BCB Bancorp Inc (NJ) (BCBP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BCBP SEC filings page.
BCB Bancorp Inc (NJ) (BCBP) reported $100.4M in revenue over the twelve months to Jun 30, 2026, up 2.2% from the prior twelve months. 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).
The balance sheet is shrinking while reported cash generation stays positive, but earnings have deteriorated into a 2025 loss.
The key earnings-quality mismatch is that FY2025 recorded a net loss of$12.5M while operating cash flow was$35.9M . Free cash flow was$34.9M against only$1.0M of capital spending, indicating that reported cash generation reflects more than accounting profitability and should not be treated as recurring earnings.
The balance sheet contracted by
Revenue recovered to
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 Inc (NJ)'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.
BCB Bancorp Inc (NJ) earned a return on assets of -0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.5% the prior year. Earnings ranks banks on that return over three years, and BCB Bancorp Inc (NJ) scores 19/100 among other banks.
BCB Bancorp Inc (NJ) reported revenue of $101.6M in fiscal year 2025, against $95.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and BCB Bancorp Inc (NJ) scores 11/100 among other banks.
BCB Bancorp Inc (NJ) funded 9.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $304.3M of equity against $3.3B of assets. Capital ranks banks on that cushion, and BCB Bancorp Inc (NJ) scores 21/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. BCB Bancorp Inc (NJ) scores 37/100 on it among other banks.
Not available for BCB Bancorp Inc (NJ), and counted as zero in the overall score.
BCB Bancorp Inc (NJ) reported a net loss of $12.5M in fiscal year 2025, against $18.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and BCB Bancorp Inc (NJ) scores 23/100 among other banks.
BCB Bancorp Inc (NJ) passes 3 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), both operating efficiency signals pass.
BCB Bancorp Inc (NJ) 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 Inc (NJ) generated $22.9M in revenue in Q2 2026. This represents a decrease of 9.1% from the same quarter a year earlier. Against the prior quarter it is down 8.3%.
BCB Bancorp Inc (NJ) reported -$14.8M in net income in Q2 2026. This represents a decrease of 514.6% from the same quarter a year earlier. Against the prior quarter it is down 401.3%.
BCB Bancorp Inc (NJ) earned -$0.85 per diluted share (EPS) in Q2 2026. This represents a decrease of 572.2% from the same quarter a year earlier. Against the prior quarter it is down 426.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
BCB Bancorp Inc (NJ) generated $9.3M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 8.2% from the same quarter a year earlier. Against the prior quarter it is up 90.4%.
BCB Bancorp Inc (NJ) held $196.9M in cash as of Q2 2026; long-term debt is not reported for that period.
BCB Bancorp Inc (NJ) paid $0.08 per share in dividends in Q2 2026. This represents a decrease of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
BCB Bancorp Inc (NJ)'s net profit margin was -64.6% in Q2 2026, showing the share of revenue converted to profit. This is down 78.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 84.3 percentage points.
