BCB Bancorp, Inc. Logo

BCB Bancorp, Inc.

BCBP

(2.2)
Stock Price

12,90 USD

0.93% ROA

9.71% ROE

6x PER

Market Cap.

213.295.680,00 USD

226.24% DER

5.06% Yield

22.01% NPM

BCB Bancorp, Inc. Stock Analysis

BCB Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

BCB Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.65x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (11.91%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.93%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (43) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (226%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

BCB Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

BCB Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

BCB Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

BCB Bancorp, Inc. Revenue
Year Revenue Growth
2000 4.000
2001 534.000 99.25%
2002 6.295.956 91.52%
2003 10.280.077 38.76%
2004 14.378.000 28.5%
2005 16.798.000 14.41%
2006 19.044.000 11.79%
2007 17.665.000 -7.81%
2008 20.821.000 15.16%
2009 20.315.000 -2.49%
2010 40.294.000 49.58%
2011 41.532.000 2.98%
2012 34.475.000 -20.47%
2013 50.154.000 31.26%
2014 53.846.000 6.86%
2015 60.576.000 11.11%
2016 61.183.000 0.99%
2017 69.367.000 11.8%
2018 85.641.000 19%
2019 87.995.000 2.68%
2020 88.522.000 0.6%
2021 105.717.000 16.27%
2022 115.540.000 8.5%
2023 108.344.000 -6.64%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

BCB Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

BCB Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 1.551.741 100%
2003 2.812.962 44.84%
2004 3.976.000 29.25%
2005 4.428.000 10.21%
2006 5.210.000 15.01%
2007 5.699.000 8.58%
2008 5.492.000 -3.77%
2009 5.798.000 5.28%
2010 11.338.000 48.86%
2011 13.861.000 18.2%
2012 16.917.000 18.06%
2013 17.459.000 3.1%
2014 22.014.000 20.69%
2015 24.814.000 11.28%
2016 30.114.000 17.6%
2017 28.271.000 -6.52%
2018 33.152.000 14.72%
2019 33.938.000 2.32%
2020 32.620.000 -4.04%
2021 34.787.000 6.23%
2022 35.307.000 1.47%
2023 31.192.000 -13.19%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

BCB Bancorp, Inc. EBITDA
Year EBITDA Growth
2000 -169.000
2001 -276.000 38.77%
2002 2.323.899 111.88%
2003 3.925.121 40.79%
2004 6.000.000 34.58%
2005 7.278.000 17.56%
2006 8.472.000 14.09%
2007 6.677.000 -26.88%
2008 5.009.000 -33.3%
2009 7.099.000 29.44%
2010 18.350.000 61.31%
2011 11.785.000 -55.71%
2012 -1.718.000 785.97%
2013 17.960.000 109.57%
2014 13.330.000 -34.73%
2015 13.542.000 1.57%
2016 13.878.000 2.42%
2017 21.277.000 34.77%
2018 51.486.000 58.67%
2019 30.191.000 -70.53%
2020 29.865.000 -1.09%
2021 50.480.000 40.84%
2022 81.245.000 37.87%
2023 37.672.000 -115.66%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

BCB Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2000 4.000
2001 534.000 99.25%
2002 6.295.956 91.52%
2003 10.280.077 38.76%
2004 14.378.000 28.5%
2005 16.798.000 14.41%
2006 19.044.000 11.79%
2007 17.665.000 -7.81%
2008 20.821.000 15.16%
2009 20.315.000 -2.49%
2010 40.294.000 49.58%
2011 41.532.000 2.98%
2012 34.475.000 -20.47%
2013 50.154.000 31.26%
2014 53.846.000 6.86%
2015 60.576.000 11.11%
2016 61.183.000 0.99%
2017 69.367.000 11.8%
2018 85.641.000 19%
2019 87.995.000 2.68%
2020 88.522.000 0.6%
2021 105.717.000 16.27%
2022 115.540.000 8.5%
2023 108.344.000 -6.64%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

