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BCB Bancorp, Inc. operates as the bank holding company for BCB Community Bank that provides various 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, money market, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multifamily real estate, one-to-four family mortgage, commercial business, construction, home equity, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository, debit cards, online and mobile banking, fraud detection, and automated teller services. BCB Bancorp, Inc. was founded in 2000 and is based in Bayonne, New Jersey.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $102M | - | $-13M | $35M | -4.1% | 7.0% | -167.3% |
| 2024 | $95M | - | $19M | $67M | 5.7% | -12.2% | -36.8% |
| 2023 | $108M | - | $29M | $31M | 9.4% | -6.4% | -35.3% |
| 2022 | $116M | - | $46M | $40M | 15.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 115.54 | 108.15 | 94.96 | 101.60 |
| Pretax Income | 63.11 | 41.45 | 26.27 | -18.30 |
| Tax Provision | 17.53 | 11.97 | 7.65 | -5.77 |
| Net Income | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income Common Stockholders | 44.78 | 28.78 | 16.79 | -14.46 |
| Interest Expense | 17.50 | 84.30 | 101.99 | 79.92 |
| Interest Income | 128.31 | 174.66 | 177.38 | 161.19 |
| Selling General And Administration | 30.21 | 33.26 | 30.24 | 33.88 |
| Normalized Income | 45.58 | 29.43 | 18.62 | -12.53 |
| Basic EPS | 2.64 | 1.71 | 0.99 | -0.84 |
| Diluted EPS | 2.58 | 1.70 | 0.99 | -0.84 |
| Tax Effect Of Unusual Items | 0 | 0.02 | 0 | 0 |
| Tax Rate For Calcs | 0.28 | 0.29 | 0.29 | 0.32 |
| Total Unusual Items | 0 | 0.08 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | 0 | 0.08 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 45.58 | 29.48 | 18.62 | -12.53 |
| Reconciled Depreciation | 0.64 | -0.56 | 0.25 | 0.97 |
| Net Interest Income | 110.81 | 90.37 | 75.39 | 81.28 |
| Net Income From Continuing And Discontinued Operation | 45.58 | 29.48 | 18.62 | -12.53 |
| Diluted Average Shares | 17.35 | 16.93 | 17.02 | 17.19 |
| Basic Average Shares | 16.97 | 16.87 | 17.01 | 17.19 |
| Diluted NI Availto Com Stockholders | 44.78 | 28.78 | 16.79 | -14.46 |
| Preferred Stock Dividends | 0.80 | 0.70 | 1.83 | 1.93 |
| Net Income Including Noncontrolling Interests | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income Continuous Operations | 45.58 | 29.48 | 18.62 | -12.53 |
| Special Income Charges | 0 | 0 | 0 | 0 |
| Other Special Charges | 0 | 0 | 0 | 0 |
| Gain On Sale Of Security | -6.27 | -3.36 | 0.38 | -0.30 |
| Selling And Marketing Expense | 0.94 | 1.35 | 0.86 | 1.12 |
| General And Administrative Expense | 29.27 | 31.91 | 29.38 | 32.75 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Salaries And Wages | 29.27 | 31.91 | 29.38 | 32.75 |
| Operating Revenue | 115.54 | 108.15 | 94.96 | 101.60 |
| Occupancy And Equipment | 10.63 | 10.34 | 10.25 | 10.40 |
| Professional Expense And Contract Services Expense | 3.77 | 2.73 | 2.42 | 3.09 |
| Other Non Interest Expense | 10.90 | 14.26 | 14.21 | 30.51 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| BCB Bancorp, Inc.this co. | BCBP | $179M | - | 0.63 | -4.1% | - |
| CF Bankshares Inc. | CFBK | $191M | 10.90 | 1.02 | 9.5% | - |
| CB Financial Services, Inc. | CBFV | $182M | 27.60 | 1.15 | 3.1% | - |
| Eagle Bancorp Montana, Inc. | EBMT | $181M | 11.38 | 0.93 | 7.7% | - |
| First Capital, Inc. | FCAP | $179M | 10.25 |
| 1.30 |
| 11.9% |
| - |
| MainStreet Bancshares, Inc. | MNSB | $176M | 11.98 | 0.90 | 7.1% | - |
| BV Financial, Inc. | BVFL | $172M | 14.55 | 853.91 | 7.3% | - |
| Landmark Bancorp, Inc. | LARK | $167M | 8.93 | 1.04 | 11.7% | - |
| Finance of America Companies Inc. | FOA | $166M | 4.91 | 0.47 | 11.4% | - |
| Peer Median | - | 11.14 | 1.03 | 8.6% | - | |