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BCB Bancorp, Inc. (NJ) (BCBP) Financials

BCB Bancorp, Inc. (NJ) logo
$10.31 +0.03 (+0.29%)
Closing price 04:00 PM Eastern
Extended Trading
$10.33 +0.02 (+0.19%)
As of 04:10 PM Eastern
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Annual Income Statements for BCB Bancorp, Inc. (NJ)

Annual Income Statements for BCB Bancorp, Inc. (NJ)

This table shows BCB Bancorp, Inc. (NJ)'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.11 7.07 9.37 16 20 20 33 45 29 17 -14
Consolidated Net Income / (Loss)		 7.03 8.00 9.98 17 21 21 34 46 29 19 -13
Net Income / (Loss) Continuing Operations		 7.03 8.00 9.98 17 21 21 34 46 29 19 -13
Total Pre-Tax Income 		12 13 20 24 30 29 48 63 41 26 -18
Total Revenue		 61 61 69 86 88 93 106 116 108 95 102
Net Interest Income / (Expense)		 54 55 62 78 83 80 97 114 104 92 93
Total Interest Income		 67 71 78 105 124 113 113 131 188 194 173
Loans and Leases Interest Income		 67 69 73 98 114 107 108 124 170 172 154
Investment Securities Interest Income		 0.65 1.22 2.90 3.76 2.74 1.75 0.68 4.73 0.88 5.33 2.94
Other Interest Income		 0.10 0.73 1.31 3.51 6.83 4.53 4.23 3.13 18 17 16
Total Interest Expense		 14 16 16 27 41 33 15 17 84 102 80
Deposits Interest Expense		 7.41 11 12 21 33 26 11 13 57 78 61
Long-Term Debt Interest Expense		 6.46 5.73 3.64 6.26 7.88 7.07 4.18 4.88 28 24 19
Total Non-Interest Income		 7.07 6.12 7.48 7.96 5.39 12 8.70 1.60 4.09 2.94 8.56
Other Service Charges		 2.19 3.17 3.44 6.24 3.61 3.45 4.61 5.06 5.59 5.25 5.50
Net Realized & Unrealized Capital Gains on Investments		 4.87 2.95 4.04 1.72 1.78 7.99 1.13 -6.14 -3.25 -4.95 -0.27
Other Non-Interest Income		 - - - - 0.00 1.03 2.95 2.67 1.75 2.63 3.33
Provision for Credit Losses		 2.28 0.03 2.11 5.13 2.07 9.44 3.86 -3.08 6.10 12 42
Total Non-Interest Expense		 46 48 47 56 56 54 54 56 61 57 78
Salaries and Employee Benefits		 23 25 24 28 28 26 26 28 31 28 31
Net Occupancy & Equipment Expense		 12 11 11 13 14 17 17 17 17 17 18
Marketing Expense		 2.22 1.60 0.43 0.42 0.33 0.93 0.55 0.94 1.35 0.86 1.13
Other Operating Expenses		 8.08 8.68 9.96 13 13 8.61 8.03 9.88 11 11 27
Income Tax Expense		 4.81 5.26 10 7.48 9.31 8.57 14 18 12 7.65 -5.77
Preferred Stock Dividends Declared		 0.92 0.94 0.61 0.95 1.35 1.30 1.16 0.80 0.70 1.83 1.93
Basic Earnings per Share		 $0.69 $0.63 $0.76 $1.02 $1.20 $1.14 $1.94 $2.64 $1.71 $0.99 ($0.84)
Weighted Average Basic Shares Outstanding		 8.85M 11.24M 12.40M 15.57M 16.37M 17.21M 17.06M 16.97M 16.87M 17.01M 17.19M
Diluted Earnings per Share		 $0.69 $0.63 $0.75 $1.01 $1.20 $1.14 $1.92 $2.58 $1.70 $0.99 ($0.84)
Weighted Average Diluted Shares Outstanding		 8.88M 11.25M 12.51M 15.66M 16.42M 17.23M 17.24M 17.35M 16.93M 17.02M 17.19M
Weighted Average Basic & Diluted Shares Outstanding		 8.90M 11.20M 15.06M 16.40M 17.51M 17.12M 16.98M 16.94M 16.96M 17.16M 17.36M
Cash Dividends to Common per Share		 $0.28 $0.14 $0.14 $0.14 $0.56 $0.56 $0.60 $0.64 $0.64 $0.64 $0.64

Quarterly Income Statements for BCB Bancorp, Inc. (NJ)

This table shows BCB Bancorp, Inc. (NJ)'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.54 5.88 5.43 2.37 6.19 2.80 -8.81 3.08 3.78 -13 4.42
Consolidated Net Income / (Loss)		 6.71 6.06 5.87 2.82 6.67 3.27 -8.32 3.56 4.26 -12 4.90
Net Income / (Loss) Continuing Operations		 6.71 6.06 5.87 2.82 6.67 3.27 -8.32 3.56 4.26 -12 4.90
Total Pre-Tax Income 		9.42 8.66 8.33 3.98 9.35 4.61 -12 5.02 5.81 -17 6.60
Total Revenue		 27 27 25 20 26 23 24 25 26 26 25
Net Interest Income / (Expense)		 26 24 23 24 23 22 22 23 24 24 23
Total Interest Income		 49 50 49 49 49 47 44 43 43 43 40
Loans and Leases Interest Income		 44 44 44 44 43 41 39 39 38 38 36
Investment Securities Interest Income		 0.22 0.29 0.31 0.30 0.30 0.47 0.56 0.77 0.84 -0.20 0.84
Other Interest Income		 4.72 5.52 5.26 5.11 5.47 4.75 4.70 3.77 3.92 4.40 3.69
Total Interest Expense		 23 26 26 26 26 24 22 20 19 18 18
Deposits Interest Expense		 16 19 20 20 20 18 16 15 15 15 14
Long-Term Debt Interest Expense		 7.73 7.28 5.74 5.73 6.08 6.22 5.86 5.11 4.05 3.79 3.67
Total Non-Interest Income		 1.41 3.23 2.11 -3.23 3.13 0.94 1.79 2.08 2.75 1.94 2.10
Other Service Charges		 1.42 1.51 1.26 1.17 1.31 1.52 1.30 1.40 1.44 1.36 1.24
Net Realized & Unrealized Capital Gains on Investments		 -0.48 1.12 0.18 -5.07 1.17 -1.22 -0.12 -0.11 0.37 -0.42 -0.09
Other Non-Interest Income		 0.47 0.60 0.68 0.67 0.65 0.64 0.61 0.79 0.93 1.00 0.95
Provision for Credit Losses		 2.21 1.93 2.09 2.44 2.89 4.15 21 4.89 4.08 12 2.79
Total Non-Interest Expense		 15 17 15 14 14 14 15 15 17 31 16
Salaries and Employee Benefits		 7.52 7.97 6.98 6.99 7.14 7.12 7.40 7.71 8.32 7.96 8.33
Net Occupancy & Equipment Expense		 4.41 4.33 4.50 4.20 4.27 4.24 4.57 4.55 4.61 4.60 4.75
Marketing Expense		 0.32 0.40 0.22 0.25 0.18 0.21 0.18 0.22 0.28 0.45 0.20
Other Operating Expenses		 3.21 3.86 3.14 2.54 2.34 2.80 2.51 2.79 3.35 18 2.28
Income Tax Expense		 2.71 2.59 2.46 1.16 2.69 1.34 -3.39 1.46 1.54 -5.39 1.70
Preferred Stock Dividends Declared		 0.17 0.18 0.43 0.45 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Basic Earnings per Share		 $0.39 $0.35 $0.32 $0.14 $0.36 $0.17 ($0.51) $0.18 $0.22 ($0.73) $0.26
Weighted Average Basic Shares Outstanding		 16.83M 16.87M 16.93M 17.01M 17.04M 17.01M 17.11M 17.18M 17.21M 17.19M 17.31M
Diluted Earnings per Share		 $0.39 $0.35 $0.32 $0.14 $0.36 $0.17 ($0.51) $0.18 $0.22 ($0.73) $0.26
Weighted Average Diluted Shares Outstanding		 16.85M 16.93M 16.94M 17.01M 17.06M 17.02M 17.11M 17.18M 17.21M 17.19M 17.31M
Weighted Average Basic & Diluted Shares Outstanding		 16.85M 16.96M 16.96M 17.03M 17.05M 17.16M 17.16M 17.19M 17.23M 17.36M 17.36M
Cash Dividends to Common per Share		 $0.16 - $0.16 $0.16 $0.16 - $0.16 $0.16 $0.14 - $0.08