BCB Bancorp, Inc. Net Profit
Year Net Profit Growth
2000 -169.000
2001 -276.000 38.77%
2002 1.309.090 121.08%
2003 2.395.413 45.35%
2004 3.619.000 33.81%
2005 4.729.000 23.47%
2006 5.567.000 15.05%
2007 4.438.000 -25.44%
2008 3.472.000 -27.82%
2009 3.748.000 7.36%
2010 14.326.000 73.84%
2011 6.051.000 -136.75%
2012 -2.062.000 393.45%
2013 9.416.000 121.9%
2014 7.590.000 -24.06%
2015 7.030.000 -7.97%
2016 8.003.000 12.16%
2017 9.982.000 19.83%
2018 16.763.000 40.45%
2019 21.034.000 20.31%
2020 20.857.000 -0.85%
2021 34.240.000 39.09%
2022 45.579.000 24.88%
2023 26.844.000 -69.79%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

BCB Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 2 100%
2011 1 0%
2012 0 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 0%
2022 3 50%
2023 2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

BCB Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2002 825.796
2003 -939.411 187.91%
2004 3.348.000 128.06%
2005 1.336.000 -150.6%
2006 5.533.000 75.85%
2007 4.721.000 -17.2%
2008 5.787.000 18.42%
2009 -85.000 6908.24%
2010 -3.095.000 97.25%
2011 11.989.000 125.82%
2012 11.305.000 -6.05%
2013 14.387.000 21.42%
2014 2.748.000 -423.54%
2015 4.108.000 33.11%
2016 1.164.000 -252.92%
2017 19.126.000 93.91%
2018 38.461.000 50.27%
2019 21.754.000 -76.8%
2020 137.957.000 84.23%
2021 45.568.000 -202.75%
2022 40.371.000 -12.87%
2023 9.650.000 -318.35%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

BCB Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 2.106.984
2003 2.285.860 7.83%
2004 3.665.000 37.63%
2005 1.527.000 -140.01%
2006 6.242.000 75.54%
2007 5.159.000 -20.99%
2008 5.886.000 12.35%
2009 10.000 -58760%
2010 -2.391.000 100.42%
2011 14.235.000 116.8%
2012 12.440.000 -14.43%
2013 16.038.000 22.43%
2014 4.496.000 -256.72%
2015 7.689.000 41.53%
2016 7.241.000 -6.19%
2017 21.034.000 65.57%
2018 40.028.000 47.45%
2019 24.267.000 -64.95%
2020 139.345.000 82.58%
2021 45.893.000 -203.63%
2022 40.889.000 -12.24%
2023 9.968.000 -310.2%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

BCB Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 1.281.188
2003 3.225.271 60.28%
2004 317.000 -917.44%
2005 191.000 -65.97%
2006 709.000 73.06%
2007 438.000 -61.87%
2008 99.000 -342.42%
2009 95.000 -4.21%
2010 704.000 86.51%
2011 2.246.000 68.66%
2012 1.135.000 -97.89%
2013 1.651.000 31.25%
2014 1.748.000 5.55%
2015 3.581.000 51.19%
2016 6.077.000 41.07%
2017 1.908.000 -218.5%
2018 1.567.000 -21.76%
2019 2.513.000 37.64%
2020 1.388.000 -81.05%
2021 325.000 -327.08%
2022 518.000 37.26%
2023 318.000 -62.89%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

BCB Bancorp, Inc. Equity
Year Equity Growth
2000 7.204.000
2001 11.303.000 36.26%
2002 18.771.621 39.79%
2003 21.167.034 11.32%
2004 26.036.000 18.7%
2005 47.847.000 45.58%
2006 51.963.000 7.92%
2007 48.510.000 -7.12%
2008 49.715.000 2.42%
2009 51.391.000 3.26%
2010 98.974.000 48.08%
2011 100.048.000 1.07%
2012 91.581.000 -9.25%
2013 100.060.000 8.47%
2014 102.252.000 2.14%
2015 133.544.000 23.43%
2016 131.081.000 -1.88%
2017 176.454.000 25.71%
2018 200.215.000 11.87%
2019 239.473.000 16.39%
2020 249.211.000 3.91%
2021 274.024.000 9.06%
2022 291.254.000 5.92%
2023 303.636.000 4.08%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

