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BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that engages in the provision of banking products and services to businesses and individuals in the United States. The company offers insured 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 various loan products, such as commercial and multi-family real estate loans, one-to-four family mortgage loans, commercial business loans, construction loans, home equity loans, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfer, money order, safe deposit box, night depository, debit card, online and mobile banking, fraud detection, and automated teller services. The company was founded in 2000 and is based in Bayonne, New Jersey.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
BCB Bancorp, Inc. is the bank holding company for a regional community bank that offers deposit and lending services to individuals and businesses. Long-term growth may be supported by expanded loan originations tied to local economic activity, modest fee diversification and operational efficiencies, which may appeal to investors seeking regional bank exposure.
Key risks include credit-quality deterioration from concentrated local lending and commercial real estate exposure, competitive pressure from larger banks and fintechs that can compress margins, and regulatory or operational setbacks that could increase costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 63.11M | 48.26M | 29.42M | 30.34M | 24.25M |
| Net income | 45.58M | 34.24M | 20.86M | 21.03M | 16.76M |
| Selling general administrative | 35.31M | 34.79M | 32.62M | 33.94M | 33.15M |
| Selling and marketing expenses | 0.94M | 0.55M | 0.13M | 0.33M | 0.42M |
| Gross profit | 115.54M | 105.72M | 88.52M | 88.00M | 85.64M |
| Reconciled depreciation | 0.64M | 2.22M | 0.44M | -0.15M | -0.17M |
| Ebit | 80.61M | 48.26M | 29.42M | 30.34M | 51.66M |
| Ebitda | 81.25M | 50.48M | 29.86M | 30.19M | 51.49M |
| Depreciation and amortization | 0.64M | 2.22M | 0.44M | -0.15M | -0.17M |
| Operating income | 80.61M | 48.26M | 29.42M | 30.34M | 51.66M |
| Other operating expenses | 4.71M | -57.46M | -59.10M | -57.65M | 33.98M |
| Interest expense | 17.50M | 15.18M | 33.02M | 40.95M | 27.42M |
| Tax provision | 17.53M | 14.02M | 8.57M | 9.31M | 7.48M |
| Interest income | 131.44M | 111.61M | 113.43M | 123.56M | 105.10M |
| Net interest income | 113.94M | 96.43M | 80.41M | 82.60M | 77.68M |
| Income tax expense | 17.53M | 14.02M | 8.57M | 9.31M | 7.48M |
| Total revenue | 115.54M | 105.72M | 88.52M | 88.00M | 85.64M |
| Total operating expenses | 4.71M | -57.46M | -59.10M | -57.65M | -33.98M |
| Cost of revenue | - | - | - | - | 32.55M |
| Total other income expense net | -17.50M | -15.18M | -33.02M | -40.95M | -27.42M |
| Net income from continuing ops | 45.58M | 34.24M | 20.86M | 21.03M | 16.76M |
| Net income applicable to common shares | 44.78M | 33.08M | 19.56M | 19.69M | 15.81M |
| Preferred stock and other adjustments | 0.80M | 1.16M | 1.30M | 1.35M | 0.95M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 3836.81M | 3546.19M | 2967.53M | 2823.66M | 2907.47M |
| Intangible assets | 5.25M | 5.38M | 0.18M | 5.49M | 5.55M |
| Earning assets | - | - | - | - | 632.45M |
| Other current assets | 296.33M | -218.57M | 0.73M | 2293.15M | 2123.62M |
| Total liab | 3522.76M | 3254.94M | 121.74M | 246.07M | 295.99M |
| Total stockholder equity | 314.06M | 291.25M | 274.02M | 249.21M | 239.47M |
| Other current liab | 2671.23M | 2811.61M | 2561.40M | 199.51M | 2631.18M |
| Common stock | 198.92M | 196.16M | 193.93M | 192.28M | 190.29M |
| Capital stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Retained earnings | 135.93M | 115.11M | 81.17M | 58.34M | 48.43M |
| Other liab | - | 9.70M | 10.36M | 10.33M | 9.94M |
| Good will | - | - | 5.25M | - | 5.25M |
| Other assets | - | 3072.12M | 2320.30M | 2295.79M | 2123.62M |
| Cash | 280.26M | 230.09M | 412.36M | 261.96M | 551.09M |
| Total current liabilities | 2674.32M | 30.32M | 12.75M | 15.22M | 13.38M |
| Current deferred revenue | - | 16.46M | - | - | - |
| Net debt | 243.49M | 203.53M | -290.63M | -15.90M | -255.10M |
| Short term debt | 3.09M | 13.86M | 12.75M | 15.22M | 13.38M |
| Short long term debt | 18.00M | - | - | - | 50.00M |
| Short long term debt total | 523.75M | 433.63M | 121.74M | 246.07M | 295.99M |
| Other stockholder equity | -38.35M | -34.53M | -31.12M | -26.92M | -22.05M |
| Property plant equipment | - | 10.51M | 12.24M | 15.27M | 19.92M |
| Total current assets | 296.33M | 335.26M | 506.73M | 374.64M | 651.02M |
| Long term investments | 96.86M | 109.40M | 2416.34M | 2416.44M | 2275.06M |
| Net tangible assets | - | 285.87M | 268.59M | 243.72M | 233.92M |
| Short term investments | 87.77M | 91.72M | 85.19M | 99.76M | 91.61M |
