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BCBP 
BCB Bancorp Inc (BCBP)
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Upturn Advisory Summary
12/04/2025: BCBP (1-star) is currently NOT-A-BUY. Pass it for now.
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 $10.17
1 Year Target Price $10.17
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.26% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 142.13M USD | Price to earnings Ratio 137.5 | 1Y Target Price 10.17 |
Price to earnings Ratio 137.5 | 1Y Target Price 10.17 | ||
Volume (30-day avg) 4 | Beta 0.75 | 52 Weeks Range 7.25 - 12.25 | Updated Date 12/4/2025 |
52 Weeks Range 7.25 - 12.25 | Updated Date 12/4/2025 | ||
Dividends yield (FY) 7.99% | Basic EPS (TTM) 0.06 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.3% | Operating Margin (TTM) 30.35% |
Management Effectiveness
Return on Assets (TTM) 0.08% | Return on Equity (TTM) 0.86% |
Valuation
Trailing PE 137.5 | Forward PE 8.77 | Enterprise Value 252685696 | Price to Sales(TTM) 2.2 |
Enterprise Value 252685696 | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 17228206 | Shares Floating 15365320 |
Shares Outstanding 17228206 | Shares Floating 15365320 | ||
Percent Insiders 10.67 | Percent Institutions 39.64 |
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 through organic expansion and acquisitions, focusing on serving small to medium-sized businesses and individuals in the New Jersey and New York metropolitan area.
Core Business Areas
- Commercial Lending: Provides commercial real estate loans, construction loans, and commercial and industrial loans to businesses.
- Retail Banking: Offers a range of deposit products, including checking accounts, savings accounts, and certificates of deposit, as well as residential mortgage loans and consumer loans.
- Wealth Management: Offers investment advisory services.
Leadership and Structure
Thomas Coughlin is the President and CEO. The organizational structure consists of executive management overseeing various departments, including lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses investing in real estate. Limited direct market share data available. Competitors include regional banks and credit unions.
- Small Business Loans: Loans designed to meet the needs of small businesses. Market share data is not readily available. Competitors include other community banks, online lenders and larger banks.
- Checking and Savings Accounts: Deposit accounts for individuals and businesses. Market share data for specific products is difficult to obtain. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are focusing on personalized service and local relationships to differentiate themselves.
Positioning
BCB Bancorp is positioned as a community-focused bank, emphasizing relationships with local businesses and individuals. Its competitive advantage lies in its personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for community banking services in the New Jersey/New York metro area is substantial, encompassing small business lending, commercial real estate, and retail banking. BCB Bancorp is positioned to capture a share of this market through its localized approach and customer-centric services.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Lower brand recognition than national banks
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets within the New Jersey/New York metro area
- Increased demand for small business lending
- Adoption of digital banking technologies
- Acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- NYCB
- TCBI
- CUBI
Competitive Landscape
BCB Bancorp competes with larger regional and national banks, as well as other community banks and credit unions. Its advantages include its local market knowledge and personalized service. Disadvantages stem from its smaller scale and limited brand recognition compared to larger competitors. Market share data is fragmented due to the fragmented nature of the overall banking sector.
Major Acquisitions
Allegiance Community Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 64.6
- Strategic Rationale: Expanded BCB Bancorp's presence in New Jersey and added to its deposit base.
Growth Trajectory and Initiatives
Historical Growth: BCB Bancorp has grown steadily through organic expansion and strategic acquisitions. Please refer to financial reports and investor presentations for details.
Future Projections: Analyst estimates for future growth are available from financial news sources and investment research platforms.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets.
Summary
BCB Bancorp is a community-focused bank with a strong presence in the New Jersey/New York metro area. It benefits from its local market knowledge and personalized service, but faces challenges from larger competitors and evolving industry dynamics. Strategic acquisitions and investments in technology are helping it to grow and adapt. Rising interest rates and potential economic downturns present risks. The company's strong asset quality and focus on relationship banking provides a solid foundation for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Company investor relations website
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source.
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 | CEO - | ||
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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