Bcb Bancorp Financials
Bcb Bancorp (BCBP) reported $173.0M in revenue for fiscal year 2025, down 10.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Balance-sheet contraction and financing flows dominate BCB Bancorp's FY2025 profile more than revenue trends
In FY2025, cash generation diverged from reported earnings: operating cash flow was$35.9M and free cash flow was$34.9M even as the company recorded a net loss. The same pattern appeared in FY2024, when net income was$18.6M against operating cash flow of$67.7M , so cash flow alone does not describe earnings quality.
Because assets exceed revenue by roughly 19x, balance-sheet leverage is more informative than margin comparisons: total assets contracted from
FY2025 revenue fell
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Bcb Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Bcb Bancorp, and counted as zero in the overall score.
Bcb Bancorp passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
Bcb Bancorp reported a net loss of $12.5M while generating $35.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Bcb Bancorp generated $173.0M in revenue in fiscal year 2025. This represents a decrease of 10.9% from the prior year.
Bcb Bancorp reported -$12.5M in net income in fiscal year 2025. This represents a decrease of 167.3% from the prior year.
Bcb Bancorp earned -$0.84 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 184.8% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Bcb Bancorp held $276.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Bcb Bancorp paid $0.64 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
BCBP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $166.4M | $173.0M-10.9% | $194.0M+3.0% | $188.4M+43.3% | $131.4M+16.8% | $112.6M-0.8% | $113.4M-8.2% | $123.6M+17.6% | $105.1M+35.5% | $77.6M+8.7% | $71.4M+5.9% | $67.4M+11.9% | $60.2M+4.9% | $57.4M+6.9% | $53.6M+1.5% | $52.9M |
| SG&A Expenses | $34.0M | $31.4M+11.2% | $28.2M-8.4% | $30.8M+10.0% | $28.0M+6.1% | $26.4M+1.9% | $25.9M-8.9% | $28.5M+3.1% | $27.6M+16.4% | $23.7M-6.2% | $25.3M+9.6% | $23.1M+14.5% | $20.1M+28.4% | $15.7M+4.5% | $15.0M+18.4% | $12.7M |
| Interest Expense | $72.3M | $79.9M-21.6% | $102.0M+21.0% | $84.3M+381.8% | $17.5M+15.3% | $15.2M-54.0% | $33.0M-19.4% | $41.0M+49.4% | $27.4M+74.8% | $15.7M-3.7% | $16.3M+17.5% | $13.9M+34.6% | $10.3M-2.6% | $10.6M-11.4% | $11.9M-10.2% | $13.3M |
| Income Tax | -$5.6M | -$5.8M-175.5% | $7.6M-36.1% | $12.0M-31.7% | $17.5M+25.1% | $14.0M+63.6% | $8.6M-8.0% | $9.3M+24.4% | $7.5M-26.9% | $10.2M+94.6% | $5.3M+9.2% | $4.8M-4.6% | $5.0M-23.0% | $6.6M+390.9% | -$2.3M-166.8% | $3.4M |
| Net Income | -$17.6M | -$12.5M-167.3% | $18.6M-36.8% | $29.5M-35.3% | $45.6M+33.1% | $34.2M+64.2% | $20.9M-0.8% | $21.0M+25.5% | $16.8M+67.9% | $10.0M+24.7% | $8.0M+13.8% | $7.0M-7.4% | $7.6M-19.4% | $9.4M+556.6% | -$2.1M-134.1% | $6.1M |
| EPS (Diluted) | — | -$0.84-184.8% | $0.99-41.8% | $1.70-34.1% | $2.58+34.4% | $1.92+68.4% | $1.14-5.0% | $1.20+18.8% | $1.01+34.7% | $0.75+19.0% | $0.63-8.7% | $0.69-14.8% | $0.81-23.6% | $1.06+560.9% | -$0.23-135.9% | $0.64 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BCBP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B-8.9% | $3.6B-6.1% | $3.8B+8.1% | $3.5B+19.5% | $3.0B+5.2% | $2.8B-3.0% | $2.9B+8.7% | $2.7B+37.7% | $1.9B+13.7% | $1.7B+5.5% | $1.6B+24.3% | $1.3B+7.8% | $1.2B+3.1% | $1.2B-3.7% | $1.2B |
| Cash & Equivalents | $276.6M-12.8% | $317.3M+13.5% | $279.5M+21.9% | $229.4M-44.3% | $411.6M+57.6% | $261.2M0.0% | $261.2M+33.8% | $195.3M+57.2% | $124.2M+91.0% | $65.0M-51.0% | $132.6M+312.9% | $32.1M+7.6% | $29.8M-12.6% | $34.1M-70.6% | $116.1M |