Annual Cash Flow Statements for BCB Bancorp, Inc. (NJ)

This table details how cash moves in and out of BCB Bancorp, Inc. (NJ)'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 101 -68 59 71 355 -289 150 -182 50 38 -41
Net Cash From Operating Activities		 7.69 7.24 21 40 24 139 46 41 35 68 36
Net Cash From Continuing Operating Activities		 7.69 7.24 21 40 24 139 46 41 35 68 36
Net Income / (Loss) Continuing Operations		 7.03 8.00 9.98 17 21 21 34 46 29 19 -13
Consolidated Net Income / (Loss)		 7.03 8.00 9.98 17 21 21 34 46 29 19 -13
Provision For Loan Losses		 2.28 0.03 2.11 5.13 2.07 9.44 3.86 -3.08 6.10 12 42
Depreciation Expense		 2.15 2.42 2.52 2.77 2.89 3.00 2.99 2.25 1.98 1.71 1.56
Amortization Expense		 -0.45 -1.81 -1.46 -2.94 -3.04 -2.55 -0.77 -1.61 -2.53 -1.46 -0.59
Non-Cash Adjustments to Reconcile Net Income		 1.58 0.09 5.39 19 1.76 113 -1.39 4.02 -1.04 39 7.13
Changes in Operating Assets and Liabilities, net		 -4.90 -1.50 2.49 -0.91 -0.44 -4.65 6.97 -6.27 1.17 -1.27 -1.66
Net Cash From Investing Activities		 -218 -160 -183 -466 135 -315 -7.67 -762 -233 223 232
Net Cash From Continuing Investing Activities		 -218 -160 -183 -466 135 -315 -7.67 -762 -233 223 232
Purchase of Property, Leasehold Improvements and Equipment		 -3.58 -6.08 -1.91 -1.57 -2.51 -1.39 -0.33 -0.52 -4.53 -1.23 -1.05
Purchase of Investment Securities		 -217 -164 -236 -497 -1.57 -386 -45 -41 -12 -15 -62
Sale and/or Maturity of Investments		 2.69 8.97 55 24 139 63 33 -719 -216 239 296
Net Cash From Financing Activities		 311 85 221 497 196 -113 112 538 248 -253 -309
Net Cash From Continuing Financing Activities		 311 85 221 497 196 -113 112 538 248 -253 -309
Net Change in Deposits		 245 118 177 433 181 -44 243 250 167 -228 -77
Issuance of Debt		 67 30 85 208 50 88 10 310 400 39 0.00
Issuance of Preferred Equity		 3.85 - 9.50 - 5.31 11 3.20 6.81 15 9.69 0.52
Issuance of Common Equity		 26 0.34 43 0.47 19 0.36 0.48 0.42 1.36 0.82 1.12
Repayment of Debt		 -26 -55 -75 -135 -50 -143 -130 0.00 -310 -52 -221
Repurchase of Preferred Equity		 - -1.71 -12 - 0.00 -10 0.00 -15 -11 -10 0.00
Repurchase of Common Equity		 - -0.01 -0.01 - 0.00 -4.87 -4.21 -3.41 -3.82 0.00 0.00
Payment of Dividends		 -5.38 -6.95 -7.16 -9.36 -10 -11 -11 -11 -11 -12 -13
Other Financing Activities, Net		 - - 0.00 0.04 0.02 0.01 0.29 0.22 0.42 0.00 0.00
Cash Interest Paid		 14 17 16 26 41 34 16 15 82 103 81
Cash Income Taxes Paid		 2.38 5.32 4.29 9.16 10 13 12 19 18 6.88 1.80

Quarterly Cash Flow Statements for BCB Bancorp, Inc. (NJ)

This table details how cash moves in and out of BCB Bancorp, Inc. (NJ)'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -21 28 73 -26 -84 74 -65 -46 43 27 17
Net Cash From Operating Activities		 9.97 0.67 8.29 8.13 44 7.79 5.01 10 8.74 12 5.17
Net Cash From Continuing Operating Activities		 9.97 0.67 8.29 8.13 44 7.79 5.01 10 8.74 12 5.17
Net Income / (Loss) Continuing Operations		 6.71 6.06 5.87 2.82 6.67 3.27 -8.32 3.56 4.26 -12 4.90
Consolidated Net Income / (Loss)		 6.71 6.06 5.87 2.82 6.67 3.27 -8.32 3.56 4.26 -12 4.90
Provision For Loan Losses		 2.21 1.93 2.09 2.44 2.89 4.15 21 4.89 4.08 12 2.79
Depreciation Expense		 0.52 0.50 0.46 0.44 0.43 0.39 0.39 0.38 0.39 0.40 0.41
Amortization Expense		 -0.76 -0.70 -0.53 -0.33 -0.34 -0.27 -0.18 -0.13 -0.08 -0.21 -0.28
Non-Cash Adjustments to Reconcile Net Income		 -0.35 -5.65 1.38 3.64 33 0.99 -6.48 0.07 -0.37 14 -1.43
Changes in Operating Assets and Liabilities, net		 1.65 -1.48 -0.97 -0.88 1.33 -0.75 -1.24 1.56 0.45 -2.43 -1.22
Net Cash From Investing Activities		 38 15 52 25 62 83 47 42 66 78 25
Net Cash From Continuing Investing Activities		 38 15 52 25 62 83 47 42 66 78 25
Purchase of Property, Leasehold Improvements and Equipment		 -0.32 -0.19 -0.14 -0.04 -0.09 -0.95 -0.29 -0.16 -0.28 -0.32 -0.27
Purchase of Investment Securities		 -258 251 51 - -10 -4.42 -15 33 -117 -25 -16
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.00 - - - 0.00
Sale and/or Maturity of Investments		 295 -235 0.62 25 73 89 62 8.49 183 103 41
Net Cash From Financing Activities		 -69 12 13 -59 -190 -17 -117 -98 -32 -62 -13
Net Cash From Continuing Financing Activities		 -69 12 13 -59 -190 -17 -117 -98 -32 -62 -13
Net Change in Deposits		 -66 160 13 -56 -211 26 -64 -25 26 -14 -1.14
Issuance of Preferred Equity		 - 15 2.69 0.67 1.36 4.97 0.52 - - - 0.00
Issuance of Common Equity		 0.30 0.53 0.50 0.13 0.10 0.10 0.47 0.20 0.20 0.25 0.25
Repayment of Debt		 10 -310 0.00 - -16 -35 -50 -100 -25 -46 -10
Payment of Dividends		 -2.76 -2.76 -3.04 -3.04 -3.09 -3.10 -3.16 -3.15 -3.12 -3.13 -1.86
Cash Interest Paid		 23 26 26 26 26 24 23 20 21 17 18
Cash Income Taxes Paid		 3.80 5.71 0.98 1.45 1.00 3.45 0.39 -0.19 0.75 - 0.67

