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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% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 115.54 | 108.15 | 94.96 | 101.60 |
| Operating Revenue | - | 115.54 | 108.15 | 94.96 | 101.60 |
| Selling General And Administration | - | 30.22 | 33.26 | 30.24 | 33.88 |
| Interest Income | - | 128.31 | 174.66 | 177.38 | 161.19 |
| Interest Expense | - | 17.50 | 84.30 | 101.99 | 79.92 |
| Net Interest Income | - | 110.81 | 90.37 | 75.39 | 81.28 |
| Pretax Income | - | 63.11 | 41.46 | 26.27 | -18.30 |
| Tax Provision | - | 17.53 | 11.97 | 7.65 | -5.77 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0.02 | 0 | 0 |
| Net Income Continuous Operations | - | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income From Continuing And Discontinued Operation | - | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income From Continuing Operation Net Minority Interest | - | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income | - | 45.58 | 29.48 | 18.62 | -12.53 |
| Net Income Common Stockholders | - | 44.78 | 28.78 | 16.79 | -14.46 |
| Net Income Including Noncontrolling Interests | - | 45.58 | 29.48 | 18.62 | -12.53 |
| Normalized Income | - | 45.58 | 29.43 | 18.62 | -12.53 |
| Diluted NI Availto Com Stockholders | - | 44.78 | 28.78 | 16.79 | -14.46 |
| Basic Average Shares | - | 16.97 | 16.87 | 17.01 | 17.19 |
| Diluted Average Shares | - | 17.35 | 16.93 | 17.02 | 17.19 |
| Reconciled Depreciation | - | 0.64 | -0.56 | 0.25 | 0.97 |
| Total Unusual Items | - | 0 | 0.08 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | - | 0 | 0.08 | 0 | 0 |
| Preferred Stock Dividends | - | 0.80 | 0.70 | 1.83 | 1.93 |
| Special Income Charges | -1.23 | 0 | 0 | - | - |
| Other Special Charges | -0.37 | - | - | - | - |
| Gain On Sale Of Security | - | -6.27 | -3.36 | 0.38 | -0.30 |
| General And Administrative Expense | - | 29.27 | 31.91 | 29.38 | 32.75 |
| Other Gand A | 7.33 | - | - | - | - |
| Salaries And Wages | - | 29.27 | 31.91 | 29.38 | 32.75 |
| Selling And Marketing Expense | - | 0.94 | 1.35 | 0.86 | 1.12 |
| Occupancy And Equipment | - | 10.63 | 10.34 | 10.25 | 10.40 |
| Professional Expense And Contract Services Expense | - | 3.77 | 2.74 | 2.42 | 3.09 |
| Other Non Interest Expense | - | 10.90 | 14.26 | 14.22 | 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 | $197M | -15.70 | 0.65 | -4.1% | - |
| First Capital, Inc. | FCAP | $210M | 12.81 | 1.52 | 11.9% | - |
| OP Bancorp | OPBK | $209M | 8.16 | 0.92 | 11.2% | - |
| CPI Card Group Inc. | PMTS | $203M | 13.59 | -11.73 | -86.3% | 6.22 |
| Consumer Portfolio Services, Inc. | CPSS | $200M | 10.37 |
| - |
| - |
| - |
| - |
| 0.65 |
| 6.2% |
| - |
| Citizens Community Bancorp, Inc. | CZWI | $198M | 13.74 | 1.05 | 7.7% | - |
| FinWise Bancorp | FINW | $198M | 12.28 | 1.02 | 8.3% | - |
| CF Bankshares Inc. | CFBK | $187M | 10.68 | 1.02 | 9.5% | - |
| James River Group Holdings, Inc. | JRVR | $183M | 4.63 | 0.27 | 5.9% | - |
| Peer Median | - | 11.48 | 0.97 | 8.0% | 6.22 | |