BCBP · BCB BANCORP INC
BCB Bancorp, Inc. operates as the bank holding company for BCB Community Bank that provides various banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club accounts, interest and non-interest-bearing demand, money market, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multifamily real estate, one-to-four family mortgage, commercial business, construction, home equity, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository, debit cards, online and mobile banking, fraud detection, and automated teller services. BCB Bancorp, Inc. was founded in 2000 and is based in Bayonne, New Jersey.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $8.70 |
| SO | 18.1M |
| Options | 0.8M |
| Warrants | 0.0M |
| FD SO | 19.0M |
| MC | $164.9M |
| Cash | $196.9M |
| Total debt | $168.3M ⚠ |
| EV | $136.3M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 0.8x |
| EV / EBITDA | — |
| MC / Net Income | — |
| EV / FCF | 4.0x |
| MC / FCF | 4.8x |
| Ownership & coverage | |
|---|---|
| Institutional | 26.1% |
| Insiders | 7.6% |
| # Institutions | 144 |
| Analysts | 3 |
| Consensus | Hold |
| Avg target | $8.95 |
| Short % float | 5.5% |
| Days to cover | 5.00 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-08-01. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-09-23 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-08-31; the float denominator can be unreliable on tiny floats.
Debt figure uncertain — deposit-funded financial institution — debt/EV not a meaningful metric. Verify against the filing before relying on EV.
Financial statements
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Total Revenue | 39.99 | 42.50 | 44.49 | 45.79 |
| Revenue YoY % | (11.6%) | (7.6%) | (6.5%) | (11.5%) |
| Gross Profit | 26.67 | 26.50 | 28.01 | 27.76 |
| Gross Profit YoY % | (5.5%) | (4.9%) | (1.4%) | 20.4% |
| Gross Margin % | 66.7% | 62.4% | 63.0% | 60.6% |
| SG&A | 22.13 | 15.55 | 31.39 | 16.57 |
| Interest Expense | 23.34 | 22.84 | 24.22 | 23.71 |
| Pretax Income | (18.24) | 6.60 | (17.41) | 5.81 |
| Tax Provision | (3.47) | 1.70 | (5.38) | 1.54 |
| Net Income | (14.78) | 4.90 | (12.03) | 4.26 |
| Net Margin % | (36.9%) | 11.5% | (27.0%) | 9.3% |
| Diluted EPS | -$0.85 | $0.26 | -$0.73 | $0.22 |
| Basic EPS | -$0.85 | $0.26 | -$0.73 | $0.22 |
| Diluted Avg Shares | 17.3 | 17.3 | — | 17.2 |
| Basic Avg Shares | 17.3 | 17.3 | — | 17.2 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 172.77 | 181.51 | 196.95 | 192.45 | 133.04 |
| Revenue YoY % | (4.8%) | (7.8%) | 2.3% | 44.7% | — |
| Gross Profit | 108.94 | 111.84 | 115.79 | 104.06 | 113.94 |
| Gross Profit YoY % | (2.6%) | (3.4%) | 11.3% | (8.7%) | — |
| Gross Margin % | 63.1% | 61.6% | 58.8% | 54.1% | 85.6% |
| SG&A | 85.64 | 77.88 | 57.12 | 60.59 | 55.51 |
| Interest Expense | 94.12 | 93.04 | 92.02 | 84.30 | 17.50 |
| Pretax Income | (23.25) | (18.30) | 26.27 | 41.45 | 63.11 |
| Tax Provision | (5.61) | (5.77) | 7.65 | 11.97 | 17.53 |
| Net Income | (17.64) | (12.53) | 18.62 | 29.48 | 45.58 |
| Net Margin % | (10.2%) | (6.9%) | 9.5% | 15.3% | 34.3% |
| Diluted EPS | -$1.10 | -$0.84 | $0.99 | $1.70 | $2.58 |
| Basic EPS | -$1.10 | -$0.84 | $0.99 | $1.71 | $2.64 |
| Diluted Avg Shares | 17.3 | 17.2 | 17.0 | 16.9 | 17.3 |
| Basic Avg Shares | 17.3 | 17.2 | 17.0 | 16.9 | 17.0 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 196.89 | 293.74 | 276.58 | 249.61 |
