Stocks · Financial Services · Banks - Regional
BCB Bancorp, Inc. BCBP
$8.50 -1.51% Close, Oct 2, 2026 · NASDAQ · Market cap $147.6M
Weak trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-1.11, down 684.2% year over year.
- Operating margin narrowed to -15.8% from 3.8% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 4%
- EPS growth (TTM, YoY)Bottom 2%
- FCF growth (TTM, YoY)Bottom 12%
- Revenue growth, 3-year CAGRBottom 23%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 21%
- Gross marginBottom 7%
- Operating marginBottom 7%
- Accruals (lower is better)Top 29%
- Interest coverBottom 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 6%
- Free-cash-flow yieldTop 11%
- EBITDA / enterprise valueBottom 5%
- Sales / enterprise valueTop 29%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 28%
- 6-month returnBottom 13%
- 1-year return vs S&P 500Bottom 31%
- Distance from 52-week highBottom 18%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 37%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 26%
- Maximum drawdown, 3 yearsBottom 20%
- Beta vs S&P 500 (lower is better)Top 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -15.0% | -22.9% | ↓ |
| EPS growth (YoY) | -146.7% | -684.2% | ↓ |
| Gross margin | 34.4% | 24.9% | ↓ |
| Operating margin | 3.8% | -15.8% | ↓ |
| FCF margin | 34.2% | 23.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -22.9% | -15.0% | ↓ | Bottom 4% |
| EPS growth (TTM, YoY) | -684.2% | -146.7% | ↓ | Bottom 2% |
| Gross margin | 24.9% | 34.4% | ↓ | Bottom 7% |
| Operating margin | -15.8% | 3.8% | ↓ | Bottom 7% |
| Net margin | -12.0% | 2.7% | ↓ | — |
| Free-cash-flow margin | 23.6% | 34.2% | ↓ | — |
| Return on invested capital | -0.6% | — | Bottom 21% | |
| Revenue growth, 3-year CAGR | 7.8% | — | Bottom 23% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +15.4 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 5.43%
- Net buyback yield (TTM)
- -0.61%
- Shareholder yield
- 4.82%
- Share count change, 1 year
- +0.6%
- Share count change, 3-year CAGR
- +0.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $9.50
- Target vs current price
- +11.8%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 3, 2026 | -446.9% | -2.0% | -10.8% | -13.9% | — |
| Apr 21, 2026 | +4.0% | +4.8% | +8.9% | +3.4% | +13.6% |
| Jan 30, 2026 | +8.2% | +0.9% | +4.9% | +2.3% | +30.2% |
| Oct 27, 2025 | +4.8% | +2.1% | -3.3% | -5.4% | -2.8% |
| Jul 28, 2025 | +0.0% | +2.4% | -5.6% | +6.1% | -6.1% |
| Apr 22, 2025 | -321.7% | -5.9% | -10.7% | -11.1% | -7.0% |
| Jan 28, 2025 | -44.8% | -1.3% | -10.3% | -15.1% | -26.7% |
| Oct 18, 2024 | +0.0% | -0.4% | -10.8% | -0.3% | -11.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 3, 2026 | -$0.85 | $0.25 | -446.9% | $22.9M |
| Apr 21, 2026 | $0.26 | $0.25 | +4.0% | $24.9M |
| Jan 30, 2026 | -$0.73 | -$0.80 | +8.2% | $26.2M |
| Oct 27, 2025 | $0.22 | $0.21 | +4.8% | $26.5M |
| Jul 28, 2025 | $0.18 | $0.18 | +0.0% | $25.2M |
| Apr 22, 2025 | -$0.51 | $0.23 | -321.7% | $23.8M |
| Jan 28, 2025 | $0.16 | $0.29 | -44.8% | $23.1M |
| Oct 18, 2024 | $0.32 | $0.32 | +0.0% | $26.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / Sales | 2.13× | — | — | Top 29% |
| Free-cash-flow yield | 23.53% | — | — | Top 11% |
| Earnings yield | -13.06% | — | — | Bottom 6% |
P/E over the past five years
Range 4.2× – 155.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -1.7%
- Earnings per share growth (TTM)
- -684.2%
- Change in P/E multiple
- +1435.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.2%
- 200-day average slope (20 days)
- +0.7%
- Distance from 50-day average
- -4.5%
- Distance from 200-day average
- -7.2%
- RSI (14)
- 41.2
- Relative volume
- 0.86×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 30.7%
- Volatility vs own 5-year history
- 39th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.41
- Correlation with S&P 500
- 0.21
- Current drawdown from 1-year high
- -25.9%
- Maximum drawdown, 3 years
- -45.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 2, 2022 | Nov 17, 2025 | -63.4% | 868 days | Not yet recovered |
| Mar 8, 2021 | Jun 18, 2021 | -18.7% | 72 days | 140 days (Jan 6, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $147.6M
- EPS, diluted (TTM)
- -$1.11
- Revenue (TTM)
- $146.9M
- Dividend yield
- 3.76%
- 52-week range
- $7.31 – $11.71
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $120.9M | $133.0M | $192.4M | $196.9M | $166.4M |
| Gross profit | $101.9M | $118.6M | $102.0M | $83.4M | $44.5M |
| Operating income | $48.3M | $63.1M | $41.5M | $26.3M | -$18.3M |
| Net income | $34.2M | $45.6M | $29.5M | $18.6M | -$12.5M |
| EPS (diluted) | $1.92 | $2.58 | $1.70 | $0.99 | -$0.84 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $51.8M | $47.6M | $46.0M | $45.3M | $45.8M | $29.4M | $42.4M | $29.4M |
| Net income | $6.7M | $3.3M | -$8.3M | $3.6M | $4.3M | -$12.0M | $4.9M | -$14.8M |
| EPS (diluted) | $0.36 | $0.16 | -$0.51 | $0.18 | $0.22 | -$0.73 | $0.26 | -$0.86 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $45.9M | $40.9M | $35.2M | $67.7M | $35.9M |
| Capital expenditure | -$325,000 | -$518,000 | -$4.5M | -$1.2M | -$1.0M |
| Free cash flow | $45.6M | $40.4M | $30.6M | $66.5M | $34.9M |
| Dividends paid | -$9.8M | -$10.4M | -$10.4M | -$10.4M | -$10.6M |
| Net share buybacks | -$3.7M | -$3.0M | -$2.5M | $824,000 | $1.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $14.6M
- Total assets
- $3.12B
- Total liabilities
- $2.83B
- Total debt
- $179.3M
- Net debt
- $164.7M
- Shareholders’ equity
- $291.9M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| May 6, 2026 | $0.08 | May 20, 2026 |
| Feb 11, 2026 | $0.08 | Feb 26, 2026 |
| Nov 10, 2025 | $0.16 | Nov 24, 2025 |
| Aug 11, 2025 | $0.16 | Aug 25, 2025 |
| May 7, 2025 | $0.16 | May 21, 2025 |
| Feb 7, 2025 | $0.16 | Feb 24, 2025 |
| Nov 1, 2024 | $0.16 | Nov 15, 2024 |
| Aug 2, 2024 | $0.16 | Aug 16, 2024 |
Short interest
- Shares sold short
- 1,019,912
- Days to cover
- 7.99
- Change vs previous report
- +13.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 28, 2005
- 5-for-4
- Nov 23, 2004
- 5-for-4
- Oct 30, 2003
- 11-for-10
- Jan 13, 2003
- 11-for-10