| Goodwill | $5.3M | N/A | N/A | $5.2M | N/A | N/A | $5.2M-0.6% | $5.2M | N/A | N/A | N/A | N/A | N/A | 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-3.6% | $2.7B+7.8% | $2.5B+40.1% | $1.8B+12.0% | $1.6B+6.2% | $1.5B+23.8% | $1.2B+8.3% | $1.1B+2.6% | $1.1B-3.3% | $1.1B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $185.0M+19.4% | $155.0M-22.5% | $200.0M+50.4% | $133.0M+20.9% | $110.0M0.0% | $110.0M-15.1% | $129.5M |
| Total Equity | $304.3M-6.1% | $323.9M+3.1% | $314.1M+7.8% | $291.3M+6.3% | $274.0M+10.0% | $249.2M+4.1% | $239.5M+19.6% | $200.2M+13.5% | $176.5M+34.6% | $131.1M-1.8% | $133.5M+30.6% | $102.3M+2.2% | $100.1M+9.3% | $91.6M-8.5% | $100.0M |
| Retained Earnings | $116.4M-17.9% | $141.9M+4.4% | $135.9M+18.1% | $115.1M+41.8% | $81.2M+39.1% | $58.3M+20.5% | $48.4M+26.1% | $38.4M+22.9% | $31.2M+10.9% | $28.2M+2.8% | $27.4M+5.4% | $26.0M+9.6% | $23.7M+25.6% | $18.9M-25.2% | $25.3M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
BCBP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $35.3M | $35.9M-47.0% | $67.7M+92.6% | $35.2M-14.0% | $40.9M-10.9% | $45.9M-67.1% | $139.3M+474.2% | $24.3M-39.4% | $40.0M+90.3% | $21.0M+190.5% | $7.2M-5.8% | $7.7M+71.0% | $4.5M-72.0% | $16.0M+28.9% | $12.4M-12.6% | $14.2M |
| Capital Expenditures | $1.1M | $1.0M-14.5% | $1.2M-72.9% | $4.5M+773.9% | $518K+59.4% | $325K-76.6% | $1.4M-44.8% | $2.5M+60.4% | $1.6M-17.9% | $1.9M-68.6% | $6.1M+69.7% | $3.6M+104.9% | $1.7M+5.9% | $1.7M+45.5% | $1.1M-49.5% | $2.2M |
| Free Cash Flow | $34.2M | $34.9M-47.6% | $66.5M+117.1% | $30.6M-24.1% | $40.4M-11.4% | $45.6M-67.0% | $138.0M+534.2% | $21.8M-43.4% | $38.5M+101.1% | $19.1M+1543.1% | $1.2M-71.7% | $4.1M+49.5% | $2.7M-80.9% | $14.4M+27.3% | $11.3M-5.7% | $12.0M |
| Investing Cash Flow | $199.6M | $232.4M+4.3% | $222.8M+195.5% | -$233.3M+69.4% | -$761.5M-9830.9% | -$7.7M+97.6% | -$315.5M-333.5% | $135.1M+129.0% | -$466.2M | N/A | N/A | N/A | -$89.1M-89.5% | -$47.0M+10.7% | -$52.7M-595.3% | $10.6M |
| Financing Cash Flow | -$244.9M | -$309.0M-22.3% | -$252.7M-201.8% | $248.3M-53.9% | $538.3M+379.9% | $112.2M+199.3% | -$113.0M-157.7% | $195.7M-60.6% | $497.2M | N/A | N/A | N/A | $86.9M+225.6% | $26.7M+164.0% | -$41.7M-39.6% | -$29.9M |
| Dividends Paid | $8.0M | $10.6M+1.7% | $10.4M0.0% | $10.4M+0.6% | $10.4M+6.2% | $9.8M+6.0% | $9.2M+5.9% | $8.7M+3.7% | $8.4M+28.4% | $6.5M+8.8% | $6.0M+34.9% | $4.5M+1.1% | $4.4M+9.5% | $4.0M-6.5% | $4.3M-5.3% | $4.5M |
| Share Buybacks | N/A | N/A | N/A | $3.8M+12.0% | $3.4M-19.0% | $4.2M-13.6% | $4.9M | N/A | N/A | N/A | N/A | N/A | $12K-99.4% | $1.9M-82.3% | $10.8M+94.9% | $5.6M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BCBP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -7.2%-16.8pp | 9.6%-6.0pp | 15.7%-19.0pp | 34.7%+4.3pp | 30.4%+12.0pp | 18.4%+1.4pp | 17.0%+1.1pp | 16.0%+3.1pp | 12.9%+1.7pp | 11.2%+0.8pp | 10.4%-2.2pp | 12.6%-3.8pp | 16.4%+20.3pp | -3.8%-15.3pp | 11.4% |
| 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%-0.4pp | 8.8%+0.4pp | 8.4%+2.7pp | 5.7%-0.5pp | 6.1%+0.9pp | 5.3%-2.2pp | 7.4%-2.0pp | 9.4%+11.7pp | -2.3%-8.3pp | 6.0% |
| 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%0.0pp | 0.7%+0.1pp | 0.6%+0.1pp | 0.5%0.0pp | 0.5%0.0pp | 0.4%-0.1pp | 0.6%-0.2pp | 0.8%+1.0pp | -0.2%-0.7pp | 0.5% |
| Debt-to-Equity | 9.78-0.3x | 10.11-1.1x | 11.200.0x | 11.18+1.3x | 9.83-0.5x | 10.32-0.8x | 11.14-1.2x | 12.36+11.3x | 1.05-0.1x | 1.18-0.3x | 1.50+0.2x | 1.30+0.2x | 1.10-0.1x | 1.20-0.1x | 1.29 |
| FCF Margin | 20.2%-14.1pp | 34.3%+18.0pp | 16.3%-14.4pp | 30.7%-9.8pp | 40.5% | 121.6% | 17.6%-19.0pp | 36.6%+11.9pp | 24.7%+23.0pp | 1.6%-4.5pp | 6.1%+1.5pp | 4.6%-20.5pp | 25.1%+4.0pp | 21.1%-1.6pp | 22.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
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Where Bcb Bancorp Ranks
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $12.5M while generating $35.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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 16 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.