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Upturn AI Summary - About
BCB Bancorp Inc(BCBP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BCBP
10/19/2026: BCBP (1-star) is currently NOT-A-BUY. Pass it for now.
BCB Bancorp Inc is a regional bank holding company that specializes in commercial real estate lending within the New Jersey and New York metropolitan areas. The company's main strength lies in its established local market presence and a consistent history of providing dividends, making it a potentially suitable candidate for income-focused investors. Its primary growth story revolves around localized lending and potential regional consolidation, though this is tempered by risks such as high geographic concentration and sensitivity to commercial real estate valuations. Investors should monitor the bank's ability to navigate interest rate fluctuations and maintain asset quality. The stock may be most fitting for value and dividend-oriented investors seeking stable regional exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with limited high-growth potential. |
| Momentum investor | Mixed fit | Stock performance is often tied to interest rate cycles rather than rapid growth catalysts. |
| Value investor | Strong fit | The stock often trades at valuations reflective of tangible book value and regional bank multiples. |
| Dividend investor | Strong fit | The company has a consistent history of providing reliable dividend income. |
| Low-risk investor | Mixed fit | While established, the bank is subject to sector-specific economic and regulatory risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can experience price swings based on interest rate announcements. |
| Valuation risk | Low | The stock is generally valued based on fundamental banking metrics like book value. |
| Competition risk | Medium / high | Competition from larger banks in the NY/NJ area puts pressure on loan and deposit rates. |
| Business quality | Medium | The bank maintains stable operations but lacks a unique competitive moat. |
| Dividend income | Low | Dividends are generally stable, though banking regulations can limit payouts. |
| Execution risk | Medium | The bank must execute well in its localized real estate lending market to maintain margins. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -17.37% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 249.70M USD | Price to earnings Ratio - | 1Y Target Price 8.95 |
Price to earnings Ratio - | 1Y Target Price 8.95 | ||
Volume (30-day avg) 404.1K shares | Beta 0.68 | 52 Weeks Range 7.18 - 11.71 | Updated Date 10/18/2026 |
52 Weeks Range 7.18 - 11.71 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 3.85% | Basic EPS (TTM) -1.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial real estate, residential) minus interest paid on deposits. | The bank earns money primarily by the 'spread' between interest it charges borrowers and interest it pays depositors. |
| Non-Interest Income | Service charges on deposit accounts, loan fees, and other banking services. | A smaller portion of revenue comes from fees related to daily account and banking operations. |
Valuation
Trailing PE - | Forward PE 8.77 | Enterprise Value 153.90M | Price to Sales(TTM) 4 |
Enterprise Value 153.90M | Price to Sales(TTM) 4 | ||
Enterprise Value to Revenue 3.35 | Enterprise Value to EBITDA - | Shares Outstanding 30.75M | Shares Floating 15.70M |
Shares Outstanding 30.75M | Shares Floating 15.70M | ||
Percent Insiders 8 | Percent Institutions 32.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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