Annual Balance Sheets for BCB Bancorp, Inc. (NJ)

This table presents BCB Bancorp, Inc. (NJ)'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,618 1,708 1,943 2,675 2,907 2,821 2,968 3,546 3,832 3,599 3,279
Cash and Due from Banks		 12 12 16 19 25 23 9.61 12 17 14 14
Interest Bearing Deposits at Other Banks		 121 53 108 176 525 238 402 218 263 303 263
Time Deposits Placed and Other Short-Term Investments		 1.24 0.98 0.98 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74
Trading Account Securities		 12 99 116 128 95 121 111 110 98 111 136
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 16 19 19 20 20 15 12 11 13 13 12
Intangible Assets		 - - - 5.60 5.55 5.49 5.43 5.38 5.25 5.25 5.25
Other Assets		 37 39 40 46 57 122 121 3,190 3,436 3,152 2,849
Total Liabilities & Shareholders' Equity		 1,618 1,708 1,943 2,675 2,907 2,821 2,968 3,546 3,832 3,599 3,279
Total Liabilities		 1,485 1,577 1,766 2,475 2,668 2,572 2,694 3,255 3,518 3,275 2,975
Non-Interest Bearing Deposits		 131 184 201 264 272 402 588 614 536 520 531
Interest Bearing Deposits		 1,143 1,208 1,368 1,917 2,090 1,916 1,973 2,198 2,443 2,230 2,142
Long-Term Debt		 204 159 189 282 283 228 109 420 510 498 278
Other Long-Term Liabilities		 6.81 5.80 7.89 11 23 26 23 24 29 26 23
Total Equity & Noncontrolling Interests		 134 131 176 200 239 249 274 291 314 324 304
Total Preferred & Common Equity		 134 131 176 200 239 249 274 291 314 324 304
Preferred Stock		 0.00 15 13 20 0.00 26 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 134 116 163 181 239 223 274 291 314 324 304
Common Stock		 120 120 164 176 190 192 194 196 199 201 203
Retained Earnings		 27 28 31 38 48 58 81 115 136 142 116
Treasury Stock		 -29 -29 -29 -28 -22 -27 -31 -35 -38 -38 -38
Accumulated Other Comprehensive Income / (Loss)		 -1.60 -3.86 -3.14 -5.08 -2.22 -0.21 1.13 -6.49 -7.49 -5.24 -2.46
Other Equity Adjustments		 17 - - - 25 - 29 21 25 25 25

Quarterly Balance Sheets for BCB Bancorp, Inc. (NJ)

This table presents BCB Bancorp, Inc. (NJ)'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,812 3,849 3,794 3,614 3,474 3,380 3,353 3,269
Cash and Due from Banks		 17 12 11 13 12 12 13 13
Interest Bearing Deposits at Other Banks		 235 341 316 231 241 195 237 281
Time Deposits Placed and Other Short-Term Investments		 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74
Trading Account Securities		 95 96 130 109 126 141 125 143
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 13 13 12 12 12 12 12 12
Intangible Assets		 5.29 5.25 5.25 5.25 5.25 5.25 5.25 5.25
Other Assets		 160 3,382 3,319 3,244 3,077 3,015 2,960 2,814
Total Liabilities & Shareholders' Equity		 3,812 3,849 3,794 3,614 3,474 3,380 3,353 3,269
Total Liabilities		 3,508 3,529 3,473 3,286 3,159 3,065 3,035 2,962
Non-Interest Bearing Deposits		 524 531 524 528 543 539 537 521
Interest Bearing Deposits		 2,296 2,461 2,411 2,196 2,144 2,122 2,150 2,151
Long-Term Debt		 660 511 511 533 449 379 324 268
Other Long-Term Liabilities		 29 27 27 28 24 24 23 21
Total Equity & Noncontrolling Interests		 304 320 321 328 315 316 318 307
Total Preferred & Common Equity		 304 320 321 328 315 316 318 307
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 304 320 321 328 315 316 318 307
Common Stock		 198 200 200 201 202 202 203 204
Retained Earnings		 133 139 138 142 130 131 132 119
Treasury Stock		 -38 -38 -38 -38 -38 -38 -38 -38
Accumulated Other Comprehensive Income / (Loss)		 -9.63 -7.62 -7.80 -5.68 -4.27 -4.10 -2.96 -2.80
Other Equity Adjustments		 21 28 28 30 25 25 25 25

Annual Metrics And Ratios for BCB Bancorp, Inc. (NJ)

