Bcb Bancorp Financials
This page shows Bcb Bancorp (BCBP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Bcb Bancorp's revenue grew a modest 3.0% year-over-year to $194.0M. This slow but positive growth earns a score of 37/100.
Bcb Bancorp has elevated debt relative to equity (D/E of 10.11), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Bcb Bancorp converts 34.3% of revenue into free cash flow ($66.5M). This strong cash generation earns a score of 100/100.
Bcb Bancorp generates a 5.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 9.4% the prior year.
Bcb Bancorp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Bcb Bancorp generates $3.64 in operating cash flow ($67.7M OCF vs $18.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Bcb Bancorp generated $194.0M in revenue in fiscal year 2024. This represents an increase of 3.0% from the prior year.
Bcb Bancorp generated $66.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 117.1% from the prior year.
Bcb Bancorp reported $18.6M in net income in fiscal year 2024. This represents a decrease of 36.8% from the prior year.
Bcb Bancorp earned $0.99 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 41.8% from the prior year.
Bcb Bancorp held $317.3M in cash against $0 in long-term debt as of fiscal year 2024.
Bcb Bancorp paid $0.64 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Bcb Bancorp had 17M shares outstanding in fiscal year 2024. This represents an increase of 0.9% from the prior year.
Bcb Bancorp's net profit margin was 9.6% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.0 percentage points from the prior year.
Bcb Bancorp's ROE was 5.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the prior year.
Bcb Bancorp invested $1.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 72.9% from the prior year.
BCBP Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $43.0M-0.3% | $43.2M-2.3% | $44.2M-5.3% | $46.7M-5.6% | $49.4M+0.3% | $49.3M-0.8% | $49.7M+1.3% | $49.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $19.3M-3.7% | $20.1M-9.5% | $22.2M-9.3% | $24.5M-5.2% | $25.8M-1.3% | $26.1M+1.4% | $25.8M+10.2% | $23.4M |
| Income Tax | $1.5M+6.1% | $1.5M+143.0% | -$3.4M-352.8% | $1.3M+15.1% | $1.2M-52.7% | $2.5M-5.1% | $2.6M-4.2% | $2.7M |
| Net Income | $4.3M+19.6% | $3.6M+142.8% | -$8.3M-354.4% | $3.3M+16.2% | $2.8M-52.0% | $5.9M-3.2% | $6.1M-9.7% | $6.7M |
| EPS (Diluted) | $0.22+22.2% | $0.18+135.3% | $-0.51-400.0% | $0.17+21.4% | $0.14-56.3% | $0.32-8.6% | $0.35-10.3% | $0.39 |
BCBP Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.4B-0.8% | $3.4B-2.7% | $3.5B-3.5% | $3.6B-5.1% | $3.8B-1.4% | $3.8B+0.4% | $3.8B+0.5% | $3.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $249.6M+20.7% | $206.9M-18.2% | $252.8M-20.3% | $317.3M-2.9% | $326.9M-7.3% | $352.4M+26.1% | $279.5M+11.0% | $251.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $5.2M |
| Total Liabilities | $3.0B-1.0% | $3.1B-3.0% | $3.2B-3.5% | $3.3B-5.7% | $3.5B-1.6% | $3.5B+0.3% | $3.5B+0.3% | $3.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $318.5M+0.9% | $315.7M+0.3% | $314.7M-2.8% | $323.9M+1.0% | $320.7M+0.2% | $320.1M+1.9% | $314.1M+3.4% | $303.6M |
| Retained Earnings | $131.7M+0.8% | $130.6M+0.3% | $130.3M-8.2% | $141.9M+2.6% | $138.3M-0.2% | $138.6M+2.0% | $135.9M+2.4% | $132.7M |
BCBP Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.7M-15.5% | $10.3M+106.3% | $5.0M-35.7% | $7.8M-4.2% | $8.1M-1.9% | $8.3M+1142.6% | $667K-93.3% | $10.0M |
| Capital Expenditures | $280K+79.5% | $156K-46.4% | $291K-69.4% | $952K+2280.0% | $40K-72.2% | $144K-25.0% | $192K-39.6% | $318K |
