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BCBP

BCB Bancorp, Inc.

BCBP

BCB Bancorp, Inc. • NASDAQ
$7.99 ▼ -0.13% (-0.01)
Market Cap $137.65 M
52w High $13.41
52w Low $7.41
Dividend Yield 0.64%
P/E 133.17
Volume 50.18K
Outstanding Shares 17.23M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $45.787M ▲ $16.57M ▲ $4.262M ▲ 9.308% ▲ $0.22 ▲ $6.121M ▲
Q2-2025 $45.257M ▼ $15.268M ▲ $3.564M ▲ 7.875% ▲ $0.18 ▲ $5.27M ▲
Q1-2025 $45.983M ▼ $14.66M ▲ $-8.324M ▼ -18.102% ▼ $-0.51 ▼ $-11.503M ▼
Q4-2024 $47.591M ▼ $14.367M ▲ $3.272M ▼ 6.875% ▼ $0.16 ▼ $4.729M ▼
Q3-2024 $51.753M $13.929M $6.668M 12.884% $0.36 $9.445M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $250.349M ▲ $3.353B ▼ $3.035B ▼ $318.453M ▲
Q2-2025 $207.587M ▼ $3.38B ▼ $3.065B ▼ $315.735M ▲
Q1-2025 $253.485M ▼ $3.474B ▼ $3.159B ▼ $314.722M ▼
Q4-2024 $318.017M ▼ $3.599B ▼ $3.275B ▼ $323.925M ▼
Q3-2024 $342.027M $3.614B $3.286B $328.113M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $4.262M ▲ $8.735M ▼ $66.09M ▲ $-32.063M ▲ $42.762M ▲ $8.455M ▼
Q2-2025 $3.564M ▲ $10.334M ▲ $41.693M ▼ $-97.925M ▲ $-45.898M ▲ $10.178M ▲
Q1-2025 $-8.324M ▼ $5.008M ▼ $46.98M ▼ $-116.52M ▼ $-64.532M ▼ $4.717M ▼
Q4-2024 $3.272M ▼ $7.786M ▼ $83.48M ▲ $-17.107M ▲ $74.159M ▲ $6.834M ▼
Q3-2024 $6.668M $43.526M $62.42M $-189.693M $-83.747M $43.437M

Five-Year Company Overview

Income Statement

Income Statement BCB Bancorp’s revenue has been climbing steadily, but profits have become more strained after a very strong year in the middle of this period. Earnings per share and net income peaked a couple of years ago and have since eased back, suggesting margin pressure from higher funding costs, competitive pricing, or credit issues. The bank is still clearly profitable, but it is having to work harder to turn its growing revenue into bottom-line gains. Overall, the story is one of solid top-line growth, offset by a noticeable squeeze on profitability in the most recent years.

Balance Sheet

Balance Sheet The balance sheet shows a bank that has grown over time, with a larger asset base and steadily building shareholder equity. Liquidity looks reasonable, with a meaningful cash position relative to the size of the bank, although cash levels have moved around year to year. Debt has risen compared with earlier years, which can enhance returns but also adds some financial risk and sensitivity to interest rates. Equity has been trending upward, indicating retained value over time, but the balance between growth, leverage, and risk management will remain important for a community-focused institution like this.

Cash Flow

Cash Flow Operating cash flow has been consistently positive, which is a healthy sign for a bank whose core business is lending and deposit-taking. There was a dip in the middle of the period followed by a recovery more recently, pointing to some volatility but not a structural breakdown. Because capital spending is very light, free cash flow closely tracks operating cash flow, giving the bank decent flexibility to support loans, dividends, or other strategic uses. Overall, cash generation looks stable rather than spectacular, but it aligns with a conservative, traditional banking profile.

Competitive Edge

Competitive Edge BCB Bancorp operates as a community bank in New Jersey and New York, leaning heavily on long-standing local relationships and personalized service. This relationship-driven model is its core edge versus larger national banks that can be more impersonal. At the same time, it faces intense competition from bigger banks, credit unions, and digital-first players, especially on deposit pricing and basic services. Its willingness to serve niche segments—such as property managers and cannabis-related businesses—helps differentiate it, but those niches can carry higher regulatory and credit risks. Overall, BCB holds a solid local franchise but must continually defend its turf in a crowded market.

Innovation and R&D

Innovation and R&D While not a tech pioneer, BCB has made meaningful strides in modernizing its platform by partnering with established fintech providers rather than building everything in-house. The collaboration with Q2 gives its customers a more polished online and mobile banking experience, including stronger tools for both consumers and small businesses. On top of this, specialized solutions like digital rent and escrow tools, and services for cannabis-related businesses, show a targeted, opportunistic approach to innovation. The bank is essentially using technology to reinforce its community model—high-touch relationships supported by high-tech tools—rather than trying to reinvent itself as a pure digital bank.

Summary

BCB Bancorp looks like a traditional community bank that has grown steadily while selectively modernizing its operations. Revenue is rising, but recent years show pressure on profit margins, likely reflecting a tougher interest-rate and competitive environment and some credit challenges in niche lending areas. The balance sheet has expanded with more leverage but also higher equity, and cash flow remains consistently positive, supporting ongoing operations. Competitively, its strength lies in deep local relationships and niche offerings, now backed by an upgraded digital platform. The main watchpoints are profitability trends, credit quality in specialized loan portfolios, and how effectively management uses technology to improve efficiency and deepen customer relationships without taking on outsized risk.