This table displays calculated financial ratios and metrics derived from BCB Bancorp, Inc. (NJ)'s official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 10,841,627.00 11,254,103.00 15,031,691.00 15,801,875.00 16,478,735.00 17,081,191.00 17,033,147.00 16,891,520.00 16,848,006.00 - 17,228,206.00
DEI Adjusted Shares Outstanding		 10,841,627.00 11,254,103.00 15,031,691.00 15,801,875.00 16,478,735.00 17,081,191.00 17,033,147.00 16,891,520.00 16,848,006.00 - 17,228,206.00
DEI Earnings Per Adjusted Shares Outstanding		 0.65 0.71 0.66 1.06 1.28 1.22 2.01 2.70 1.75 - -0.73
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 12.50% 1.00% 13.38% 23.46% 2.75% 5.57% 14.20% 8.91% -6.40% -12.20% 6.99%
EBITDA Growth		 1.59% 2.48% 53.31% 13.13% 25.43% -1.08% 69.03% 26.29% -35.84% -35.16% -165.35%
EBIT Growth		 -6.28% 11.96% 52.42% 19.95% 25.15% -3.03% 64.01% 30.78% -34.31% -36.63% -169.65%
NOPAT Growth		 -7.38% 13.84% 24.73% 67.93% 25.48% -0.84% 64.17% 33.12% -35.31% -36.83% -168.78%
Net Income Growth		 -7.38% 13.84% 24.73% 67.93% 25.48% -0.84% 64.17% 33.12% -35.31% -36.83% -167.27%
EPS Growth		 -14.81% -8.70% 19.05% 34.67% 18.81% -5.00% 68.42% 34.38% -34.11% -41.76% -184.85%
Operating Cash Flow Growth		 71.02% -5.83% 190.48% 90.30% -39.37% 474.22% -67.07% -10.90% -14.02% 92.64% -46.97%
Free Cash Flow Firm Growth		 -154.91% 154.34% -227.98% -120.86% 81.59% 455.02% 96.33% -319.55% 70.26% 124.85% 987.63%
Invested Capital Growth		 27.24% -8.13% 17.85% 32.01% 8.18% -8.56% -19.77% 85.64% 15.96% -0.27% -29.16%
Revenue Q/Q Growth		 3.23% 0.07% 3.46% 5.12% -1.38% 6.17% 1.21% 3.11% -3.65% -4.06% 3.08%
EBITDA Q/Q Growth		 -4.70% 16.89% 8.11% 7.38% -1.25% 11.47% 11.53% 0.16% -14.90% -12.32% -475.35%
EBIT Q/Q Growth		 -7.19% 20.62% 9.26% 8.15% -1.02% 10.89% 11.14% 1.07% -14.54% -13.34% -590.96%
NOPAT Q/Q Growth		 -8.06% 22.16% -10.20% 30.17% -0.47% 11.64% 11.22% 2.98% -16.93% -13.03% -561.74%
Net Income Q/Q Growth		 -8.06% 22.16% -10.20% 30.17% -0.47% 11.64% 11.22% 2.98% -16.93% -13.03% -551.59%
EPS Q/Q Growth		 -14.81% 31.25% -17.58% 38.36% -3.23% 12.87% 10.98% 3.20% -16.26% -15.38% -1,500.00%
Operating Cash Flow Q/Q Growth		 -45.36% 108.79% 49.24% 92.26% -41.50% 779.93% -72.33% -10.27% -17.51% 11.75% 12.73%
Free Cash Flow Firm Q/Q Growth		 19.27% 29.19% -164.62% 42.88% -161.62% 317.82% -14.91% -308.58% 78.80% -83.14% 2.24%
Invested Capital Q/Q Growth		 8.11% 6.44% 14.35% -5.02% -2.65% -11.47% -8.56% 33.59% -14.47% -4.57% -9.32%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.36% 22.68% 30.67% 28.11% 34.31% 32.15% 47.58% 55.17% 37.82% 27.93% -17.06%
EBIT Margin		 19.55% 21.67% 29.14% 28.31% 34.48% 31.67% 45.49% 54.62% 38.33% 27.66% -18.01%
Profit (Net Income) Margin		 11.61% 13.08% 14.39% 19.57% 23.90% 22.45% 32.28% 39.45% 27.26% 19.61% -12.33%
Tax Burden Percent		 59.35% 60.35% 49.38% 69.14% 69.32% 70.89% 70.95% 72.22% 71.12% 70.89% 68.46%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 40.65% 39.65% 50.62% 30.86% 30.68% 29.11% 29.05% 27.78% 28.88% 29.11% 0.00%
Return on Invested Capital (ROIC)		 2.33% 2.47% 2.95% 3.95% 4.19% 4.17% 7.96% 8.33% 3.84% 2.26% -1.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.33% 2.47% 2.95% 3.95% 4.19% 4.17% 7.96% 8.33% 3.84% 2.26% -1.75%
Return on Net Nonoperating Assets (RNNOA)		 3.63% 3.58% 3.54% 4.95% 5.38% 4.36% 5.13% 7.79% 5.90% 3.58% -2.16%
Return on Equity (ROE)		 5.96% 6.05% 6.49% 8.90% 9.57% 8.54% 13.09% 16.13% 9.74% 5.84% -3.99%
Cash Return on Invested Capital (CROIC)		 -21.64% 10.95% -13.43% -23.64% -3.67% 13.11% 29.90% -51.63% -10.94% 2.53% 32.31%
Operating Return on Assets (OROA)		 0.81% 0.80% 1.11% 1.05% 1.09% 1.03% 1.67% 1.94% 1.12% 0.71% -0.53%
Return on Assets (ROA)		 0.48% 0.48% 0.55% 0.73% 0.75% 0.73% 1.18% 1.40% 0.80% 0.50% -0.36%
Return on Common Equity (ROCE)		 5.96% 5.70% 5.89% 8.12% 9.14% 8.09% 12.44% 16.13% 9.74% 5.84% -3.99%
Return on Equity Simple (ROE_SIMPLE)		 5.26% 6.11% 5.66% 8.37% 8.78% 8.37% 12.50% 15.65% 9.39% 5.75% -4.12%
Net Operating Profit after Tax (NOPAT)		 7.03 8.00 9.98 17 21 21 34 46 29 19 -13
NOPAT Margin		 11.61% 13.08% 14.39% 19.57% 23.90% 22.45% 32.28% 39.45% 27.26% 19.61% -12.61%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.07%
SG&A Expenses to Revenue		 61.34% 61.53% 50.69% 47.83% 48.45% 47.66% 41.80% 39.49% 45.75% 48.76% 50.05%
Operating Expenses to Revenue		 76.68% 78.28% 67.82% 65.70% 63.17% 58.17% 50.88% 48.04% 56.03% 60.15% 76.66%
Earnings before Interest and Taxes (EBIT)		 12 13 20 24 30 29 48 63 41 26 -18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 14 21 24 30 30 50 64 41 27 -17
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.56 0.89 0.98 0.70 0.75 0.71 0.84 0.92 0.60 0.61 0.45
Price to Tangible Book Value (P/TBV)		 0.56 0.89 0.98 0.72 0.77 0.73 0.86 0.94 0.61 0.62 0.46
Price to Revenue (P/Rev)		 1.24 1.68 2.30 1.47 2.05 1.71 2.18 2.33 1.74 2.09 1.36
Price to Earnings (P/E)		 12.31 14.56 17.01 7.95 9.18 8.14 6.98 6.00 6.54 11.85 0.00
Dividend Yield		 8.07% 6.12% 5.28% 7.04% 5.11% 6.01% 4.43% 4.02% 5.73% 5.48% 8.01%
Earnings Yield		 8.12% 6.87% 5.88% 12.57% 10.90% 12.29% 14.32% 16.66% 15.28% 8.44% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.43 0.75 0.65 0.48 0.00 0.32 0.00 0.64 0.51 0.46 0.24
Enterprise Value to Revenue (EV/Rev)		 2.40 3.78 3.41 2.71 0.00 1.63 0.00 3.97 3.87 3.99 1.36
