Latest Ratios: P/E Ratio -12.2x · EV/EBITDA N/A · ROE -4.0%. (2002–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $178M | $139M | $201M | $218M | $312M | $266M | $191M | $226M | $164M | $181M | $146M |
| Enterprise Value | $191M | $151M | $395M | $462M | $516M | $-24628230 | $172M | $-28624830 | $250M | $245M | $259M |
| P/E Ratio → | -12.24 | — | 11.96 | 7.56 | 6.97 | 8.04 | 9.71 | 11.49 | 10.37 | 19.33 | 20.63 |
| P/S Ratio | 1.07 | 0.83 | 1.02 | 1.13 | 2.35 | 2.20 | 1.57 | 1.76 | 1.45 | 2.13 | 1.89 |
| P/B Ratio | 0.58 | 0.46 | 0.62 | 0.69 | 1.07 | 0.97 | 0.77 | 0.95 | 0.82 | 1.03 | 1.12 |
| P/FCF | 5.12 | 3.98 | 3.03 | 7.10 | 7.73 | 5.84 | 1.38 | 10.41 | 4.26 | 9.48 | 125.66 |
| P/OCF | 4.97 | 3.86 | 2.98 | 6.19 | 7.63 | 5.80 | 1.37 | 9.33 | 4.10 | 8.62 | 20.20 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.91 | 2.01 | 2.40 | 3.88 | -0.20 | 1.42 | -0.22 | 2.21 | 2.88 | 3.35 |
| EV / EBITDA | — | — | 14.89 | 11.29 | 8.09 | -0.49 | 5.76 | -0.95 | 10.40 | 11.53 | 18.69 |
| EV / EBIT | — | — | 15.03 | 11.14 | 8.17 | -0.51 | 5.83 | -0.94 | 10.33 | 12.13 | 19.56 |
| EV / FCF | — | 4.32 | 5.94 | 15.08 | 12.77 | -0.54 | 1.25 | -1.32 | 6.51 | 12.82 | 222.83 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 26.7% | 26.7% | 42.3% | 53.0% | 89.2% | 84.3% | 65.1% | 66.6% | 71.2% | 79.1% | 79.0% |
| Operating Margin | -11.0% | -11.0% | 13.3% | 21.5% | 47.4% | 39.9% | 24.2% | 23.5% | 21.4% | 23.8% | 17.1% |
| Net Profit Margin | -7.5% | -7.5% | 9.5% | 15.3% | 34.3% | 28.3% | 17.2% | 16.3% | 14.8% | 11.7% | 10.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -4.0% | -4.0% | 5.8% | 9.7% | 16.1% | 13.1% | 8.5% | 9.6% | 8.9% | 6.5% | 6.0% |
| ROA | -0.4% | -0.4% | 0.5% | 0.8% | 1.4% | 1.2% | 0.7% | 0.8% | 0.7% | 0.5% | 0.5% |
| ROIC | -1.9% | -1.9% | 2.4% | 4.0% | 8.4% | 8.1% | 4.3% | 4.5% | 4.3% | 4.5% | 3.1% |
| ROCE | -3.0% | -3.0% | 3.6% | 5.3% | 11.1% | 10.6% | 5.6% | 5.8% | 5.6% | 6.0% | 4.1% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.95 | 0.95 | 1.58 | 1.67 | 1.49 | 0.44 | 0.98 | 1.24 | 1.41 | 1.07 | 1.37 |
| Debt / EBITDA | — | — | 19.29 | 12.81 | 6.80 | 2.41 | 8.15 | 9.80 | 11.73 | 8.89 | 12.91 |
| Net Debt / Equity | — | 0.04 | 0.60 | 0.78 | 0.70 | -1.06 | -0.07 | -1.07 | 0.43 | 0.36 | 0.86 |
| Net Debt / EBITDA | — | — | 7.29 | 5.97 | 3.19 | -5.76 | -0.62 | -8.45 | 3.59 | 3.00 | 8.15 |
| Debt / FCF | — | 0.35 | 2.91 | 7.97 | 5.04 | -6.38 | -0.13 | -11.73 | 2.25 | 3.34 | 97.17 |
| Interest Coverage | -0.23 | -0.23 | 0.26 | 0.49 | 3.61 | 3.18 | 0.89 | 0.74 | 0.88 | 1.29 | 0.81 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.11 | 0.11 | 0.11 | 0.10 | 0.12 | 0.20 | 0.16 | 0.28 | 0.15 | 0.16 | 0.12 |
| Quick Ratio | 0.11 | 0.11 | 0.11 | 0.10 | 0.12 | 0.20 | 0.16 | 0.28 | 0.15 | 0.16 | 0.12 |
| Cash Ratio | 0.10 | 0.10 | 0.11 | 0.09 | 0.08 | 0.16 | 0.11 | 0.23 | 0.09 | 0.08 | 0.05 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 6.0% | 7.7% | 5.2% | 4.8% | 3.3% | 3.7% | 4.8% | 3.8% | 5.1% | 3.6% | 4.1% |
| Payout Ratio | — | — | 56.1% | 35.4% | 22.8% | 28.5% | 44.2% | 41.4% | 50.1% | 65.6% | 75.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.4% | 13.2% | 14.3% | 12.4% | 10.3% | 8.7% | 9.6% | 5.2% | 4.8% |
| FCF Yield | 19.5% | 25.1% | 33.0% | 14.1% | 12.9% | 17.1% | 72.3% | 9.6% | 23.5% | 10.5% | 0.8% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.8% | 1.1% | 1.6% | 2.6% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 6.0% | 7.7% | 5.2% | 6.6% | 4.4% | 5.3% | 7.4% | 3.8% | 5.1% | 3.6% | 4.1% |