| Net receivables | 16.07M | 13.46M | 9.18M | 12.92M | 8.32M |
| Long term debt | 492.44M | 419.77M | 37.27M | 37.04M | 36.81M |
| Inventory | 0.53M | 0.07M | 0.07M | 0.41M | 1.62M |
| Accounts payable | - | 2811.61M | 2561.40M | 2318.05M | 2362.06M |
| Accumulated other comprehensive income | -7.49M | -6.49M | 1.13M | -0.20M | -2.22M |
| Common stock total equity | - | - | - | 192.28M | - |
| Retained earnings total equity | - | 115.11M | 81.17M | 58.34M | 48.43M |
| Treasury stock | - | -34.53M | -31.12M | -26.92M | -22.05M |
| Non currrent assets other | 3196.74M | -16.46M | -12.96M | -12.57M | -11.18M |
| Non current assets total | 3540.48M | 138.81M | 140.50M | 153.22M | 132.83M |
| Capital lease obligations | 13.31M | 13.86M | 12.75M | 15.22M | 13.38M |
| Long term debt total | - | 37.51M | 37.27M | 37.04M | 36.81M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -513.33M | -764.48M | -3.45M | -263.82M | 134.80M |
| Change to liabilities | - | -0.45M | 2.20M | -0.32M | -0.68M |
| Total cashflows from investing activities | - | -761.50M | -7.67M | -315.49M | 135.10M |
| Net borrowings | - | 310.00M | -120.00M | -54.64M | -54.64M |
| Total cash from financing activities | 248.33M | 538.34M | 112.17M | -112.98M | 195.72M |
| Change to operating activities | - | -4.67M | 0.27M | -1.08M | -0.50M |
| Net income | 29.48M | 45.58M | 34.24M | 20.86M | 21.03M |
| Change in cash | 50.16M | -182.27M | 150.40M | -289.12M | 355.09M |
| Begin period cash flow | 229.36M | 411.63M | 261.23M | 550.35M | 195.26M |
| End period cash flow | 279.52M | 229.36M | 411.63M | 261.23M | 550.35M |
| Total cash from operating activities | 35.75M | 40.89M | 45.89M | 139.34M | 24.27M |
| Issuance of capital stock | 0.93M | 7.23M | 3.68M | 11.55M | 24.42M |
| Depreciation | 2.11M | 0.64M | 2.22M | 0.44M | -0.15M |
| Other cashflows from investing activities | - | 3.50M | -3.89M | -50.29M | 2.82M |
| Dividends paid | 11.14M | 11.18M | 10.94M | 10.53M | 10.06M |
| Change to account receivables | -2.62M | -4.27M | 3.74M | -4.61M | 0.06M |
| Sale purchase of stock | -15.05M | -18.14M | -4.21M | -15.36M | 24.44M |
| Other cashflows from financing activities | 347.47M | 567.24M | 256.84M | 55.34M | 236.66M |
| Change to netincome | - | -5.33M | 2.55M | 0.93M | 4.39M |
| Capital expenditures | 4.53M | 0.52M | 0.33M | 1.39M | 2.51M |
| Change receivables | - | -4.27M | 3.74M | -4.61M | 0.06M |
| Cash flows other operating | - | 3.11M | 0.17M | 119.49M | -3.42M |
| Cash and cash equivalents changes | - | -182.27M | 150.40M | -289.12M | 355.09M |
| Change in working capital | 1.17M | -6.27M | 6.97M | -4.65M | -0.44M |
| Stock based compensation | 0.59M | 1.13M | 0.42M | 1.19M | 0.99M |
| Other non cash items | 4.94M | 0.82M | 3.02M | 123.52M | 1.56M |
| Free cash flow | 31.22M | 40.37M | 45.57M | 137.96M | 21.75M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| BCBP BCB Bancorp Inc |
0.25 2.90% |
8.86 | 6.60 | 5.87 | 1.62 | 0.53 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 |
BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that engages in the provision of banking products and services to businesses and individuals in the United States. The company offers insured 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 various loan products, such as commercial and multi-family real estate loans, one-to-four family mortgage loans, commercial business loans, construction loans, home equity loans, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfer, money order, safe deposit box, night depository, debit card, online and mobile banking, fraud detection, and automated teller services. The company was founded in 2000 and is based in Bayonne, New Jersey.
| Name | Title | Year Born |
|---|---|---|
| Mr. Thomas M. Coughlin | Pres, CEO & Director | 1960 |
| Mr. Thomas P. Keating CPA, CPA | Sr. VP & CFO (Leave of Absence) | 1956 |
| Mr. Kenneth G. Emerson | Sr. VP and Chief Strategy & Risk Officer | 1962 |
| Mr. Jawad Chaudhry | Chief Financial Officer | NA |
| Mr. Ryan Blake M.B.A. | Sr. VP, COO, Corp. Sec. & Director | 1990 |
| Ms. Karen M. Duran CPA | VP & Chief Accounting Officer | 1969 |
| Mr. Wing Siu | Sr. VP & Chief IT/IS Officer | 1960 |
| Ms. Sandra L. Sievewright | Chief Compliance Officer & Chief Risk Officer of BCB Community Bank | 1964 |
| Mr. David Roque Garcia | Sr. VP & Chief Lending Officer | 1964 |
| Mr. Jawad Chaudhry C.F.A. | Executive VP & CFO | 1982 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Basic Materials
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Communication Services
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Consumer Cyclical
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Financial Services
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