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Upturn AI SWOT - About
BCBP 
BCB Bancorp Inc (BCBP)
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Upturn Advisory Summary
08/28/2025: 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 -28.95% | Avg. Invested days 29 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 152.86M USD | Price to earnings Ratio 44.45 | 1Y Target Price 10.06 |
Price to earnings Ratio 44.45 | 1Y Target Price 10.06 | ||
Volume (30-day avg) 4 | Beta 0.72 | 52 Weeks Range 7.40 - 13.32 | Updated Date 08/28/2025 |
52 Weeks Range 7.40 - 13.32 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 7.05% | 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 44.45 | Forward PE 8.77 | Enterprise Value 361714304 | Price to Sales(TTM) 2.33 |
Enterprise Value 361714304 | Price to Sales(TTM) 2.33 | ||
Enterprise Value to Revenue 5.54 | 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. was founded in 2000 as Bayonne Community Bank. It operates as a bank holding company for BCB Community Bank. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of financial products and services to individuals, small businesses, and middle-market companies, including deposit accounts, loans, and other related services.
Leadership and Structure
The leadership team includes Thomas R. Coughlin (President & CEO), and other key executives. The organizational structure follows a traditional banking hierarchy.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available; competition includes regional and national banks, credit unions, and private lenders.
- Small Business Loans: Offers loans to small businesses. Market share data is not readily available; competition includes regional and national banks, credit unions, and online lenders.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data is not readily available; competition includes regional and national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. The industry is also experiencing consolidation.
Positioning
BCB Bancorp Inc. is a community-focused bank that aims to provide personalized service and tailored financial solutions. Its competitive advantages include its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for community banking is significant, consisting of individuals and businesses seeking localized banking services. BCB is well-positioned to capture a share of this market through its community focus. The TAM is estimated to be in the trillions USD, distributed among thousands of banks.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on customer service
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller size compared to larger banks
- Dependence on local economy
- Higher cost structure than some larger competitors.
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Technological innovation to improve efficiency
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from larger banks and fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- FCNCA
- NWBI
- TFSL
Competitive Landscape
BCB Bancorp Inc. competes with other community banks, regional banks, and larger national banks. Its advantage lies in its personalized service and local market knowledge. Disadvantages compared to larger competitors is limited geographic reach and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: BCB Bancorp's historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in existing and new markets. Analyst estimates unavailable without accessing professional sources.
Recent Initiatives: Recent initiatives are typically focused on expanding their branch network and enhancing their digital banking capabilities.
Summary
BCB Bancorp is a community-focused bank with a solid local presence. It benefits from an experienced management team and a focus on customer service. However, it faces challenges related to its limited geographic reach and competition from larger banks and fintech companies. Strategic acquisitions and investments in technology could bolster its growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. The data provided is for informational purposes only and should not be considered financial advice. Market share data may be estimated based on available information.
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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