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1. Company Snapshot

1.a. Company Description

BCB Bancorp, Inc.operates as a bank holding company for BCB Community Bank that provides banking products and services to businesses and individuals in the United States.The company offers deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts.


It also provides loans, such as commercial and multi-family real estate, one-to-four family mortgage, commercial business, small business administration, construction, home equity and lines of credit, and consumer loans, as well as residential loans secured by one-to-four family dwellings, condominiums, and cooperative units.In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, fraud detection services, and automated teller services.As of December 31, 2021, it operated 29 branch offices in Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, as well as three branches in Staten Island and Hicksville, New York.


The company was founded in 2000 and is headquartered in Bayonne, New Jersey.

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1.b. Last Insights on BCBP

BCB Bancorp's recent performance was driven by a strong Q2 earnings report, with a return to profitability and EPS of $0.18, beating analyst estimates. The company's commercial and multi-family real estate lending focus contributed to the positive results. Additionally, the promotion of Daniel A. Araujo to Senior Vice President and Chief Lending Officer reflects the company's commitment to organizational excellence. The earnings report also showed a year-over-year increase in EPS, with a growth of 29%. According to Zacks, the company's earnings met estimates, with a quarterly earnings per share of $0.18.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Pick These 5 Bargain Stocks With Exciting EV-to-EBITDA Ratios

Feb -25

Source: zacks.com

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Best Income Stocks to Buy for February 17th

Feb -17

Source: zacks.com

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Surging Earnings Estimates Signal Upside for BCB Bancorp (BCBP) Stock

Feb -16

Source: zacks.com

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BCB Bancorp (BCBP) Reports Q4 Loss, Beats Revenue Estimates

Jan -30

Source: zacks.com

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BCB Bancorp, Inc. Reports Net Loss of $12.0 Million in Fourth Quarter 2025

Jan -30

Source: globenewswire.com

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New Strong Sell Stocks for January 8th

Jan -08

Source: zacks.com

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New Strong Sell Stocks for January 2nd

Jan -02

Source:

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BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) Stock Price Crosses Below Two Hundred Day Moving Average – Time to Sell?

Dec -25

Source: defenseworld.net

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.00%)

6. Segments

Banking and Related Activities

Expected Growth: 4.0%

BCB Bancorp, Inc.'s 4.0% growth in Banking and Related Activities is driven by increasing demand for commercial loans, expansion of digital banking services, and strategic acquisitions. Additionally, a strong deposit growth, improved asset quality, and effective cost management contribute to the segment's growth.

7. Detailed Products

Commercial Loans

BCB Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to help them meet their financial needs.

Residential Mortgages

BCB Bancorp, Inc. provides residential mortgage loans to individuals and families, offering competitive rates and flexible repayment terms.

Consumer Banking

BCB Bancorp, Inc. offers a range of consumer banking products, including checking and savings accounts, credit cards, and personal loans, to help individuals manage their finances.

Wealth Management

BCB Bancorp, Inc. provides wealth management services, including investment advice, retirement planning, and estate planning, to help individuals and families achieve their long-term financial goals.

Cash Management

BCB Bancorp, Inc. offers cash management services, including treasury management, account reconciliation, and fraud prevention, to help businesses manage their cash flow.

8. BCB Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

BCB Bancorp, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and regulatory requirements of the banking industry.

Bargaining Power Of Customers

BCB Bancorp, Inc. has a diverse customer base, and no single customer has significant bargaining power.

Bargaining Power Of Suppliers

BCB Bancorp, Inc. has a diverse supplier base, and no single supplier has significant bargaining power.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory requirements and capital requirements, making it difficult for new entrants to enter the market.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 62.05%
Debt Cost 6.90%
Equity Weight 37.95%
Equity Cost 6.90%
WACC 6.90%
Leverage 163.52%

11. Quality Control: BCB Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
West Bank

A-Score: 6.2/10

Value: 6.2

Growth: 4.7

Quality: 6.8

Yield: 8.0

Momentum: 4.5

Volatility: 7.0

1-Year Total Return ->

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Stock-Card
Affinity Bancshares

A-Score: 6.0/10

Value: 5.6

Growth: 7.3

Quality: 5.1

Yield: 7.0

Momentum: 2.5

Volatility: 8.7

1-Year Total Return ->

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Stock-Card
Stock Yards Bancorp

A-Score: 5.3/10

Value: 3.6

Growth: 6.8

Quality: 6.6

Yield: 4.0

Momentum: 3.5

Volatility: 7.3

1-Year Total Return ->

View Full Report
Stock-Card
BCB Bancorp

A-Score: 5.3/10

Value: 5.6

Growth: 5.7

Quality: 2.8

Yield: 10.0

Momentum: 1.0

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Union Bankshares

A-Score: 5.1/10

Value: 7.5

Growth: 4.8

Quality: 6.6

Yield: 5.0

Momentum: 0.5

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
First Guaranty Bancshares

A-Score: 4.4/10

Value: 9.8

Growth: 4.8

Quality: 4.2

Yield: 4.0

Momentum: 0.0

Volatility: 3.3

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

8.38$

Current Price

8.38$

Potential

-0.00%

Expected Cash-Flows