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BCB Bancorp Inc(BCBP)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL
1-STAR RATING
PASS
LAST CLOSE
$8.72
09/18/2026
(24-hour delay)

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)
Upturn Stock price based on last close iconStock price based on last close

Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for BCBP

09/18/2026: BCBP (1-star) is currently NOT-A-BUY. Pass it for now.

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.

Price Behavior

Rolling Over
PRICE PATH

Rolling Over

The price momentum is slowing down and beginning to turn downward.

Moderately Choppy
PRICE STABILITY

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 star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

BCBP receives a 3-star rating, supported by available scored pillars. The rating is constrained by soft unit economics, and weak price momentum.

Company Fundamentals

BCBP has moderate overall fundamentals (3 stars), with soft financial health, weak growth momentum, and solid ownership. In FY2025 versus FY2024, strong cash generation (FCF margin 21.0%) is partially offset by negative earnings growth (-167.3%), negative revenue growth (-15.5%), soft profitability (net margin -7.5%).

Financial Health Rating

BCBP's financial health is supported by moderate cash strength, including free-cash-flow generation (21.0% of revenue). Profitability is soft (2 stars), which helps explain the 2-star overall score.

Growth Momentum Score

BCBP's growth profile is soft, with the least-weak measure being revenue growth at -15.5% FY2025 versus FY2024. By comparison, while earnings growth (-167.3%, negative) and free-cash-flow growth (-47.6%, negative) hold the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 27.6% and approximately 87.4% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 7.98% supports management-shareholder alignment.

Top 5 Institutional Investors

BlackRock Inc 6.80%
Dimensional Fund Advisors, Inc. 4.14%
Vanguard Capital Management, LLC 3.70%
Geode Capital Management, LLC 2.43%
AllianceBernstein L.P. 2.07%

Unit Economics (Per $1K Revenue)

BCBP generates approximately $267 of gross profit, $-110 of operating income, and $210 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 31.54%

Quantitative Style Profile

BCBP has a liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLow VolatilitySmall / Mid Cap RiskShort Squeeze RiskHighly Liquid / Institution-Friendly

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 157.85M USD
Price to earnings Ratio -
1Y Target Price 10.87
Price to earnings Ratio -
1Y Target Price 10.87
Volume (30-day avg) 244.8K shares
Beta 0.66
52 Weeks Range 7.18 - 11.71
Updated Date 09/19/2026
52 Weeks Range 7.18 - 11.71
Updated Date 09/19/2026
Dividends yield (FY) 3.68%
Basic EPS (TTM) -1.11
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Valuation

Trailing PE -
Forward PE 8.77
Enterprise Value 164.76M
Price to Sales(TTM) 2.53
Enterprise Value 164.76M
Price to Sales(TTM) 2.53
Enterprise Value to Revenue 3.35
Enterprise Value to EBITDA -
Shares Outstanding 18.10M
Shares Floating 15.81M
Shares Outstanding 18.10M
Shares Floating 15.81M
Percent Insiders 7.98
Percent Institutions 27.58

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon 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)

Information icon 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)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About BCB Bancorp Inc

Exchange NASDAQ
Headquarters Bayonne, NJ, United States
IPO Launch date 2003-10-15
President, CEO & Director Mr. Thomas More O'Brien
Sector Financial Services
Industry Banks - Regional
Full time employees 295
Full time employees 295

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.