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BCBP
Upturn stock ratingUpturn stock rating

BCB Bancorp Inc (BCBP)

Upturn stock ratingUpturn stock rating
$8.43
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: BCBP (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $10.19

1 Year Target Price $10.19

Analysts Price Target For last 52 week
$10.19Target price
Low$7.54
Current$8.43
high$13.57

Analysis of Past Performance

Type Stock
Historic Profit -18.32%
Avg. Invested days 34
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 144.68M USD
Price to earnings Ratio 52.69
1Y Target Price 10.19
Price to earnings Ratio 52.69
1Y Target Price 10.19
Volume (30-day avg) 4
Beta 0.66
52 Weeks Range 7.54 - 13.57
Updated Date 06/30/2025
52 Weeks Range 7.54 - 13.57
Updated Date 06/30/2025
Dividends yield (FY) 7.61%
Basic EPS (TTM) 0.16

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 7.02%
Operating Margin (TTM) -372.76%

Management Effectiveness

Return on Assets (TTM) 0.12%
Return on Equity (TTM) 1.4%

Valuation

Trailing PE 52.69
Forward PE 8.77
Enterprise Value 378048960
Price to Sales(TTM) 2.29
Enterprise Value 378048960
Price to Sales(TTM) 2.29
Enterprise Value to Revenue 6.48
Enterprise Value to EBITDA -
Shares Outstanding 17162600
Shares Floating 15299795
Shares Outstanding 17162600
Shares Floating 15299795
Percent Insiders 10.71
Percent Institutions 38.74

Analyst Ratings

Rating 2
Target Price 10.19
Buy -
Strong Buy 1
Buy -
Strong Buy 1
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

BCB Bancorp Inc

stock logo

Company Overview

overview logo History and Background

BCB Bancorp, Inc. was founded in 2000. It operates as the holding company for BCB Community Bank, providing banking services to individuals and businesses primarily in the New York and New Jersey metropolitan area. It has grown through organic expansion and acquisitions.

business area logo Core Business Areas

  • Commercial Lending: Offers commercial real estate loans, commercial and industrial loans, and construction loans.
  • Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts, as well as consumer loans and residential mortgages.
  • Wealth Management: Offers wealth management services, including investment management and financial planning.

leadership logo Leadership and Structure

Thomas Coughlin serves as the President and CEO. The bank has a board of directors overseeing its operations and strategic direction. It operates with a community banking model.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: A significant portion of BCB's lending portfolio. Market share data is not publicly available in specific numbers. Competitors include larger regional and national banks offering similar products. Competitors include NYCB, M&T Bank, and Valley National Bancorp.
  • Small Business Loans: Provides loans to small businesses. Market share data is not available in specific numbers. Competitors include other community banks and online lenders. Competitors include Customers Bancorp and Provident Financial Services.
  • Residential Mortgages: Offers mortgage products. Specific market share data is not publicly available. Competitors include national mortgage lenders and other regional banks. Competitors include JPMorgan Chase and Wells Fargo.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing increased competition, regulatory scrutiny, and evolving customer expectations driven by technological advancements. Interest rate fluctuations and economic conditions significantly impact profitability.

Positioning

BCB Bancorp Inc. is positioned as a community bank focused on serving the needs of small to medium-sized businesses and individuals in its local markets. It aims to provide personalized service and build long-term relationships.

Total Addressable Market (TAM)

The TAM is the aggregate of all regional banks and credit unions in the NY/NJ metro area. BCB is positioned to service local businesses and individual consumers, competing against the larger national banks. The total market value of the TAM is expected to grow along with the growth of the local businesses and population.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • Solid asset quality
  • Relationship-focused banking model

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger banks
  • Dependence on local economy
  • Higher cost of deposits compared to larger banks

Opportunities

  • Expanding into new markets within the region
  • Increasing fee income through wealth management services
  • Leveraging technology to improve efficiency
  • Acquiring smaller banks

Threats

  • Increased competition from larger banks and online lenders
  • Rising interest rates
  • Economic downturn in the region
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • NYCB
  • MTB
  • VALE

Competitive Landscape

BCB Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantages include its local market knowledge and personalized service. Disadvantages are its smaller scale and limited geographic diversification.

Major Acquisitions

Allegiance Community Bancorp

  • Year: 2021
  • Acquisition Price (USD millions): 63.4
  • Strategic Rationale: Expanded BCB's presence in Monmouth County, New Jersey and provided access to a new customer base.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been steady, driven by organic expansion and strategic acquisitions. The company has focused on building its commercial lending and retail banking businesses.

Future Projections: Future growth is expected to be driven by further expansion into new markets, increasing fee income, and leveraging technology. Analyst estimates depend on real time data feeds for accurate reporting.

Recent Initiatives: Recent initiatives include investments in technology to improve customer service and efficiency, as well as efforts to expand the company's wealth management business.

Summary

BCB Bancorp Inc. is a solid community bank with a strong presence in the NY/NJ metropolitan area. Its focus on commercial lending and relationship banking has fueled consistent growth. Increased competition from larger institutions and economic fluctuations are potential concerns. Strategic acquisitions and technological investments will be key to future success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Analyst estimates

Disclaimers:

This analysis is for informational purposes only and should not be considered investment advice. Market share estimates are based on available data and may not be exact. Future performance is subject to various risks and uncertainties.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About BCB Bancorp Inc

Exchange NASDAQ
Headquaters Bayonne, NJ, United States
IPO Launch date 2003-10-15
President, CEO & Director Mr. Michael A. Shriner
Sector Financial Services
Industry Banks - Regional
Full time employees 264
Full time employees 264

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, interest and non-interest-bearing demand, money market, and individual retirement accounts, as well as certificates of deposit. It also provides various loan products, such as commercial and multi-family 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.