Enterprise Value to EBITDA (EV/EBITDA)		 10.74 16.68 11.12 9.63 0.00 5.06 0.00 7.19 10.23 14.30 0.00
Enterprise Value to EBIT (EV/EBIT)		 12.28 17.46 11.70 9.56 0.00 5.14 0.00 7.26 10.10 14.44 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 20.70 28.92 23.69 13.83 0.00 7.25 0.00 10.06 14.19 20.36 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 18.92 31.97 11.24 5.79 0.00 1.08 0.00 11.21 11.90 5.60 3.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 6.53 0.00 0.00 0.00 2.31 0.00 0.00 0.00 18.17 0.61
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.53 1.37 1.07 1.41 1.18 0.92 0.40 1.44 1.63 1.54 0.91
Long-Term Debt to Equity		 1.53 1.21 1.07 1.41 1.18 0.92 0.40 1.44 1.63 1.54 0.91
Financial Leverage		 1.56 1.45 1.20 1.25 1.29 1.05 0.64 0.94 1.54 1.58 1.24
Leverage Ratio		 12.38 12.57 11.87 12.26 12.70 11.72 11.06 11.52 12.19 11.65 10.95
Compound Leverage Factor		 12.38 12.57 11.87 12.26 12.70 11.72 11.06 11.52 12.19 11.65 10.95
Debt to Total Capital		 60.45% 57.74% 51.73% 58.51% 54.13% 47.80% 28.46% 59.04% 61.91% 60.60% 47.76%
Short-Term Debt to Total Capital		 0.00% 6.45% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 60.45% 51.30% 51.73% 58.51% 54.13% 47.80% 28.46% 59.04% 61.91% 60.60% 47.76%
Preferred Equity to Total Capital		 0.00% 4.99% 3.62% 4.08% 0.00% 5.39% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 39.55% 37.27% 44.65% 37.40% 45.87% 46.81% 71.54% 40.96% 38.09% 39.40% 52.24%
Debt to EBITDA		 15.07 12.91 8.89 11.73 9.36 7.64 2.16 6.58 12.48 18.79 -16.05
Net Debt to EBITDA		 5.19 8.15 3.00 3.59 -8.89 -1.13 -6.01 2.98 5.63 6.80 -0.05
Long-Term Debt to EBITDA		 15.07 11.47 8.89 11.73 9.36 7.64 2.16 6.58 12.48 18.79 -16.05
Debt to NOPAT		 29.04 22.38 18.95 16.85 13.44 10.94 3.18 9.21 17.31 26.76 -21.72
Net Debt to NOPAT		 9.99 14.13 6.40 5.15 -12.76 -1.62 -8.86 4.16 7.81 9.68 -0.07
Long-Term Debt to NOPAT		 29.04 19.88 18.95 16.85 13.44 10.94 3.18 9.21 17.31 26.76 -21.72
Noncontrolling Interest Sharing Ratio		 0.00% 5.84% 9.33% 8.75% 4.48% 5.26% 4.92% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -65 35 -45 -100 -18 66 129 -282 -84 21 227
Operating Cash Flow to CapEx		 214.72% 169.98% 1,102.41% 3,039.33% 1,149.55% 0.00% 0.00% 7,893.63% 776.63% 5,546.85% 3,430.66%
Free Cash Flow to Firm to Interest Expense		 -4.71 2.18 -2.89 -3.66 -0.45 1.98 8.47 -16.14 -1.00 0.20 2.84
Operating Cash Flow to Interest Expense		 0.55 0.44 1.34 1.46 0.59 4.22 3.02 2.34 0.42 0.66 0.45
Operating Cash Flow Less CapEx to Interest Expense		 0.30 0.18 1.22 1.41 0.54 4.45 3.28 2.31 0.36 0.65 0.44
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 4.04 3.49 3.64 4.39 4.38 5.28 7.71 10.16 9.18 7.41 8.25
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 338 310 366 483 522 477 383 711 824 822 582
Invested Capital Turnover		 0.20 0.19 0.21 0.20 0.18 0.19 0.25 0.21 0.14 0.12 0.14
Increase / (Decrease) in Invested Capital		 72 -27 55 117 39 -45 -94 328 113 -2.24 -240
Enterprise Value (EV)		 145 231 236 232 -88 151 -72 458 419 379 139
Market Capitalization		 75 103 159 126 181 159 231 269 188 199 138
Book Value per Share		 $12.32 $10.27 $10.86 $11.42 $14.53 $13.08 $16.09 $17.24 $18.64 $19.00 $17.66
Tangible Book Value per Share		 $12.32 $10.27 $10.86 $11.07 $14.20 $12.76 $15.77 $16.92 $18.33 $18.69 $17.36
Total Capital		 338 310 366 483 522 477 383 711 824 822 582
Total Debt		 204 179 189 282 283 228 109 420 510 498 278
Total Long-Term Debt		 204 159 189 282 283 228 109 420 510 498 278
Net Debt		 70 113 64 86 -268 -34 -303 190 230 180 0.89
Capital Expenditures (CapEx)		 3.58 4.26 1.91 1.32 2.11 -7.45 -3.86 0.52 4.53 1.22 1.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.28
Net Nonoperating Obligations (NNO)		 204 179 189 282 283 228 109 420 510 498 278
Total Depreciation and Amortization (D&A)		 1.70 0.62 1.06 -0.18 -0.15 0.44 2.22 0.64 -0.56 0.25 0.97
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.69 $0.63 $0.76 $1.02 $1.20 $1.14 $1.94 $2.64 $1.71 $0.99 ($0.84)
Adjusted Weighted Average Basic Shares Outstanding		 8.85M 11.24M 12.40M 15.57M 16.37M 17.21M 17.06M 16.97M 16.87M 17.01M 17.19M
Adjusted Diluted Earnings per Share		 $0.69 $0.63 $0.75 $1.01 $1.20 $1.14 $1.92 $2.58 $1.70 $0.99 ($0.84)
Adjusted Weighted Average Diluted Shares Outstanding		 8.88M 11.25M 12.51M 15.66M 16.42M 17.23M 17.24M 17.35M 16.93M 17.02M 17.19M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.22M 11.29M 15.06M 16.40M 17.51M 17.12M 16.98M 16.94M 16.96M 17.16M 17.36M
Normalized Net Operating Profit after Tax (NOPAT)		 7.03 8.00 15 18 21 22 35 46 29 19 -13
Normalized NOPAT Margin		 11.61% 13.08% 21.21% 21.52% 23.90% 23.33% 33.34% 39.45% 27.26% 19.61% -12.61%
Pre Tax Income Margin		 19.55% 21.67% 29.14% 28.31% 34.48% 31.67% 45.49% 54.62% 38.33% 27.66% -18.01%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.85 0.81 1.29 0.88 0.74 0.89 3.18 3.61 0.49 0.26 -0.23
NOPAT to Interest Expense		 0.51 0.49 0.64 0.61 0.51 0.63 2.26 2.61 0.35 0.18 -0.16
EBIT Less CapEx to Interest Expense		 0.60 0.55 1.17 0.84 0.69 1.12 3.43 3.58 0.44 0.25 -0.24
NOPAT Less CapEx to Interest Expense		 0.25 0.23 0.51 0.56 0.46 0.86 2.51 2.58 0.30 0.17 -0.17
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 76.50% 86.87% 71.71% 55.81% 47.83% 50.46% 31.94% 24.52% 37.79% 65.92% -100.21%
Augmented Payout Ratio		 76.50% 86.95% 71.84% 55.81% 47.83% 73.81% 44.22% 31.99% 50.73% 65.92% -100.21%

