Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
BCB Bancorp Inc (BCBP)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: BCBP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -28.69% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 170.77M USD | Price to earnings Ratio 9.96 | 1Y Target Price 12.81 |
Price to earnings Ratio 9.96 | 1Y Target Price 12.81 | ||
Volume (30-day avg) 51878 | Beta 0.53 | 52 Weeks Range 8.67 - 13.84 | Updated Date 04/1/2025 |
52 Weeks Range 8.67 - 13.84 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 6.49% | Basic EPS (TTM) 0.99 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.33% | Operating Margin (TTM) 28.35% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 5.84% |
Valuation
Trailing PE 9.96 | Forward PE 8.77 | Enterprise Value 387390496 | Price to Sales(TTM) 2.05 |
Enterprise Value 387390496 | Price to Sales(TTM) 2.05 | ||
Enterprise Value to Revenue 7.18 | Enterprise Value to EBITDA - | Shares Outstanding 17162600 | Shares Floating 15308205 |
Shares Outstanding 17162600 | Shares Floating 15308205 | ||
Percent Insiders 13.15 | Percent Institutions 39.59 |
Analyst Ratings
Rating 3.5 | Target Price 14.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BCB Bancorp Inc
Company Overview
History and Background
BCB Bancorp, Inc. was founded in 2000 and operates as the holding company for BCB Community Bank. It has grown through organic expansion and strategic acquisitions, focusing on serving the needs of communities in the New Jersey and New York metropolitan area.
Core Business Areas
- Commercial Lending: Provides various commercial loans, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Offers deposit accounts, consumer loans, and other retail banking services to individuals and small businesses.
- Small Business Administration (SBA) Lending: Offers SBA loans to small businesses.
Leadership and Structure
Thomas Coughlin is the President and Chief Executive Officer. The company has a Board of Directors overseeing corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to real estate investors and developers. Market share data is not publicly and readily available. Competitors include larger regional and national banks, as well as other community banks offering similar services.
- Business Term Loans: Loans for working capital, equipment purchases, or other business purposes. Market share data is not publicly and readily available. Competitors include larger regional and national banks, as well as other community banks offering similar services, and online lenders.
- SBA Loans: Government-backed loans designed to help small businesses obtain financing. Market share data is not publicly and readily available. Competitors include other banks that offer SBA loans, as well as specialized SBA lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition, and regulatory changes. Community banks are also navigating increasing technology adoption.
Positioning
BCB Bancorp Inc. is positioned as a community bank focused on serving the New Jersey and New York metropolitan area, with an emphasis on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in the New Jersey and New York metropolitan area is substantial, encompassing commercial and retail banking needs. BCB is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Relationship-based banking approach
- Solid track record of growth
Weaknesses
- Limited geographic footprint
- Smaller size compared to larger competitors
- Reliance on traditional banking model
- Exposure to interest rate risk
Opportunities
- Expansion into new markets within the region
- Increased demand for SBA loans
- Adoption of new technologies
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- FCNCA
- NYCB
- TCBI
Competitive Landscape
BCB competes with larger regional and national banks, as well as other community banks and credit unions. BCB's competitive advantage lies in its local presence and relationship-based banking approach.
Major Acquisitions
Peapack-Gladstone Financial Corporation
- Year: 2023
- Acquisition Price (USD millions): 256.4
- Strategic Rationale: Expand market share in New Jersey and enhance capabilities in wealth management and commercial banking. Consolidate operations and customer base
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires current reports. Unable to complete without source documents.
Future Projections: Future projections requires current reports. Unable to complete without source documents.
Recent Initiatives: Recent initiatives requires current reports. Unable to complete without source documents.
Summary
BCB Bancorp Inc. is a community-focused bank operating in a competitive market. It has established strengths in relationship banking, yet faces challenges from larger competitors and evolving industry dynamics. Recent acquisitions should enhance its competitive position. The bank needs to carefully manage interest rate risk and adapt to technological changes.
Similar Companies
- FCNCA
- NYCB
- TCBI
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
The data and analysis provided are based on available information and are subject to change. This is not financial advice. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BCB Bancorp Inc
Exchange NASDAQ | Headquaters Bayonne, NJ, United States | ||
IPO Launch date 2003-10-15 | President, CEO & Director Mr. Michael A. Shriner | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 264 | Website https://www.bcb.bank |
Full time employees 264 | Website https://www.bcb.bank | ||
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, interest and non-interest-bearing demand, money market, and individual retirement accounts, as well as certificates of deposit. It also provides various loan products, such as commercial and multi-family 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.