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Upturn AI SWOT - About
BCBP 
BCB Bancorp Inc (BCBP)
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Upturn Advisory Summary
10/30/2025: 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 -32.14% | 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 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 136.45M USD | Price to earnings Ratio 132 | 1Y Target Price 10.17 |
Price to earnings Ratio 132 | 1Y Target Price 10.17 | ||
Volume (30-day avg) 4 | Beta 0.74 | 52 Weeks Range 7.40 - 13.32 | Updated Date 10/30/2025 |
52 Weeks Range 7.40 - 13.32 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 7.84% | Basic EPS (TTM) 0.06 |
Earnings Date
Report Date 2025-10-27 | When Before Market | Estimate 0.22 | Actual 0.22 |
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 132 | Forward PE 8.77 | Enterprise Value 246998752 | Price to Sales(TTM) 2.11 |
Enterprise Value 246998752 | Price to Sales(TTM) 2.11 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 17228000 | Shares Floating 15361518 |
Shares Outstanding 17228000 | Shares Floating 15361518 | ||
Percent Insiders 10.67 | Percent Institutions 39.85 |
Upturn AI SWOT
BCB Bancorp Inc
Company Overview
History and Background
BCB Bancorp, Inc. was founded in 2000 and is headquartered in Bayonne, New Jersey. It operates as the holding company for BCB Community Bank, providing banking products and services to businesses and individuals primarily in the New York and New Jersey metropolitan area. It has grown through acquisitions and organic expansion.
Core Business Areas
- Commercial Lending: Provides commercial real estate loans, commercial and industrial loans, and construction loans to small and medium-sized businesses.
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as residential mortgage loans and other consumer loans.
- Wealth Management: Offers wealth management and financial planning services to individuals and families.
Leadership and Structure
Thomas R. Coughlin is the President and CEO. The company has a board of directors overseeing the management team. The organizational structure is typical of a community bank, with departments for lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. BCB primarily competes with other regional and community banks in this space. Market share data is difficult to ascertain precisely due to the fragmented nature of the commercial lending market. Competitors include OceanFirst Financial Corp and Provident Financial Services.
- Description: Commercial Real Estate Loans are the largest part of the company's income.
- Description: Residential Mortgage loans make up a meaningful part of the company's income
- Residential Mortgages: Mortgage loans for purchasing or refinancing residential properties. The market is highly competitive, with larger national banks and mortgage companies like Rocket Mortgage and Wells Fargo as primary competitors. Again, precise market share is difficult to define geographically for BCB.
- Small Business Loans: Loans to small businesses for working capital, equipment, and other needs. Competitors include larger banks, credit unions, and online lenders like Kabbage. Market share is influenced by BCB's local presence and relationships.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Community banks are focusing on relationship banking and serving local markets.
Positioning
BCB Bancorp Inc. positions itself as a community bank focused on providing personalized service and supporting local businesses. Its competitive advantages include its local presence, strong customer relationships, and knowledge of the local market. They compete mostly with local banks.
Total Addressable Market (TAM)
The TAM for community banking is substantial, estimated in the hundreds of billions of dollars. BCB is positioned to capture a share of this market through its focus on serving small to medium-sized businesses and retail customers in its geographic footprint. It is a smaller player with lots of room to grow.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Strong customer relationships
- Diversified loan portfolio
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs than larger banks due to scale
- Reliance on traditional banking channels
- Sensitivity to interest rate changes
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Adoption of new technologies to improve efficiency and customer service
- Increase in demand for local banking services
- Growth in the small business sector
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- OFG Bancorp (OFG)
- Provident Financial Services, Inc. (PFS)
- Lakeland Bancorp, Inc. (LBAI)
Competitive Landscape
BCB Bancorp Inc. competes with other community banks, regional banks, and national banks. Its advantages include its local presence and strong customer relationships. Disadvantages include its limited geographic reach and higher operating costs compared to larger banks.
Major Acquisitions
InterBorough Financial Group
- Year: 2016
- Acquisition Price (USD millions): 76.8
- Strategic Rationale: Expanded BCB's presence in Staten Island and Brooklyn.
Growth Trajectory and Initiatives
Historical Growth: BCB Bancorp Inc. has grown through a combination of organic growth and acquisitions.
Future Projections: Analyst estimates for future growth can be found on financial websites.
Recent Initiatives: Recent initiatives may include branch expansions, new product launches, and technology upgrades.
Summary
BCB Bancorp Inc. is a community bank with a strong presence in the New York and New Jersey metropolitan area. It benefits from its local focus and customer relationships, but it faces competition from larger banks and fintech companies. Future growth will depend on its ability to expand its geographic reach and adopt new technologies. A strength is the diversity of its loan portfolio. Threats to keep an eye on are rising interest rates.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q), Company Website, Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share data is estimated and may not be precise. Consult with a 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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