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BCBPBCB Bancorp, Inc.
$10.17$177M
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BCBP logoBCB Bancorp, Inc.(BCBP)Earnings, Financials & Key Ratios

BCBP•NASDAQ•Banking & Credit
$10.17
Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBCB 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.Show more
  • Net Interest Income$93M+23.4%
  • Total Revenue$166M-15.5%
  • Net Income-$13M-167.3%
  • Return on Equity-3.99%-168.3%
  • Net Interest Margin2.84%+35.4%
  • Efficiency Ratio37.74%+30.1%
  • ROA-0.36%-172.7%
  • Equity / Assets9.28%+3.1%
  • Book Value per Share17.71-7.0%

BCBP Price & Volume

BCB Bancorp, Inc. (BCBP) stock price & volume — 10-year historical chart

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Persistent Margin Compression Strains BCB Bancorp Solvency

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:CRE concentration credit risk

Key Thesis Takeaways

  • BCB Bancorp faces a challenging outlook characterized by persistent net interest margin compression at 0.7% and significant credit provisioning volatility, exemplified by a $20.8 million charge in 2025Q1.
  • The bank's heavy concentration in New Jersey commercial real estate creates structural vulnerability, while recent net losses, including a $12.0 million deficit in 2025Q4, severely constrain organic capital formation.
  • Investors should monitor the sustainability of the 5.9% dividend yield against these ongoing operational pressures and the bank's reliance on securities liquidation to maintain liquidity.

Verdict Logic

the bank's fundamental stability is undermined by a negative TTM P/E of -12.46 and the recurring need to liquidate assets to support operations despite a 5.9% dividend yield.

BCBP Growth Metrics

BCB Bancorp, Inc. (BCBP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.38%
5 Years6.49%
3 Years7.75%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-84.19%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-146.67%

Return on Capital

10 Years5.48%
5 Years5.52%
3 Years1.97%
Last Year-2.97%

BCBP Recent Earnings

BCB Bancorp, Inc. (BCBP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (27%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 21, 2026
Metric
Actual
Est
EPS
$0.26+4.0%
$0.25
Rev
$25M-3.3%
$26M
Q2 2026
Mar 9, 2026
Metric
Actual
Est
EPS
$0.70
—
Rev
$29M
—
Q1 2026
Jan 30, 2026
Metric
Actual
Est
EPS
$0.73+8.2%
$0.80
Rev
$26M+44.6%
$18M
Q4 2025
Oct 27, 2025
Metric
Actual
Est
EPS
$0.22+4.8%
$0.21
Rev
$26M+4.9%
$25M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.26vs $0.25+4.0%
$25Mvs $26M-3.3%
Q2 2026Mar 9, 2026
$0.70
$29M
Q1 2026Jan 30, 2026
$0.73vs $0.80+8.2%
$26Mvs $18M+44.6%
Q4 2025Oct 27, 2025
$0.22vs $0.21+4.8%
$26Mvs $25M+4.9%
Based on last 12 quarters of dataView full earnings history →

Latest BCBP News

Recent stock market news and headlines for BCB Bancorp, Inc. (BCBP)

GlobeNewsWire·Jun 18, 2026
BCB Announces Suspension of Cash Dividend

BAYONNE, N.J., June 18, 2026 (GLOBE NEWSWIRE) -- BCB Bancorp, Inc. (the “Company”), (NASDAQ: BCBP), the holding company for BCB Community Bank (the “Bank”), announced today that the Company's Board of Directors voted to suspend payment of the Company's quarterly cash dividends on its common and preferred stock. In connection with the suspension of its cash dividends, the Company also announced that the Company's Board of Directors voted to suspend its 2026 Amended and Restated Dividend Reinvestment and Stock Purchase Plan.

Peers Comparison

Key metrics vs top competitors for BCB Bancorp, Inc. (BCBP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BCBP logoBCBPBCB Bancorp, Inc.Current
$10.17$176.58M-12.11-15.49%-7.53%-3.99%6.08%
OCFC logoOCFCOceanFirst Financial Corp.
$18.96$1.09B16.21-4.7%10.55%4.22%—
KRNY logoKRNYKearny Financial Corp.
$9.31$585.91M22.175.09%10.39%4.75%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
CTBI logoCTBICommunity Trust Bancorp, Inc.
$72.14$1.31B13.298.86%24.85%12.27%—
FUNC logoFUNCFirst United Corporation
$43.96$283.4M11.666.6%20.89%12.7%—

Compare BCBP vs Peers

BCB Bancorp, Inc. (BCBP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OCFC

Most directly comparable listed peer for BCBP.

Scale Benchmark

vs V

Larger-name benchmark to compare BCBP against a more recognizable public peer.

Peer Set

Compare Top 5

vs OCFC, KRNY, NBTB, CTBI

BCBP SEC Filings & Documents

BCB Bancorp, Inc. (BCBP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 18, 2026·SEC

Material company update

Jun 1, 2026·SEC

Material company update

May 21, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

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BCBP Frequently Asked Questions

BCB Bancorp, Inc. (BCBP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is BCB Bancorp, Inc. growing?

BCB Bancorp, Inc. (BCBP) saw revenue decline by 15.5% over the past year.

Is BCBP profitable?

Yes, BCB Bancorp, Inc. (BCBP) is profitable, generating $0.7M in net income for fiscal year 2025 (-7.5% net margin).

Dividend & Returns
Does BCBP pay dividends?

Yes, BCB Bancorp, Inc. (BCBP) pays a dividend with a yield of 6.08%. This makes it attractive for income-focused investors.

What is BCBP's return on equity?

BCB Bancorp, Inc. (BCBP) has a return on equity (ROE) of -4.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is BCB Bancorp, Inc.'s net interest margin?

BCB Bancorp, Inc. (BCBP) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is BCB Bancorp, Inc.'s efficiency ratio?

BCB Bancorp, Inc. (BCBP) has an efficiency ratio of 37.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BCBP back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

See returns →