What is Bcb Bancorp's earnings per share (EPS)?

Bcb Bancorp (BCBP) reported diluted earnings per share of $-0.84 for fiscal year 2025. This represents a -184.8% 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.

Bcb Bancorp Financials

BCBP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Bcb Bancorp (BCBP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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

Financial Profile 23/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bcb Bancorp's revenue declined 10.9% year-over-year, from $194.0M to $173.0M. This contraction results in a growth score of 15/100.

Leverage

Bcb Bancorp has elevated debt relative to equity (D/E of 9.78), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Bcb Bancorp converts 20.2% of revenue into free cash flow ($34.9M). This strong cash generation earns a score of 75/100.

Returns

Bcb Bancorp generates a -4.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 2/100. This is down from 5.8% the prior year.

Piotroski F-Score Weak

2/9

Bcb Bancorp passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

-2.87x

For every $1 of reported earnings, Bcb Bancorp generates $-2.87 in operating cash flow ($35.9M OCF vs -$12.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$173.0M

YoY-10.9%

5Y CAGR+8.8%

10Y CAGR+9.9%

Bcb Bancorp generated $173.0M in revenue in fiscal year 2025. This represents a decrease of 10.9% from the prior year.

EBITDA

N/A

Net Income

-$12.5M

YoY-167.3%

Bcb Bancorp reported -$12.5M in net income in fiscal year 2025. This represents a decrease of 167.3% from the prior year.

EPS (Diluted)

$-0.84

YoY-184.8%

Bcb Bancorp earned $-0.84 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 184.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$34.9M

YoY-47.6%

5Y CAGR-24.0%

10Y CAGR+23.8%

Bcb Bancorp generated $34.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 47.6% from the prior year.

Cash & Debt

$276.6M

YoY-12.8%

5Y CAGR+1.1%

10Y CAGR+7.6%

Bcb Bancorp held $276.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.64

YoY+0.0%

5Y CAGR+2.7%

10Y CAGR+16.4%

Bcb Bancorp paid $0.64 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

17M

YoY+1.2%

5Y CAGR+0.2%

10Y CAGR+4.4%

Bcb Bancorp had 17M shares outstanding in fiscal year 2025. This represents an increase of 1.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-7.2%

YoY-16.8pp

5Y CAGR-25.6pp

10Y CAGR-17.7pp

Bcb Bancorp's net profit margin was -7.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 16.8 percentage points from the prior year.

Return on Equity

-4.1%

YoY-9.9pp

5Y CAGR-12.5pp

10Y CAGR-9.4pp

Bcb Bancorp's ROE was -4.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 9.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.0M

YoY-14.5%

5Y CAGR-5.5%

10Y CAGR-11.6%

Bcb Bancorp invested $1.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 14.5% from the prior year.

BCBP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$173.0M-10.9%	$194.0M+3.0%	$188.4M+43.3%	$131.4M+16.8%	$112.6M-0.8%	$113.4M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$79.9M-21.6%	$102.0M+21.0%	$84.3M+381.8%	$17.5M+15.3%	$15.2M-54.0%	$33.0M
Income Tax	-$5.8M-175.5%	$7.6M-36.1%	$12.0M-31.7%	$17.5M+25.1%	$14.0M+63.6%	$8.6M
Net Income	-$12.5M-167.3%	$18.6M-36.8%	$29.5M-35.3%	$45.6M+33.1%	$34.2M+64.2%	$20.9M
EPS (Diluted)	$-0.84-184.8%	$0.99-41.8%	$1.70-34.1%	$2.58+34.4%	$1.92+68.4%	$1.14

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$42.5M-1.2%	$43.0M-0.3%	$43.2M-2.3%	$44.2M-5.3%	$46.7M-4.1%	$48.6M-1.7%	$49.4M+0.3%	$49.3M
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	$18.3M-5.2%	$19.3M-3.7%	$20.1M-9.5%	$22.2M-9.3%	$24.5M-4.4%	$25.6M-0.9%	$25.8M-1.3%	$26.1M
Income Tax	-$5.4M-448.8%	$1.5M+6.1%	$1.5M+143.0%	-$3.4M-352.8%	$1.3M-50.1%	$2.7M+130.9%	$1.2M-52.7%	$2.5M
Net Income	-$12.0M-382.2%	$4.3M+19.6%	$3.6M+142.8%	-$8.3M-354.4%	$3.3M-50.9%	$6.7M+136.7%	$2.8M-52.0%	$5.9M
EPS (Diluted)	N/A	$0.22+22.2%	$0.18+135.3%	$-0.51	N/A	$0.36+157.1%	$0.14-56.3%	$0.32