| Shares Outstanding | — | $17M | $17M | $17M | $17M | $17M | $17M | $16M | $16M | $13M | $11M |
CRE concentration credit risk
Trading at a P/B of 0.59, BCBP is currently priced at a significant discount to book value, which, according to recent market data, suggests that investors are heavily discounting the bank's tangible equity due to persistent profitability challenges and the high risk profile of its regional loan portfolio.
The current valuation multiple implies that the market expects a prolonged period of sub-par returns on tangible equity, likely failing to reach the cost of capital for the foreseeable future. This deep discount indicates that the bank is viewed as a commodity balance sheet rather than a premium franchise, with little expectation for near-term earnings recovery.
As reported in quarterly financial statements, BCBP's ROE has fluctuated into negative territory, reaching -3.9% in 2025Q4, a trend that highlights the severe impact of compressed net interest margins and elevated credit provisioning on the bank's ability to generate sustainable returns for its shareholders.
The DuPont decomposition reveals that the bank's profitability is currently undermined by a failure to maintain adequate asset yields relative to funding costs. Without a meaningful improvement in non-interest income or a reduction in credit-related expenses, the bank's ability to restore positive ROE appears structurally constrained.
Based on the provided efficiency ratio data, which spiked to 55.5% in 2025Q4, BCBP is experiencing significant operational strain as non-interest expenses consume a larger share of revenue, a development that suggests the bank's current brick-and-mortar cost structure is increasingly misaligned with its declining top-line performance.
The persistent NIM compression at 0.7% indicates that the bank lacks the pricing power to pass on higher funding costs to its commercial real estate borrowers. This lack of operating leverage warrants close monitoring, as the bank may be forced to rationalize its branch footprint to stabilize its efficiency metrics.
Investors frequently misapply the P/E ratio to BCBP, which, as evidenced by the current TTM P/E of -12.46, obscures the bank's true financial health by failing to account for the volatility inherent in credit loss provisions and the underlying quality of the bank's tangible book value.
Because P/E ratios are highly sensitive to non-cash provisioning charges, they often provide a distorted view of a bank's earnings power during periods of credit stress. Analysts should instead prioritize P/TBV and the Tier 1 leverage ratio to better assess the bank's capital adequacy and its ability to absorb potential losses within its concentrated real estate portfolio.
Includes 30+ ratios · 24 years · Updated daily
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Quick answers to the most common questions about buying BCBP stock.
BCB Bancorp, Inc.'s current P/E ratio is -12.2x. The historical average is 13.6x.
BCB Bancorp, Inc.'s return on equity (ROE) is -4.0%. The historical average is 8.7%.
Based on historical data, BCB Bancorp, Inc. is trading at a P/E of -12.2x. Compare with industry peers and growth rates for a complete picture.
BCB Bancorp, Inc.'s current dividend yield is 6.01%.
BCB Bancorp, Inc. has 26.7% gross margin and -11.0% operating margin.