| Free Cash Flow | $8.5M-16.9% | $10.2M+115.8% | $4.7M-31.0% | $6.8M-15.5% | $8.1M-0.7% | $8.1M+1614.5% | $475K-95.1% | $9.7M |
| Investing Cash Flow | $66.1M+58.5% | $41.7M-11.3% | $47.0M-43.7% | $83.5M+234.4% | $25.0M-51.9% | $51.9M+237.4% | $15.4M-59.1% | $37.6M |
| Financing Cash Flow | -$32.1M+67.3% | -$97.9M+16.0% | -$116.5M-581.1% | -$17.1M+70.8% | -$58.7M-561.0% | $12.7M+10.1% | $11.6M+116.8% | -$68.8M |
| Dividends Paid | $2.6M-1.2% | $2.7M-0.4% | $2.7M+2.1% | $2.6M+1.1% | $2.6M-0.5% | $2.6M+1.2% | $2.6M-0.3% | $2.6M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0 | $0 |
BCBP Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 9.9%+1.7pp | 8.3%+27.1pp | -18.8%-25.9pp | 7.0%+1.3pp | 5.7%-6.2pp | 11.9%-0.3pp | 12.2%-1.5pp | 13.7% |
| Return on Equity | 1.3%+0.2pp | 1.1% | N/A | 1.0%+0.1pp | 0.9%-0.9pp | 1.8%-0.1pp | 1.9%-0.3pp | 2.2% |
| Return on Assets | 0.1%+0.0pp | 0.1%+0.3pp | -0.2%-0.3pp | 0.1%+0.0pp | 0.1%-0.1pp | 0.1%-0.0pp | 0.2%-0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.53-0.2 | 9.71-0.3 | 10.04-0.1 | 10.11-0.7 | 10.83-0.2 | 11.02-0.2 | 11.20-0.4 | 11.55 |
| FCF Margin | 19.6%-3.9pp | 23.6%+12.9pp | 10.7%-4.0pp | 14.6%-1.7pp | 16.4%-0.2pp | 16.5%+15.6pp | 1.0%-18.7pp | 19.7% |
Similar Companies
Frequently Asked Questions
What is Bcb Bancorp's annual revenue?
Bcb Bancorp (BCBP) reported $194.0M in total revenue for fiscal year 2024. This represents a 3.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Bcb Bancorp's revenue growing?
Bcb Bancorp (BCBP) revenue grew by 3% year-over-year, from $188.4M to $194.0M in fiscal year 2024.
Is Bcb Bancorp profitable?
Yes, Bcb Bancorp (BCBP) reported a net income of $18.6M in fiscal year 2024, with a net profit margin of 9.6%.
What is Bcb Bancorp's earnings per share (EPS)?
Bcb Bancorp (BCBP) reported diluted earnings per share of $0.99 for fiscal year 2024. This represents a -41.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Bcb Bancorp's net profit margin?
Bcb Bancorp (BCBP) had a net profit margin of 9.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Bcb Bancorp pay dividends?
Yes, Bcb Bancorp (BCBP) paid $0.64 per share in dividends during fiscal year 2024.
What is Bcb Bancorp's return on equity (ROE)?
Bcb Bancorp (BCBP) has a return on equity of 5.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bcb Bancorp's free cash flow?
Bcb Bancorp (BCBP) generated $66.5M in free cash flow during fiscal year 2024. This represents a 117.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Bcb Bancorp's operating cash flow?
Bcb Bancorp (BCBP) generated $67.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bcb Bancorp's total assets?
Bcb Bancorp (BCBP) had $3.6B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Bcb Bancorp's capital expenditures?
Bcb Bancorp (BCBP) invested $1.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Bcb Bancorp have outstanding?
Bcb Bancorp (BCBP) had 17M shares outstanding as of fiscal year 2024.
What is Bcb Bancorp's debt-to-equity ratio?
Bcb Bancorp (BCBP) had a debt-to-equity ratio of 10.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bcb Bancorp's return on assets (ROA)?
Bcb Bancorp (BCBP) had a return on assets of 0.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Bcb Bancorp's Piotroski F-Score?
Bcb Bancorp (BCBP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Bcb Bancorp's earnings high quality?
Bcb Bancorp (BCBP) has an earnings quality ratio of 3.64x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Bcb Bancorp?
Bcb Bancorp (BCBP) scores 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.