| Net PPE | 11.74 | 11.91 | 12.06 | 12.14 |
| Operating Lease ROU | 10.48 | 10.89 | 10.66 | 11.26 |
| Goodwill | 0.00 | 5.20 | 5.30 | — |
| Long-term Investments | 3.85 | 9.08 | 9.17 | 9.60 |
| Other Assets | 2,895.17 | 2,938.28 | 2,965.69 | 3,070.46 |
| Total Assets | 3,118.13 | 3,269.10 | 3,279.47 | 3,353.07 |
| Current Lease Liabilities | 1.78 | 2.63 | 3.31 | 0.85 |
| Long-term Lease Liabilities | 10.13 | 9.76 | 8.84 | 11.99 |
| Other Liabilities | 2,814.30 | 2,949.32 | 2,963.03 | 3,021.77 |
| Total Liabilities | 2,826.21 | 2,961.72 | 2,975.18 | 3,034.61 |
| Retained Earnings | 103.22 | 119.41 | 116.42 | 131.67 |
| Total Equity | 291.92 | 307.38 | 304.28 | 318.45 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 196.89 | 276.58 | 317.28 | 279.52 | 229.36 |
| Net PPE | 11.74 | 12.06 | 12.57 | 13.06 | 10.51 |
| Operating Lease ROU | 10.48 | 10.66 | 12.69 | 12.94 | 13.52 |
| Goodwill | 0.00 | 5.30 | — | — | 5.20 |
| Long-term Investments | 3.85 | 9.17 | 9.47 | 9.09 | 17.69 |
| Other Assets | 2,895.17 | 2,965.69 | 3,247.11 | 3,517.79 | 3,269.92 |
| Total Assets | 3,118.13 | 3,279.47 | 3,599.12 | 3,832.40 | 3,546.19 |
| Current Lease Liabilities | 1.78 | 3.31 | 3.19 | 3.09 | 3.06 |
| Long-term Lease Liabilities | 10.13 | 8.84 | 11.30 | 11.53 | 12.22 |
| Other Liabilities | 2,814.30 | 2,963.03 | 3,260.70 | 3,503.72 | 3,239.66 |
| Total Liabilities | 2,826.21 | 2,975.18 | 3,275.19 | 3,518.34 | 3,254.94 |
| Retained Earnings | 103.22 | 116.42 | 141.85 | 135.93 | 115.11 |
| Total Equity | 291.92 | 304.28 | 323.93 | 314.06 | 291.25 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Net Income | (14.78) | 4.90 | (12.03) | 4.26 |
| Stock-Based Comp | 0.33 | 0.15 | 0.24 | 0.23 |
| Δ Working Cap & Other | 24.03 | 0.12 | 23.64 | 4.24 |
| Operating Cash Flow | 9.58 | 5.17 | 11.84 | 8.73 |
| CapEx | (0.24) | (0.27) | (0.32) | (0.28) |
| Other Investing | 31.38 | 25.00 | 77.94 | 66.37 |
| Investing Cash Flow | 31.14 | 24.73 | 77.62 | 66.09 |
| Stock Issuance | 0.20 | 0.25 | 0.25 | 0.20 |
| Dividends Paid | (1.36) | (1.38) | (2.64) | (2.63) |
| Other Financing | (136.41) | (11.63) | (60.10) | (29.63) |
| Financing Cash Flow | (137.57) | (12.75) | (62.49) | (32.06) |
| Free Cash Flow | 9.34 | 4.91 | 11.52 | 8.46 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | (17.64) | (12.53) | 18.62 | 29.48 | 45.58 |
| Stock-Based Comp | 0.94 | 1.02 | 0.77 | 0.59 | 1.13 |
| Δ Working Cap & Other | 52.03 | 47.43 | 48.34 | 5.08 | (5.82) |
| Operating Cash Flow | 35.33 | 35.92 | 67.73 | 35.16 | 40.89 |
| CapEx | (1.10) | (1.05) | (1.23) | (4.53) | (0.52) |
| Other Investing | 200.69 | 233.43 | 224.00 | (228.79) | (760.98) |
| Investing Cash Flow | 199.58 | 232.38 | 222.77 | (233.32) | (761.50) |
| Stock Issuance | 0.90 | 1.12 | 0.82 | 1.35 | 0.42 |
| Stock Buyback | — | — | — | (3.82) | (3.41) |
| Dividends Paid | (8.02) | (10.62) | (10.44) | (10.44) | (10.38) |
| Other Financing | (237.76) | (299.49) | (243.12) | 261.23 | 551.71 |
| Financing Cash Flow | (244.87) | (309.00) | (252.74) | 248.33 | 538.34 |
| Free Cash Flow | 34.22 | 34.87 | 66.50 | 30.63 | 40.37 |
| 6/30/26 | 3/31/26 | 12/31/25 | 9/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | — | — | — | — |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | (5.1%) | 1.6% | (4.0%) | 1.3% |
| ROA % | (0.5%) | 0.2% | (0.4%) | 0.1% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | (6.0%) | (4.1%) | 5.7% | 9.4% | 15.6% |
