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Earnings transcript
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BCBP
BCB Bancorp, Inc.
$8.12
-0.19
(-2.29%)
| Exchange: | NASDAQ |
| Market Cap: | 140.989M |
| Shares Outstanding: | 17.21M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Thomas O’Brien | |||||
| Full Time Employees: | 295 | |||||
| Address: |
| |||||
| Website: | https://www.bcb.bank |
BCB Bancorp, Inc. functions as a bank holding entity for BCB Community Bank, delivering a comprehensive array of financial products and services to both businesses and individual clients across the United States. Its suite of deposit offerings includes savings and club accounts, interest-bearing and non-interest-bearing checking accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). The institution’s lending activities span a broad spectrum, providing financing solutions such as commercial and multi-family property loans, mortgages for one-to-four family residences, commercial enterprise loans, Small Business Administration (SBA) loans, construction financing, home equity loans and lines of credit, and various consumer loans. This also encompasses residential mortgages backed by single to quad-family homes, condominiums, and cooperative housing units. Beyond these core services, the company furnishes additional retail and commercial banking features. These comprise wire transfers, money orders, secure safe deposit box rentals, night drop facilities, debit cards, comprehensive online and mobile banking platforms, fraud monitoring services, and automated teller machine (ATM) access. As of December 31, 2021, BCB Community Bank maintained a physical presence through 29 branch locations spread across numerous towns in New Jersey, including Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge. Additionally, it operated three branches in New York, specifically in Staten Island and Hicksville. Established in 2000, the firm’s main offices are situated in Bayonne, New Jersey.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 192,448 | 196,949 | 166,437 |
| Gross Profit | 102,046 | 83,391 | 44,508 |
| EBITDA | 40,900 | 26,519 | -17,330 |
| Operating Income | 41,455 | 26,270 | -18,298 |
| Net Income | 29,483 | 18,623 | -12,527 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,832,397 | 3,599,118 | 3,279,466 |
| Total Liabilities | 3,518,342 | 3,275,193 | 2,975,182 |
| Total Stockholders Equity | 314,055 | 323,925 | 304,284 |
| Total Debt | 523,750 | 511,461 | 300,490 |
| Cash and Cash Equivalents | 279,523 | 318,017 | 13,794 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 35,158 | 67,727 | 0 |
| Capital Expenditure | -4,527 | -1,225 | 0 |
| Free Cash Flow | 30,631 | 66,502 | 0 |
| Net Income | 29,483 | 18,623 | -12,527 |
| Net Change in Cash | 50,164 | 37,759 | -317,282 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 115,543.927 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 117,203.703 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 116,374.793 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 14,144.853 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 14,392.454 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 14,268.775 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 9,364.651 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 9,539.777 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 9,452.300 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 18,729.553 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 18,998.601 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 18,864.236 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 0.550 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 0.560 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 0.540 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates BCBP intrinsic value between $7.48 – $8.51 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BCBP valuation
Is BCB Bancorp, Inc. (BCBP) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for BCB Bancorp, Inc. (BCBP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BCBP a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BCBP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BCBP’s P/E ratio?
You can see BCBP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BCBP?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BCBP a good long-term investment?
Whether BCBP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BCBP
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Daily snapshot
-2.29
Trading Metrics:
| Open: | 8.41 | Previous Close: | 8.31 | |
| Day Low: | 8.12 | Day High: | 8.45 | |
| Year Low: | 7.31 | Year High: | 11.71 | |
| Price Avg 50: | 8.6 | Price Avg 200: | 9.16 | |
| Volume: | 373396 | Average Volume: | 250028 |
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