BCB Bancorp Inc (NJ)'s ROE was -5.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 6.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 6.7 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
BCB Bancorp Inc (NJ) invested $237K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 51.9% from the same quarter a year earlier. Against the prior quarter it is down 10.9%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BCBP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.9M-9.1% | $24.9M+4.8% | $26.2M+13.1% | $26.5M+1.1% | $25.2M+23.4% | $23.8M-5.8% | $23.1M-14.8% | $26.2M-3.4% |
| SG&A Expenses | $9.4M+21.8% | $8.3M+12.5% | $8.0M+11.8% | $8.3M+16.6% | $7.7M+10.3% | $7.4M+6.0% | $7.1M-10.7% | $7.1M-5.1% |
| Interest Expense | $17.1M-14.8% | $17.6M-20.8% | $18.3M-25.1% | $19.3M-24.4% | $20.1M-22.2% | $22.2M-15.1% | $24.5M-5.1% | $25.6M+9.4% |
| Income Tax | -$3.5M-338.4% | $1.7M+150.1% | -$5.4M-502.2% | $1.5M-42.5% | $1.5M+25.1% | -$3.4M-237.6% | $1.3M-48.4% | $2.7M-0.8% |
| Net Income | -$14.8M-514.6% | $4.9M+158.9% | -$12.0M-467.6% | $4.3M-36.1% | $3.6M+26.5% | -$8.3M-241.9% | $3.3M-46.0% | $6.7M-0.6% |
| EPS (Basic) | -$0.85-572.2% | $0.26+151.0% | -$0.73-529.4% | $0.22-38.9% | $0.18+28.6% | -$0.51-259.4% | $0.17-51.4% | $0.36-7.7% |
| EPS (Diluted) | -$0.85-572.2% | $0.26+151.0% | -$0.73-529.4% | $0.22-38.9% | $0.18+28.6% | -$0.51-259.4% | $0.17-51.4% | $0.36-7.7% |
| Diluted Shares (Avg) | 17M+0.8% | 17M+1.2% | N/A | 17M+0.8% | 17M+1.0% | 17M+1.0% | N/A | 17M+1.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BCBP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.1B-7.8% | $3.3B-5.9% | $3.3B-8.9% | $3.4B-7.2% | $3.4B-10.9% | $3.5B-9.8% | $3.6B-6.1% | $3.6B-5.2% |
| Cash & Equivalents | $196.9M-4.8% | $293.7M+16.2% | $276.6M-12.8% | $249.6M+2.7% | $206.9M-36.7% | $252.8M-28.3% | $317.3M+13.5% | $243.1M-3.5% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $0 | $5.2M | $5.3M | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.8B-7.8% | $3.0B-6.2% | $3.0B-9.2% | $3.0B-7.6% | $3.1B-11.8% | $3.2B-10.5% | $3.3B-6.9% | $3.3B-6.4% |
| Total Equity | $291.9M-7.5% | $307.4M-2.3% | $304.3M-6.1% | $318.5M-2.9% | $315.7M-1.6% | $314.7M-1.7% | $323.9M+3.1% | $328.1M+8.1% |
| Retained Earnings | $103.2M-21.0% | $119.4M-8.3% | $116.4M-17.9% | $131.7M-7.1% | $130.6M-5.6% | $130.3M-6.0% | $141.9M+4.4% | $141.8M+6.8% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.6M-7.3% | $5.2M+3.3% | $11.8M+52.1% | $8.7M-79.9% | $10.3M+27.2% | $5.0M-39.6% | $7.8M+1067.3% | $43.5M+336.7% |
| Stock-Based Compensation | N/A | $148K-53.9% | N/A | N/A | N/A | $321K+64.6% | N/A | N/A |
| Capital Expenditures | $237K+51.9% | $266K-8.6% | $320K-66.4% | $280K+214.6% | $156K+290.0% | $291K+102.1% | $952K+395.8% | $89K-72.0% |
| Free Cash Flow | $9.3M-8.2% | $4.9M+4.0% | $11.5M+68.6% | $8.5M-80.5% | $10.2M+25.9% | $4.7M-42.1% | $6.8M+1338.7% | $43.4M+350.1% |
| Investing Cash Flow | $31.1M-25.3% | $24.7M-47.4% | $77.6M-7.0% | $66.1M+5.9% | $41.7M+67.0% | $47.0M-9.5% | $83.5M+442.6% | $62.4M+66.1% |
| Financing Cash Flow | -$137.6M-40.5% | -$12.8M+89.1% | -$62.5M-265.3% | -$32.1M+83.1% | -$97.9M-66.9% | -$116.5M-1015.5% | -$17.1M-248.0% | -$189.7M-175.5% |
| Dividends Paid | $1.4M-49.0% | $1.4M-48.6% | $2.6M+0.8% | $2.6M+0.6% | $2.7M+2.9% | $2.7M+2.7% | $2.6M+1.8% | $2.6M+1.3% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Share Buybacks.