BCB Bancorp, Inc. Assets
Year Assets Growth
2000 29.536.000
2001 113.224.000 73.91%
2002 183.107.705 38.17%
2003 300.676.248 39.1%
2004 378.289.000 20.52%
2005 466.242.000 18.86%
2006 510.835.000 8.73%
2007 563.477.000 9.34%
2008 578.624.000 2.62%
2009 631.503.000 8.37%
2010 1.106.888.000 42.95%
2011 1.216.908.000 9.04%
2012 1.171.358.000 -3.89%
2013 1.207.959.000 3.03%
2014 1.301.900.000 7.22%
2015 1.618.406.000 19.56%
2016 1.708.208.000 5.26%
2017 1.942.837.000 12.08%
2018 2.674.731.000 27.36%
2019 2.907.468.000 8%
2020 2.823.655.000 -2.97%
2021 2.967.528.000 4.85%
2022 3.546.193.000 16.32%
2023 3.812.120.000 6.98%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

BCB Bancorp, Inc. Liabilities
Year Liabilities Growth
2000 22.332.000
2001 101.921.000 78.09%
2002 164.336.084 37.98%
2003 279.509.214 41.21%
2004 352.253.000 20.65%
2005 418.395.000 15.81%
2006 458.872.000 8.82%
2007 514.967.000 10.89%
2008 528.909.000 2.64%
2009 580.112.000 8.83%
2010 1.007.914.000 42.44%
2011 1.116.860.000 9.75%
2012 1.079.777.000 -3.43%
2013 1.107.899.000 2.54%
2014 1.199.648.000 7.65%
2015 1.484.862.000 19.21%
2016 1.577.127.000 5.85%
2017 1.766.383.000 10.71%
2018 2.474.516.000 28.62%
2019 295.990.000 -736.01%
2020 246.066.000 -20.29%
2021 121.738.000 -102.13%
2022 3.254.939.000 96.26%
2023 673.616.000 -383.2%

BCB Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.67
Net Income per Share
2.11
Price to Earning Ratio
6x
Price To Sales Ratio
1.9x
POCF Ratio
5
PFCF Ratio
5.61
Price to Book Ratio
0.7
EV to Sales
5.65
EV Over EBITDA
8.81
EV to Operating CashFlow
14.88
EV to FreeCashFlow
16.7
Earnings Yield
0.17
FreeCashFlow Yield
0.18
Market Cap
0,21 Bil.
Enterprise Value
0,63 Bil.
Graham Number
29.26
Graham NetNet
-19.17

Income Statement Metrics

Net Income per Share
2.11
Income Quality
1.2
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.08
Net Income per EBT
0.71
EBT Per Ebit
0.44
Ebit per Revenue
0.71
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.3
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.71
Pretax Profit Margin
0.31
Net Profit Margin
0.22

Dividends

Dividend Yield
0.05
Dividend Yield %
5.06
Payout Ratio
0.31
Dividend Per Share
0.64

Operating Metrics

Operating Cashflow per Share
2.53
Free CashFlow per Share
2.26
Capex to Operating CashFlow
-0.11
Capex to Revenue
-0.04
Capex to Depreciation
-13.47
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
52.6
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
6.94
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.28

Balance Sheet

Cash per Share
20,13
Book Value per Share
18,04
Tangible Book Value per Share
186.48
Shareholders Equity per Share
18.04
Interest Debt per Share
44.81
Debt to Equity
2.26
Debt to Assets
0.18
Net Debt to EBITDA
5.85
Current Ratio
26.66
Tangible Asset Value
3,13 Bil.
Net Current Asset Value
-0,32 Bil.
Invested Capital
2.26
Working Capital
0,34 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.22

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

BCB Bancorp, Inc. Dividends
Year Dividends Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

BCB Bancorp, Inc. Profile

About BCB Bancorp, Inc.

BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that provides banking products and services to businesses and individuals in the United States. The company offers deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides loans, such as commercial and multi-family real estate, one-to-four family mortgage, commercial business, small business administration, construction, home equity and lines of credit, and consumer loans, as well as residential loans secured by one-to-four family dwellings, condominiums, and cooperative units. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, fraud detection services, and automated teller services. As of December 31, 2021, it operated 29 branch offices in Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, as well as three branches in Staten Island and Hicksville, New York. The company was founded in 2000 and is headquartered in Bayonne, New Jersey.

CEO
Mr. Jawad Chaudhry C.F.A.
Employee
266
Address
104-110 Avenue C
Bayonne, 07002

BCB Bancorp, Inc. Executives & BODs

BCB Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Jawad Chaudhry C.F.A.
Executive Vice President & Chief Financial Officer
70

BCB Bancorp, Inc. Competitors