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Upturn AI SWOT - About
BCBP 
BCB Bancorp Inc (BCBP)
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Upturn Advisory Summary
09/16/2025: BCBP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $10.06
1 Year Target Price $10.06
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.94% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 148.39M USD | Price to earnings Ratio 42.8 | 1Y Target Price 10.06 |
Price to earnings Ratio 42.8 | 1Y Target Price 10.06 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 7.40 - 13.32 | Updated Date 09/16/2025 |
52 Weeks Range 7.40 - 13.32 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 7.42% | Basic EPS (TTM) 0.2 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.91% | Operating Margin (TTM) 28.7% |
Management Effectiveness
Return on Assets (TTM) 0.14% | Return on Equity (TTM) 1.63% |
Valuation
Trailing PE 42.8 | Forward PE 8.77 | Enterprise Value 356040192 | Price to Sales(TTM) 2.27 |
Enterprise Value 356040192 | Price to Sales(TTM) 2.27 | ||
Enterprise Value to Revenue 5.49 | Enterprise Value to EBITDA - | Shares Outstanding 17194300 | Shares Floating 15331469 |
Shares Outstanding 17194300 | Shares Floating 15331469 | ||
Percent Insiders 10.7 | Percent Institutions 40 |
Upturn AI SWOT
BCB Bancorp Inc
Company Overview
History and Background
BCB Bancorp, Inc., founded in 2000, is the holding company for BCB Community Bank. It has grown organically and through acquisitions to serve communities in the New York and New Jersey metropolitan area.
Core Business Areas
- Commercial Lending: Provides loans to businesses for various purposes, including real estate, equipment, and working capital.
- Retail Banking: Offers deposit accounts, consumer loans, and other banking services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and businesses.
Leadership and Structure
Thomas Coughlin is the President and Chief Executive Officer. The company has a board of directors responsible for overseeing the bank's strategy and performance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating a significant portion of the bank's revenue. Market share data not publicly available. Competitors include larger regional and national banks such as Valley National Bancorp (VLY), and M&T Bank (MTB).
- Small Business Loans (SBA): Government-guaranteed loans to small businesses. Market share data not publicly available. Competitors include Customers Bancorp (CUBI) and NewtekOne (NEWT).
- Checking and Savings Accounts: Various deposit products for consumers and businesses. Market share data not publicly available. Competitors are numerous and include Chase, Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape.
Positioning
BCB Bancorp Inc is a community bank focused on serving the New York and New Jersey metropolitan area. It differentiates itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the NY/NJ metro area is estimated at hundreds of billions of dollars. BCB is a small player positioned to capture a small percentage focused on community banking.
Upturn SWOT Analysis
Strengths
- Strong presence in the NY/NJ metropolitan area
- Experienced management team
- Focus on community banking
- Relationship-based lending approach
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on commercial real estate lending
- Higher cost of funds compared to larger competitors
Opportunities
- Expanding into new markets within the NY/NJ area
- Increasing adoption of digital banking services
- Growing demand for small business loans
- Acquiring smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- VLY
- MTB
- CUBI
- NEWT
Competitive Landscape
BCB Bancorp Inc faces intense competition from larger regional and national banks. Its competitive advantage lies in its community focus, relationship-based lending, and local expertise.
Major Acquisitions
InterBorough Financial Group
- Year: 2015
- Acquisition Price (USD millions): 27
- Strategic Rationale: Expanded BCB's presence in Staten Island and provided access to new customers.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not provided in this example and should be gathered from official financial statements.
Future Projections: Future projections are not provided in this example and should be gathered from official financial statements.
Recent Initiatives: Recent strategic initiatives are not provided in this example and should be gathered from company communications or news releases.
Summary
BCB Bancorp Inc. is a community bank with a solid presence in the competitive NY/NJ metro area. It has a relationship-based business model, which could make the bank resilient. Rising interest rates and strong competition could pose a risk. The company has made some strategic acquisitions that have helped expand the banks presence in new communities. Maintaining a community focus and prudent risk management will be important for long term growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- MarketWatch
- Yahoo Finance
- FDIC
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.bcb.bank |
Full time employees 264 | Website https://www.bcb.bank | ||
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.
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