BCBP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B-8.9%	$3.6B-6.1%	$3.8B+8.1%	$3.5B+19.5%	$3.0B+5.2%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$276.6M-12.8%	$317.3M+13.5%	$279.5M+21.9%	$229.4M-44.3%	$411.6M+57.6%	$261.2M
Inventory	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
Goodwill	N/A	N/A	N/A	$5.2M	N/A	N/A
Total Liabilities	$3.0B-9.2%	$3.3B-6.9%	$3.5B+8.1%	$3.3B+20.8%	$2.7B+4.7%	$2.6B
Current Liabilities	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
Total Equity	$304.3M-6.1%	$323.9M+3.1%	$314.1M+7.8%	$291.3M+6.3%	$274.0M+10.0%	$249.2M
Retained Earnings	$116.4M-17.9%	$141.9M+4.4%	$135.9M+18.1%	$115.1M+41.8%	$81.2M+39.1%	$58.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.3B-2.2%	$3.4B-0.8%	$3.4B-2.7%	$3.5B-3.5%	$3.6B-0.4%	$3.6B-4.7%	$3.8B-1.4%	$3.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$276.6M+10.8%	$249.6M+20.7%	$206.9M-18.2%	$252.8M-20.3%	$317.3M+30.5%	$243.1M-25.6%	$326.9M-7.3%	$352.4M
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	N/A
Total Liabilities	$3.0B-2.0%	$3.0B-1.0%	$3.1B-3.0%	$3.2B-3.5%	$3.3B-0.3%	$3.3B-5.4%	$3.5B-1.6%	$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	$304.3M-4.4%	$318.5M+0.9%	$315.7M+0.3%	$314.7M-2.8%	$323.9M-1.3%	$328.1M+2.3%	$320.7M+0.2%	$320.1M
Retained Earnings	$116.4M-11.6%	$131.7M+0.8%	$130.6M+0.3%	$130.3M-8.2%	$141.9M+0.1%	$141.8M+2.5%	$138.3M-0.2%	$138.6M

BCBP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$35.9M-47.0%	$67.7M+92.6%	$35.2M-14.0%	$40.9M-10.9%	$45.9M-67.1%	$139.3M
Capital Expenditures	$1.0M-14.5%	$1.2M-72.9%	$4.5M+773.9%	$518K+59.4%	$325K-76.6%	$1.4M
Free Cash Flow	$34.9M-47.6%	$66.5M+117.1%	$30.6M-24.1%	$40.4M-11.4%	$45.6M-67.0%	$138.0M
Investing Cash Flow	$232.4M+4.3%	$222.8M+195.5%	-$233.3M+69.4%	-$761.5M-9830.9%	-$7.7M+97.6%	-$315.5M
Financing Cash Flow	-$309.0M-22.3%	-$252.7M-201.8%	$248.3M-53.9%	$538.3M+379.9%	$112.2M+199.3%	-$113.0M
Dividends Paid	$10.6M+1.7%	$10.4M0.0%	$10.4M+0.6%	$10.4M+6.2%	$9.8M+6.0%	$9.2M
Share Buybacks	N/A	N/A	$3.8M+12.0%	$3.4M-19.0%	$4.2M-13.6%	$4.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$11.8M+35.6%	$8.7M-15.5%	$10.3M+106.3%	$5.0M-35.7%	$7.8M-82.1%	$43.5M+435.6%	$8.1M-1.9%	$8.3M
Capital Expenditures	$320K+14.3%	$280K+79.5%	$156K-46.4%	$291K-69.4%	$952K+969.7%	$89K+122.5%	$40K-72.2%	$144K
Free Cash Flow	$11.5M+36.3%	$8.5M-16.9%	$10.2M+115.8%	$4.7M-31.0%	$6.8M-84.3%	$43.4M+437.1%	$8.1M-0.7%	$8.1M
Investing Cash Flow	$77.6M+17.4%	$66.1M+58.5%	$41.7M-11.3%	$47.0M-43.7%	$83.5M+33.7%	$62.4M+150.1%	$25.0M-51.9%	$51.9M
Financing Cash Flow	-$62.5M-94.9%	-$32.1M+67.3%	-$97.9M+16.0%	-$116.5M-581.1%	-$17.1M+91.0%	-$189.7M-223.3%	-$58.7M-561.0%	$12.7M
Dividends Paid	$2.6M+0.3%	$2.6M-1.2%	$2.7M-0.4%	$2.7M+2.1%	$2.6M+0.2%	$2.6M+0.9%	$2.6M-0.5%	$2.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