Quarterly Metrics And Ratios for BCB Bancorp, Inc. (NJ)

This table displays calculated financial ratios and metrics derived from BCB Bancorp, Inc. (NJ)'s official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 16,788,483.00 16,848,006.00 16,957,391.00 16,957,391.00 17,029,354.00 - 17,162,627.00 17,162,627.00 17,194,299.00 17,228,206.00 17,358,931.00
DEI Adjusted Shares Outstanding		 16,788,483.00 16,848,006.00 16,957,391.00 16,957,391.00 17,029,354.00 - 17,162,627.00 17,162,627.00 17,194,299.00 17,228,206.00 17,358,931.00
DEI Earnings Per Adjusted Shares Outstanding		 0.40 0.36 0.35 0.17 0.39 - -0.49 0.21 0.25 -0.70 0.28
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -16.39% -13.10% -2.15% -27.40% -3.37% -14.80% -5.77% 23.39% 1.09% 13.12% 4.80%
EBITDA Growth		 -51.57% -45.85% -27.19% -65.70% 2.90% -44.07% -239.38% 28.79% -35.19% -464.09% 158.48%
EBIT Growth		 -50.29% -44.89% -26.52% -66.97% -0.69% -46.72% -240.63% 26.11% -37.92% -477.66% 156.36%
NOPAT Growth		 -49.89% -49.78% -27.63% -67.26% -0.64% -46.02% -239.73% 26.52% -36.08% -472.55% 159.83%
Net Income Growth		 -49.89% -49.78% -27.63% -67.26% -0.64% -46.02% -241.90% 26.52% -36.08% -467.63% 158.91%
EPS Growth		 -48.68% -48.53% -30.43% -72.00% -7.69% -51.43% -259.38% 28.57% -38.89% -529.41% 150.98%
Operating Cash Flow Growth		 -23.42% -91.79% -49.51% 0.22% 336.66% 1,067.32% -39.58% 27.16% -79.93% 52.09% 3.27%
Free Cash Flow Firm Growth		 -325.00% 66.00% 109.02% 123.63% 125.65% 105.13% 38.64% 7.16% 104.97% 4,026.26% 224.82%
Invested Capital Growth		 81.10% 15.96% -4.25% -13.37% -10.62% -0.27% -8.12% -16.48% -25.44% -29.16% -24.58%
Revenue Q/Q Growth		 -3.63% 0.24% -6.99% -19.19% 28.26% -11.62% 2.87% 5.81% 5.08% -1.10% -4.69%
EBITDA Q/Q Growth		 -23.07% -7.89% -2.39% -50.42% 130.82% -49.93% -343.24% 145.81% 16.15% -381.29% 139.07%
EBIT Q/Q Growth		 -21.85% -8.10% -3.80% -52.20% 135.00% -50.70% -353.94% 142.86% 15.68% -399.93% 137.89%
NOPAT Q/Q Growth		 -22.00% -9.67% -3.23% -51.98% 136.71% -50.93% -350.50% 143.48% 19.58% -386.01% 140.23%
Net Income Q/Q Growth		 -22.00% -9.67% -3.23% -51.98% 136.71% -50.93% -354.40% 142.82% 19.58% -382.24% 140.77%
EPS Q/Q Growth		 -22.00% -10.26% -8.57% -56.25% 157.14% -52.78% -400.00% 135.29% 22.22% -431.82% 135.62%
Operating Cash Flow Q/Q Growth		 22.93% -93.31% 1,142.58% -1.94% 435.57% -82.11% -35.68% 106.35% -15.47% 35.57% -56.32%
Free Cash Flow Firm Q/Q Growth		 23.45% 74.73% 139.80% 206.84% -16.88% -94.94% 974.57% 137.16% 59.00% 1.83% -15.41%
Invested Capital Q/Q Growth		 0.43% -14.47% 0.75% 0.09% 3.62% -4.57% -7.18% -9.01% -7.50% -9.32% -1.17%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.89% 31.14% 32.68% 20.05% 36.09% 20.44% -48.34% 20.93% 23.14% -65.80% 26.97%
EBIT Margin		 34.77% 31.88% 32.97% 19.51% 35.74% 19.93% -49.21% 19.93% 21.95% -66.55% 26.46%
Profit (Net Income) Margin		 24.78% 22.33% 23.23% 13.81% 25.48% 14.14% -34.98% 14.16% 16.11% -45.97% 19.66%
Tax Burden Percent		 71.26% 70.04% 70.45% 70.78% 71.29% 70.96% 71.09% 71.01% 73.41% 69.08% 74.31%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.74% 29.96% 29.55% 29.22% 28.71% 29.04% 0.00% 28.99% 26.59% 0.00% 25.69%
Return on Invested Capital (ROIC)		 3.72% 3.15% 2.94% 1.54% 2.76% 1.63% -4.04% 1.82% 2.11% -6.74% 3.02%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.72% 3.15% 2.94% 1.54% 2.76% 1.63% -4.07% 1.82% 2.11% -6.70% 3.02%
Return on Net Nonoperating Assets (RNNOA)		 5.77% 4.83% 5.15% 2.91% 5.22% 2.58% -6.15% 2.55% 2.80% -8.28% 3.48%
Return on Equity (ROE)		 9.49% 7.98% 8.09% 4.45% 7.98% 4.21% -10.19% 4.37% 4.91% -15.02% 6.50%
Cash Return on Invested Capital (CROIC)		 -52.96% -10.94% 7.55% 16.73% 13.56% 2.53% 9.02% 18.63% 29.52% 32.31% 28.13%
Operating Return on Assets (OROA)		 1.10% 0.93% 0.93% 0.51% 0.95% 0.51% -1.26% 0.55% 0.62% -1.97% 0.81%
Return on Assets (ROA)		 0.79% 0.65% 0.66% 0.36% 0.68% 0.36% -0.89% 0.39% 0.46% -1.36% 0.60%
Return on Common Equity (ROCE)		 9.49% 7.98% 8.09% 4.45% 7.98% 4.21% -10.19% 4.37% 4.91% -15.02% 6.50%
Return on Equity Simple (ROE_SIMPLE)		 11.69% 0.00% 8.51% 6.69% 6.53% 0.00% 1.41% 1.64% 0.87% 0.00% 0.23%
Net Operating Profit after Tax (NOPAT)		 6.71 6.06 5.87 2.82 6.67 3.27 -8.20 3.56 4.26 -12 4.90
NOPAT Margin		 24.78% 22.33% 23.23% 13.81% 25.48% 14.14% -34.44% 14.16% 16.11% -46.59% 19.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.03% 0.00% 0.00% -0.04% 0.00%
SG&A Expenses to Revenue		 45.23% 46.79% 46.31% 56.09% 44.30% 50.00% 51.05% 49.56% 49.96% 49.70% 53.23%
Operating Expenses to Revenue		 57.09% 61.02% 58.76% 68.55% 53.22% 62.11% 61.61% 60.64% 62.63% 119.95% 62.36%
Earnings before Interest and Taxes (EBIT)		 9.42 8.66 8.33 3.98 9.35 4.61 -12 5.02 5.81 -17 6.60
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.18 8.46 8.25 4.09 9.45 4.73 -12 5.27 6.12 -17 6.73
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.54 0.60 0.49 0.53 0.60 0.61 0.50 0.46 0.47 0.45 0.51
Price to Tangible Book Value (P/TBV)		 0.55 0.61 0.50 0.54 0.61 0.62 0.51 0.47 0.48 0.46 0.52
Price to Revenue (P/Rev)		 1.47 1.74 1.45 1.70 1.99 2.09 1.69 1.47 1.51 1.36 1.52
Price to Earnings (P/E)		 4.75 6.54 5.94 8.39 9.90 11.85 61.90 44.25 174.97 0.00 0.00
Dividend Yield		 6.51% 5.73% 6.95% 6.39% 5.54% 5.48% 6.95% 7.60% 7.37% 8.01% 6.24%
Earnings Yield		 21.06% 15.28% 16.83% 11.91% 10.10% 8.44% 1.62% 2.26% 0.57% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.59 0.51 0.38 0.42 0.56 0.46 0.46 0.45 0.35 0.24 0.23