| ROA % | (0.6%) | (0.4%) | 0.5% | 0.8% | 1.3% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-09-22 | OBrien Thomas M | Director, Officer (CHIEF EXECUTIVE OFFICER) | 2026-09-18 | P | 160,000 | $7.75 | $1,240,000 |
| 2026-09-22 | Chaudhry Jawad | Officer (CHIEF FINANCIAL OFFICER) | 2026-09-18 | P | 10,000 | $7.75 | $77,500 |
| 2026-06-18 | Blake Ryan | Director, Officer (CHIEF OPERATING OFFICER) | 2026-06-03 | I | (5,841) | $11.11 | -$64,894 |
| 2026-06-05 | Werdann Gerald | Director | 2026-06-04 | P | 4,400 | $11.28 | $49,632 |
| 2026-04-24 | Werdann Gerald | Director | 2026-04-22 | A | 4,226 | $9.86 | $41,668 |
| 2026-03-02 | HOGAN MARK D | Director | 2026-02-27 | P | 5,000 | $7.97 | $39,850 |
| 2026-02-12 | DiDomenico Vincent Jr | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | BIELAN JUDITH Q | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | Rizzo James G. | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | LYGA JOSEPH | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | Pulomena John | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | HOGAN MARK D | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | French Tara L | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | Widmer Michael J | Director | 2026-02-10 | A | 5,952 | — | $0 |
| 2026-02-12 | Widmer Michael J | Director | 2026-02-10 | P | 2,000 | $8.40 | $16,800 |
| 2025-10-17 | Sievewright Sandra | Officer (Chief Compliance Officer) | 2025-02-24 | A | 7,185 | — | $0 |
| 2025-08-01 | Chaudhry Jawad | Officer (Chief Financial Officer) | 2025-02-24 | M | 15,267 | — | $0 |
| 2025-08-01 | SHRINER MICHAEL A | Director, Officer (Chief Executive Officer) | 2025-02-24 | M | 26,942 | — | $0 |
| 2025-08-01 | Blake Ryan | Director, Officer (Chief Operating Officer) | 2025-02-24 | M | 14,369 | — | $0 |
| 2025-06-16 | HOGAN MARK D | Director | 2025-06-13 | P | 10,000 | $7.74 | $77,441 |
| 2025-06-16 | LYGA JOSEPH | Director | 2025-06-13 | P | 280 | $7.70 | $2,156 |
| 2025-06-16 | LYGA JOSEPH | Director | 2025-06-13 | P | 100 | $7.70 | $770 |
| 2025-06-16 | Rizzo James G. | Director | 2025-06-13 | P | 2,000 | $7.70 | $15,400 |
| 2025-05-27 | Rizzo James G. | Director | 2025-05-27 | P | 1,500 | $8.05 | $12,075 |
| 2025-05-27 | Rizzo James G. | Director | 2025-05-27 | P | 1,500 | $8.05 | $12,075 |
| 2025-05-27 | HOGAN MARK D | Director | 2025-05-23 | P | 10,000 | $8.04 | $80,380 |
| 2025-02-05 | Rizzo James G. | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-05 | BIELAN JUDITH Q | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-05 | COUGHLIN THOMAS MICHAEL | Director | 2025-02-03 | A | 1,563 | — | $0 |
| 2025-02-05 | Widmer Michael J | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-05 | VANARIA RAYMOND | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | French Tara L | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | HOGAN MARK D | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | Pulomena John | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | LYGA JOSEPH | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | Rizzo James G. | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | BIELAN JUDITH Q | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2025-02-04 | DiDomenico Vincent Jr | Director | 2025-02-03 | A | 4,690 | — | $0 |
| 2024-12-05 | Blake Ryan | Director, Officer (Chief Operating Officer) | 2024-12-03 | S | (8,677) | $13.06 | -$113,322 |