BCBP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	-7.2%-16.8pp	9.6%-6.0pp	15.7%-19.0pp	34.7%+4.3pp	30.4%+12.0pp	18.4%
Return on Equity	-4.1%-9.9pp	5.8%-3.6pp	9.4%-6.3pp	15.7%+3.1pp	12.5%+4.1pp	8.4%
Return on Assets	-0.4%-0.9pp	0.5%-0.3pp	0.8%-0.5pp	1.3%+0.1pp	1.1%+0.4pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.78-0.3	10.11-1.1	11.20+0.0	11.18+1.3	9.83-0.5	10.32
FCF Margin	20.2%-14.1pp	34.3%+18.0pp	16.3%-14.4pp	30.7%-9.8pp	40.5%-81.1pp	121.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	-28.3%-38.2pp	9.9%+1.7pp	8.3%+27.1pp	-18.8%-25.9pp	7.0%-6.7pp	13.7%+8.0pp	5.7%-6.2pp	11.9%
Return on Equity	-4.0%-5.3pp	1.3%+0.2pp	1.1%+3.8pp	-2.6%-3.6pp	1.0%-1.0pp	2.0%+1.1pp	0.9%-0.9pp	1.8%
Return on Assets	-0.4%-0.5pp	0.1%+0.0pp	0.1%+0.3pp	-0.2%-0.3pp	0.1%-0.1pp	0.2%+0.1pp	0.1%-0.1pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.78+0.2	9.53-0.2	9.71-0.3	10.04-0.1	10.11+0.1	10.01-0.8	10.83-0.2	11.02
FCF Margin	27.1%+7.4pp	19.6%-3.9pp	23.6%+12.9pp	10.7%-4.0pp	14.6%-74.7pp	89.3%+73.0pp	16.4%-0.2pp	16.5%

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Frequently Asked Questions

What is Bcb Bancorp's annual revenue?

Bcb Bancorp (BCBP) reported $173.0M in total revenue for fiscal year 2025. This represents a -10.9% 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 declined by 10.9% year-over-year, from $194.0M to $173.0M in fiscal year 2025.

Is Bcb Bancorp profitable?

No, Bcb Bancorp (BCBP) reported a net income of -$12.5M in fiscal year 2025, with a net profit margin of -7.2%.

What is Bcb Bancorp's net profit margin?

Bcb Bancorp (BCBP) had a net profit margin of -7.2% in fiscal year 2025, 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 2025.

What is Bcb Bancorp's return on equity (ROE)?

Bcb Bancorp (BCBP) has a return on equity of -4.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bcb Bancorp's free cash flow?

Bcb Bancorp (BCBP) generated $34.9M in free cash flow during fiscal year 2025. This represents a -47.6% 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 $35.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bcb Bancorp's total assets?

Bcb Bancorp (BCBP) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bcb Bancorp's capital expenditures?

Bcb Bancorp (BCBP) invested $1.0M in capital expenditures during fiscal year 2025, 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 2025.

What is Bcb Bancorp's debt-to-equity ratio?

Bcb Bancorp (BCBP) had a debt-to-equity ratio of 9.78 as of fiscal year 2025, 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 -0.4% for fiscal year 2025, 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 2 out of 9, indicating weak 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 -2.87x, considered mixed 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 23 out of 100 on our Financial Profile, indicating weak 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.