Enterprise Value to Revenue (EV/Rev)		 5.10 3.87 2.91 3.53 4.91 3.99 3.78 3.21 2.26 1.36 1.26
Enterprise Value to EBITDA (EV/EBITDA)		 11.92 10.23 8.29 11.77 16.08 14.30 52.21 39.75 48.26 0.00 144.09
Enterprise Value to EBIT (EV/EBIT)		 11.81 10.10 8.16 11.61 16.04 14.44 56.63 43.39 59.79 0.00 12,968.32
Enterprise Value to NOPAT (EV/NOPAT)		 16.14 14.19 11.51 16.44 22.71 20.36 79.64 60.94 80.32 0.00 185.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.44 11.90 11.60 13.04 8.02 5.60 5.48 4.74 6.99 3.86 3.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.89 2.36 3.93 18.17 4.91 2.22 1.00 0.61 0.69
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.17 1.63 1.59 1.59 1.63 1.54 1.43 1.20 1.02 0.91 0.87
Long-Term Debt to Equity		 2.17 1.63 1.59 1.59 1.63 1.54 1.43 1.20 1.02 0.91 0.87
Financial Leverage		 1.55 1.54 1.75 1.89 1.89 1.58 1.51 1.40 1.33 1.24 1.15
Leverage Ratio		 12.07 12.19 12.32 12.36 11.75 11.65 11.54 11.27 10.78 10.95 10.84
Compound Leverage Factor		 12.07 12.19 12.32 12.36 11.75 11.65 11.54 11.27 10.78 10.95 10.84
Debt to Total Capital		 68.50% 61.91% 61.46% 61.42% 61.92% 60.60% 58.77% 54.54% 50.43% 47.76% 46.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 68.50% 61.91% 61.46% 61.42% 61.92% 60.60% 58.77% 54.54% 50.43% 47.76% 46.60%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 31.50% 38.09% 38.54% 38.58% 38.08% 39.40% 41.23% 45.47% 49.57% 52.24% 53.40%
Debt to EBITDA		 13.74 12.48 13.50 17.04 17.64 18.79 66.32 47.69 70.16 -16.05 298.08
Net Debt to EBITDA		 8.48 5.63 4.16 6.11 9.58 6.80 28.84 21.55 15.94 -0.05 -29.11
Long-Term Debt to EBITDA		 13.74 12.48 13.50 17.04 17.64 18.79 66.32 47.69 70.16 -16.05 298.08
Debt to NOPAT		 18.60 17.31 18.74 23.80 24.91 26.76 101.18 73.11 116.77 -21.72 382.70
Net Debt to NOPAT		 11.49 7.81 5.78 8.53 13.52 9.68 44.00 33.04 26.52 -0.07 -37.38
Long-Term Debt to NOPAT		 18.60 17.31 18.74 23.80 24.91 26.76 101.18 73.11 116.77 -21.72 382.70
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -425 -107 43 131 109 5.52 59 141 223 228 192
Operating Cash Flow to CapEx		 3,134.59% 347.40% 5,920.00% 20,317.50% 48,905.62% 817.86% 1,720.96% 6,624.36% 3,119.64% 3,700.63% 1,944.36%
Free Cash Flow to Firm to Interest Expense		 -18.17 -4.17 1.64 5.08 4.26 0.23 2.67 7.00 11.56 12.42 10.96
Operating Cash Flow to Interest Expense		 0.43 0.03 0.32 0.31 1.70 0.32 0.23 0.51 0.45 0.65 0.29
Operating Cash Flow Less CapEx to Interest Expense		 0.41 0.02 0.31 0.31 1.70 0.28 0.21 0.51 0.44 0.63 0.28
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 9.32 9.18 9.42 7.71 7.80 7.41 7.42 7.99 8.16 8.25 8.42
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 964 824 831 831 862 822 763 694 642 582 576
Invested Capital Turnover		 0.15 0.14 0.13 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.15
Increase / (Decrease) in Invested Capital		 432 113 -37 -128 -102 -2.24 -67 -137 -219 -240 -188
Enterprise Value (EV)		 573 419 314 353 486 379 353 316 223 139 130
Market Capitalization		 165 188 156 170 197 199 158 145 149 138 156
Book Value per Share		 $18.09 $18.64 $18.88 $18.91 $19.27 $19.00 $18.34 $18.40 $18.52 $17.66 $17.71
Tangible Book Value per Share		 $17.77 $18.33 $18.57 $18.60 $18.96 $18.69 $18.03 $18.09 $18.22 $17.36 $17.40
Total Capital		 964 824 831 831 862 822 763 694 642 582 576
Total Debt		 660 510 511 511 533 498 449 379 324 278 268
Total Long-Term Debt		 660 510 511 511 533 498 449 379 324 278 268
Net Debt		 408 230 157 183 290 180 195 171 74 0.89 -26
Capital Expenditures (CapEx)		 0.32 0.19 0.14 0.04 0.09 0.95 0.29 0.16 0.28 0.32 0.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.00 0.00 -0.16 0.00
Net Nonoperating Obligations (NNO)		 660 510 511 511 533 498 449 379 324 278 268
Total Depreciation and Amortization (D&A)		 -0.24 -0.20 -0.07 0.11 0.09 0.12 0.21 0.25 0.32 0.20 0.13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.39 $0.35 $0.32 $0.14 $0.36 $0.17 ($0.51) $0.18 $0.22 ($0.73) $0.26
Adjusted Weighted Average Basic Shares Outstanding		 16.83M 16.87M 16.93M 17.01M 17.04M 17.01M 17.11M 17.18M 17.21M 17.19M 17.31M
Adjusted Diluted Earnings per Share		 $0.39 $0.35 $0.32 $0.14 $0.36 $0.17 ($0.51) $0.18 $0.22 ($0.73) $0.26
Adjusted Weighted Average Diluted Shares Outstanding		 16.85M 16.93M 16.94M 17.01M 17.06M 17.02M 17.11M 17.18M 17.21M 17.19M 17.31M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.85M 16.96M 16.96M 17.03M 17.05M 17.16M 17.16M 17.19M 17.23M 17.36M 17.36M
Normalized Net Operating Profit after Tax (NOPAT)		 6.71 6.06 5.87 2.82 6.67 3.27 -8.20 3.56 4.26 -12 4.90
Normalized NOPAT Margin		 24.78% 22.33% 23.23% 13.81% 25.48% 14.14% -34.44% 14.16% 16.11% -46.59% 19.66%
Pre Tax Income Margin		 34.77% 31.88% 32.97% 19.51% 35.74% 19.93% -49.21% 19.93% 21.95% -66.55% 26.46%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.40 0.34 0.32 0.15 0.37 0.19 -0.53 0.25 0.30 -0.95 0.38
NOPAT to Interest Expense		 0.29 0.24 0.22 0.11 0.26 0.13 -0.37 0.18 0.22 -0.67 0.28
EBIT Less CapEx to Interest Expense		 0.39 0.33 0.31 0.15 0.36 0.15 -0.54 0.24 0.29 -0.97 0.36
NOPAT Less CapEx to Interest Expense		 0.27 0.23 0.22 0.11 0.26 0.09 -0.38 0.17 0.21 -0.68 0.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.35% 37.79% 41.57% 54.06% 55.74% 65.92% 279.61% 241.37% 451.59% -100.21% 1,604.85%
Augmented Payout Ratio		 46.07% 50.73% 41.57% 54.06% 55.74% 65.92% 279.61% 241.37% 451.59% -100.21% 1,604.85%

