BCBP
BEARISH
$7.86
Live
BCB Bancorp, Inc. · NASDAQ
Target $9.5
(+20.9%)
$7.41
52W Range
$12.26
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$135.41M
P/E
131.0
ROE
0.9%
Profit margin
4.3%
Debt/Equity
N/A
Dividend yield
8.02%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
BCBP exhibits weak financial health with a Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score to confirm safety from distress. The stock trades at a significant premium to its Graham Number of $4.79, currently priced at $7.86, despite deteriorating fundamentals including negative earnings and revenue growth. Profitability metrics like ROE (0.86%) and ROA (0.08%) are extremely weak, while the dividend is unsustainable with a payout ratio exceeding 1000%. Although analysts recommend a 'buy' with a $9.50 target, the company's track record of earnings misses and declining performance raises serious concerns.
Key Strengths
High dividend yield of 8.02% may attract income-seeking investors
Price/Book ratio of 0.46 suggests potential asset-based downside protection
Forward P/E of 7.97 is below sector average, implying possible earnings recovery expectations
Recent Q/Q EPS growth of +22.2% shows short-term improvement
Analyst recommendation is 'buy' with upside potential to $9.50
Key Risks
Piotroski F-Score of 4 indicates weak financial health and elevated risk
Extremely high payout ratio (1066.67%) threatens dividend sustainability
Earnings growth down 39% YoY with volatile and declining trend
Revenue declining YoY (-3.90%) and inconsistent operating performance
Technical trend score of 0/100 signals strong bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$4.79
-39.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
33
Weak
42
35
30
32
28
AI Verdict
High risk, low quality, overvalued
Key drivers: Low Piotroski score, Unsustainable dividend, Negative growth trends, Overvaluation relative to Graham Number, Poor earnings surprise history
Confidence
88%
Value
42/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 7.97 is low
- P/B of 0.46 suggests asset coverage
Watchpoints
- Current P/E of 131.00 is extremely high
- Stock trades at 64% above Graham Number ($7.86 vs $4.79)
Future
35/100
Ref Growth rates
Positives
- Q/Q EPS growth turned positive (+22.2%)
Watchpoints
- YoY earnings down 39%
- Revenue growth negative (-3.90%)
- PEG ratio unavailable due to instability
Past
30/100
Ref Historical trends
Positives
- Some past earnings beats (e.g., +307.6% in 2020)
Watchpoints
- Last 4 quarters beat only once
- Average earnings surprise of -109.6%
- Consistent downward trend in EPS
Health
32/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- No reported debt (though D/E is N/A)
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- ROE of 0.86% and ROA of 0.08% are critically low
- Altman Z-Score not available, increasing uncertainty
Dividend
28/100
Ref Yield, Payout
Positives
- High yield of 8.02%
Watchpoints
- Payout ratio of 1066.67% is unsustainable
- Dividend strength score of 40/100 indicates high risk
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$7.86
Analyst Target
$9.5
Upside/Downside
+20.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BCBP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BCBP
BCB Bancorp, Inc.
Primary
|
-14.4% | -47.9% | -27.2% | -4.7% | -5.0% | +2.1% |
|
SCPQ
Social Commerce Partners Corporation
Peer
|
0.0% | 0.0% | 0.0% | 0.0% | +0.1% | +0.1% |
|
GRX
The Gabelli Healthcare & Wellness Trust
Peer
|
-2.9% | +7.6% | +2.6% | +2.6% | +1.8% | -0.4% |
|
HYI
Western Asset High Yield Opportunity Fund Inc.
Peer
|
+12.4% | +25.7% | +3.9% | -0.4% | +4.5% | -0.7% |
|
BCV
Bancroft Fund Ltd.
Peer
|
+16.5% | +78.7% | +56.1% | +8.4% | +8.0% | +0.5% |
BCB
BCB Bancorp, Inc.
Primary
5Y
-14.4%
3Y
-47.9%
1Y
-27.2%
6M
-4.7%
1M
-5.0%
1W
+2.1%
SCP
Social Commerce Partners Corporation
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
+0.1%
1W
+0.1%
GRX
The Gabelli Healthcare & Wellness Trust
Peer
5Y
-2.9%
3Y
+7.6%
1Y
+2.6%
6M
+2.6%
1M
+1.8%
1W
-0.4%
HYI
Western Asset High Yield Opportunity Fund Inc.
Peer
5Y
+12.4%
3Y
+25.7%
1Y
+3.9%
6M
-0.4%
1M
+4.5%
1W
-0.7%
BCV
Bancroft Fund Ltd.
Peer
5Y
+16.5%
3Y
+78.7%
1Y
+56.1%
6M
+8.4%
1M
+8.0%
1W
+0.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
131.0
Forward P/E
7.97
PEG Ratio
N/A
P/B Ratio
0.46
P/S Ratio
2.1
EV/Revenue
3.81
EV/EBITDA
N/A
Market Cap
$135.41M
Profitability
Profit margins and return metrics
Profit Margin
4.29%
Operating Margin
30.34%
Gross Margin
N/A
ROE
0.86%
ROA
0.08%
Growth
Revenue and earnings growth rates
Revenue Growth
-3.9%
Earnings Growth
-39.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-36.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$14.53
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-30
$N/A
2025-10-27
$0.22
+3.1% surprise
2025-07-28
$0.18
-3.6% surprise
2025-04-22
$-0.51
-328.4% surprise
Financial Services Sector Comparison
Comparing BCBP against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
131.0
This Stock
vs
36.01
Sector Avg
+263.8%
(Expensive)
Return on Equity (ROE)
0.86%
This Stock
vs
-0.73%
Sector Avg
-217.1%
(Below Avg)
Profit Margin
4.29%
This Stock
vs
91.62%
Sector Avg
-95.3%
(Weaker)
Revenue Growth
-3.9%
This Stock
vs
35.27%
Sector Avg
-111.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BCBP
BCB Bancorp, Inc.
|
BEARISH | $135.41M | 131.0 | 0.9% | 4.3% | $7.86 | |
|
SCPQ
Social Commerce Partners...
|
BEARISH | $135.46M | - | -% | -% | $9.9 | Compare |
|
GRX
The Gabelli Healthcare &...
|
BEARISH | $137.86M | 61.07 | -% | -% | $9.16 | Compare |
|
HYI
Western Asset High Yield...
|
BEARISH | $139.16M | 14.48 | -% | -% | $10.86 | Compare |
|
BCV
Bancroft Fund Ltd.
|
BULLISH | $139.23M | 3.24 | 27.2% | 916.6% | $23.91 | Compare |
BCBP
BCB Bancorp, Inc.
BEARISH
Mkt Cap
$135M
P/E
131.0
ROE
0.9%
Price
$7.86
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
3 analysts
Keefe, Bruyette & Woods
2025-10-28
Market Perform
Market Perform
Piper Sandler
2025-07-30
Neutral
Neutral
Keefe, Bruyette & Woods
2025-07-29
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BCBP from our newsroom.
Newest → oldest
No matching news yet.