BCBP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -64.6%-78.8pp | 19.7%+54.6pp | -46.0%-60.1pp | 16.1%-9.4pp | 14.2%+0.4pp | -35.0%-58.2pp | 14.1%-8.2pp | 25.5%+0.7pp |
| Return on Equity | -5.1%-6.2pp | 1.6%+4.2pp | -4.0%-5.0pp | 1.3%-0.7pp | 1.1%+0.2pp | -2.6%-4.5pp | 1.0%-0.9pp | 2.0%-0.2pp |
| Return on Assets | -0.5%-0.6pp | 0.1%+0.4pp | -0.4%-0.5pp | 0.1%-0.1pp | 0.1%0.0pp | -0.2%-0.4pp | 0.1%-0.1pp | 0.2%0.0pp |
| Debt-to-Equity | 9.680.0x | 9.64-0.4x | 9.78-0.3x | 9.53-0.5x | 9.71-1.1x | 10.04-1.0x | 10.11-1.1x | 10.01-1.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 40.8%+0.4pp | 19.7%-0.1pp | 44.0%+14.5pp | 32.0% | 40.4%+0.8pp | 19.8%-12.4pp | 29.5%+27.8pp | 166.0% |
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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| BCB Bancorp Inc (NJ) BCBP | FY2025 | $101.6M | -$12.5M | -12.3% | $261.4M | 19/100 |
| MainStreet Bancshares, Inc. MNSB | FY2025 | $135.6M | $15.6M | 11.5% | $177.6M | 48/100 |
| United Security Bancshares UBFO | FY2025 | $53.9M | $12.3M | 22.8% | $185.0M | 48/100 |
| Landmark Bancorp Inc LARK | FY2025 | $70.6M | $19K | 0.0% | $191.3M | 34/100 |
| First Capital Inc FCAP | FY2025 | $50.6M | $16.4M | 32.3% | $210.4M | 52/100 |
| BV Financial, Inc. BVFL | FY2025 | $39.6M | $13.5M | 34.1% | $179.8M | 66/100 |
Where BCB Bancorp Inc (NJ) Ranks
Frequently Asked Questions
What is BCB Bancorp Inc (NJ)'s annual revenue?
BCB Bancorp Inc (NJ) (BCBP) reported $101.6M in total revenue for fiscal year 2025. This represents a 7.0% 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 Inc (NJ)'s revenue growing?
BCB Bancorp Inc (NJ) (BCBP) revenue grew by 7.0% year-over-year, from $95.0M to $101.6M in fiscal year 2025.
Is BCB Bancorp Inc (NJ) profitable?
No, BCB Bancorp Inc (NJ) (BCBP) reported a net income of -$12.5M in fiscal year 2025, with a net profit margin of -12.3%.
What is BCB Bancorp Inc (NJ)'s net profit margin?
BCB Bancorp Inc (NJ) (BCBP) had a net profit margin of -12.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does BCB Bancorp Inc (NJ) pay dividends?
Yes, BCB Bancorp Inc (NJ) (BCBP) paid $0.64 per share in dividends during fiscal year 2025.
What is BCB Bancorp Inc (NJ)'s return on equity (ROE)?
BCB Bancorp Inc (NJ) (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 Inc (NJ)'s free cash flow?
BCB Bancorp Inc (NJ) (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 Inc (NJ)'s operating cash flow?
BCB Bancorp Inc (NJ) (BCBP) generated $35.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are BCB Bancorp Inc (NJ)'s total assets?
BCB Bancorp Inc (NJ) (BCBP) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are BCB Bancorp Inc (NJ)'s capital expenditures?
BCB Bancorp Inc (NJ) (BCBP) invested $1.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is BCB Bancorp Inc (NJ)'s debt-to-equity ratio?
BCB Bancorp Inc (NJ) (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 Inc (NJ)'s return on assets (ROA)?
BCB Bancorp Inc (NJ) (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 Inc (NJ)'s P/E ratio?
BCB Bancorp Inc (NJ) (BCBP) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $261.4M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BCB Bancorp Inc (NJ)'s price-to-sales ratio?
BCB Bancorp Inc (NJ) (BCBP) trades at 2.6x sales, its market capitalization divided by revenue of $100.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $261.4M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BCB Bancorp Inc (NJ)'s Piotroski F-Score?
BCB Bancorp Inc (NJ) (BCBP) has a Piotroski F-Score of 3 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 Inc (NJ)'s earnings high quality?
BCB Bancorp Inc (NJ) (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 Inc (NJ)?
BCB Bancorp Inc (NJ) (BCBP) scores 19 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.