Financials Breakdown Chart

Key Financial Trends

BCB Bancorp’s latest quarter shows a sharp rebound in profitability, but the balance sheet and financing mix still look very sensitive to funding costs and loan-related losses. In Q1 2026, the company earned $4.9 million in net income, or $0.26 per share, after posting a $12.0 million loss in Q4 2025. That turnaround was helped by stronger net interest income, lower operating expenses, and a much smaller credit loss burden than the prior quarter.

Revenue trends are mixed but improving. Total revenue in Q1 2026 came in at $24.9 million, down slightly from $26.2 million in Q4 2025, but the quality of earnings improved because non-interest expenses fell materially and credit costs normalized. Net interest income improved to $22.8 million from $22.4 million in the prior quarter, while non-interest income also recovered modestly.

Credit loss provisioning remains an important swing factor. BCB Bancorp recorded a $2.8 million provision for credit losses in Q1 2026, down sharply from $12.2 million in Q4 2025. That decline was a major reason profitability recovered. Even so, provisioning remains elevated relative to the company’s 2024 run-rate, so investors should keep an eye on asset quality and future reserve needs.

The bank’s funding structure continues to evolve. Total deposits fell modestly in Q1 2026, while long-term debt also declined after a $10.0 million repayment. At quarter-end, long-term debt stood at $268.3 million versus $323.9 million in Q3 2025 and $448.5 million in Q1 2025, indicating management has been reducing leverage over time. That said, debt still remains a meaningful funding source.

Liquidity looks adequate, with substantial cash and marketable assets. BCB Bancorp held $12.6 million in cash and due from banks, $281.1 million in interest-bearing deposits at other banks, and $143.1 million in trading account securities at the end of Q1 2026. The balance sheet also shows significant other assets, bringing total assets to $3.27 billion.

Operating cash flow was solid in Q1 2026. The company generated $5.2 million in operating cash flow and $17.2 million in net cash growth for the quarter. Investing cash flow was positive thanks to $40.6 million of sales and maturities of investments, though that was partly offset by new investment purchases.

Compared with 2024, earnings have been more volatile. In 2024, BCB Bancorp generally produced positive quarterly earnings, including $5.9 million in Q1 2024 and $6.7 million in Q3 2024. In 2025, however, results weakened significantly, with Q1 2025 showing an $8.3 million loss and Q4 2025 deepening to a $12.0 million loss. Q1 2026 therefore looks like a recovery quarter, but not yet proof of a stable trend.

  • Q1 2026 net income rebounded to $4.9 million, reversing the Q4 2025 loss and signaling improved quarterly profitability.
  • Net interest income improved to $22.8 million from $22.4 million in Q4 2025, showing modest core earnings growth.
  • Provision for credit losses fell sharply to $2.8 million from $12.2 million, easing pressure on earnings.
  • Non-interest expense dropped to $15.6 million from $31.4 million in Q4 2025, a major margin tailwind.
  • Operating cash flow remained positive at $5.2 million, supporting liquidity and capital flexibility.
  • Debt has trended down over time, with long-term debt falling to $268.3 million in Q1 2026 from $448.5 million in Q1 2025.
  • Total assets declined slightly to $3.27 billion from $3.35 billion in Q3 2025 and $3.47 billion in Q1 2025.
  • Deposits slipped modestly in Q1 2026, suggesting funding growth remains uneven.
  • Profitability has been highly volatile over the last several quarters, including losses in Q1 2025 and Q4 2025.
  • Credit costs remain a key risk, as provisions have been elevated and could rise again if asset quality weakens.

Bottom line: BCB Bancorp’s Q1 2026 results show meaningful improvement, but the turnaround still looks fragile. The bank benefited from lower expenses and lighter credit provisioning, while still carrying a large funding base and meaningful debt. For retail investors, the key question is whether Q1 2026 marks the start of a sustained recovery or just a temporary bounce after a difficult 2025.

07/06/26 08:43 PM ETAI Generated. May Contain Errors.

BCB Bancorp, Inc. (NJ) Financials - Frequently Asked Questions

According to the most recent income statement we have on file, BCB Bancorp, Inc. (NJ)'s fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

BCB Bancorp, Inc. (NJ)'s net income appears to be on an upward trend, with a most recent value of -$12.53 million in 2025, falling from $7.03 million in 2015. The previous period was $18.62 million in 2024. View BCB Bancorp, Inc. (NJ)'s forecast to see where analysts expect BCB Bancorp, Inc. (NJ) to go next.

Over the last 10 years, BCB Bancorp, Inc. (NJ)'s total revenue changed from $60.58 million in 2015 to $101.60 million in 2025, a change of 67.7%.

BCB Bancorp, Inc. (NJ)'s total liabilities were at $2.98 billion at the end of 2025, a 9.2% decrease from 2024, and a 100.4% increase since 2015.

In the past 10 years, BCB Bancorp, Inc. (NJ)'s cash and equivalents has ranged from $9.61 million in 2021 to $24.99 million in 2019, and is currently $13.79 million as of their latest financial filing in 2025.

Over the last 10 years, BCB Bancorp, Inc. (NJ)'s book value per share changed from 12.32 in 2015 to 17.66 in 2025, a change of 43.4%.


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Financial statements for NASDAQ:BCBP last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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