BCB Bancorp, Inc. (NJ) (BCBP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BCB Bancorp, Inc. (NJ)

NasdaqGM•Financial Services•Banks - Regional

$8.67+0.02(<0.01%)Market closed

Market Cap

$150.91M

P/S

0.9x

P/B

0.5x

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.

How this company scores

WeakMetricSide Score: 36/100

Grade capped at D — Interest coverage below 1× (0.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (16/25); weakest: Growth (4/25).

Profitability8/25

Growth4/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality16/25

Strengths

Long cash runwayCash-backed earningsConsistent free cash flowNet cash position

Grade capped at D

Interest coverage below 1× (0.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 216.6x5y range 4.7x – 216.6x

Currently above its 18-quarter median.

P/S · 0.9x5y range 0.8x – 2.6x

Currently near its 20-quarter median.

P/B · 0.5x5y range 0.5x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 59.7% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $150.91M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $172.77M
Q. Revenue: $39.99M
TTM EBITDA: $14.80M
TTM Op. Income: $14.80M
Q. Op. Income: $743,000
TTM Net Income: $-17.64M
Q. Net Income: $-14.78M
EPS: $-0.85
Shares Out.: $17.31M

$172.77M in TTM revenue declined 9.3% YoY, reaching $39.99M last quarter. TTM EBITDA of $14.80M and TTM operating income of $14.80M show growth is flowing through to the bottom line. However, net income is negative at $17.64M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 7 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 57.2%
EBITDA Margin: 1.9%
Op. Margin: 1.9%
Net Margin: -36.9%

Op. margin of 1.9% is down 20.0% YoY — costs are rising relative to revenue. Net margin at -36.9% and gross margin of 57.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 92% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.9x
P/B Ratio: 0.5x

P/S of 0.9x and P/B of 0.5x. P/S is low relative to typical market levels. Across the last 6 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.12B
Cash: $196.89M
Long-Term Debt: N/A
Book Value: $291.92M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $9.58M
TTM Free Cash Flow: $34.22M
FCF Margin: 19.8%
FCF / Net Income: -1.9

TTM FCF of $34.22M on $9.58M in operating cash flow. The FCF / Net Income ratio of -1.9x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is down 47% — a weakening trend.