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what it is
BCB Community Bank runs 26 branches and turns deposits into loans in New Jersey and New York.
how it gets paid
Last year BCB Bancorp reported on the order of $95M in total revenue (net interest income plus non-interest income), driven by lending and deposit spreads—not by treating loan balances as sales.
why growth slowed
Full-year revenue was down materially vs. prior year in the most recent annual filing period; the latest quarter was stable to slightly up versus the prior-year quarter.
what just happened
The latest reported quarter earned about $0.22 per share on roughly $26.5M of revenue.
At a glance
C+ balance sheet — struggling to keep the lights on
40/100 earnings predictability — expect surprises
272.3x trailing p/e — you're paying up for this one
4.0% dividend yield — cash in your pocket every quarter
$0.99 fy2024 eps est
xvary composite: 31/100 — weak
What they do
BCB Community Bank runs 26 branches and turns deposits into loans in New Jersey and New York.
BCBP had 23 branches in New Jersey and 3 in New York as of Sept. 30, 2025. That is 26 places where your banking paperwork gets sticky. Deposits → customer cash left with the bank → $2.7B in deposits funds the loan book.
How they make money
~$95M
annual revenue (FY2024, total) · the year was weaker than the prior year on the top line
Net interest income
~$92M
FY2024
Non-interest income
remainder
FY2024
The products that matter
lends against commercial property
Commercial Real Estate Loans
primary revenue driver
this sits inside the net interest income engine that drives most of the ~$95M revenue stack. if credit quality slips here, earnings get hit again.
core book
mortgages and consumer lending
Consumer & Residential Loans
smaller portfolio
this is a smaller part of the loan mix, which means it is not big enough to rescue the earnings story on its own if the main book stays under pressure.
secondary
gathers deposits and fee income
BCB Community Bank
4.0% dividend yield
deposits fund the loan book. if funding gets tighter while you keep paying a 4.0% yield, the income story starts competing with capital preservation.
funding base
Key numbers
~$95M
annual revenue
Revenue → money coming in → the bank is a sub–$100M revenue franchise, not a giant one.
$498M
long-term debt
Debt → borrowed money → $498M sits ahead of common stock, and that is a lot for a $140M market cap.
272.3x
p/e
P/E → price vs. profit → you are paying 272.3 times trailing earnings, which is absurd for a bank.
4.0%
dividend yield
Dividend yield → cash back on your shares → you are getting paid while waiting for the profit picture to improve.
Financial health
C+
strength
- balance sheet grade C+ — weak — may struggle to fund operations
- risk rank 4 — safer than 20% of stocks
- price stability 55 / 100
- long-term debt $498M (78% of capital)
C+ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for BCBP right now.
source: institutional data · return history unavailable
What just happened
beat estimates
BCBP earned about $0.22 a share on roughly $26.5M of revenue in the latest quarter.
Those figures are consistent with the most recent quarterly earnings release: a profitable quarter versus the prior-year quarter, with results ahead of the consensus EPS estimate at the time.
$26.5M
revenue
$0.22
eps
n/a
n/a
the number that mattered
Profitability on ~$26.5M of quarterly revenue matters because it is bank-sized revenue, not a mislabeled nine-figure quarter.
source: EDGAR SEC filings, 2026
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What could go wrong
the #1 risk is commercial real estate credit deterioration inside a small balance sheet. when a bank this size takes a large relationship charge-off, the next credit problem matters more, not less.
med
credit costs stay elevated
The bank can still post a profitable quarter while absorbing elevated charge-offs in a single relationship. If charge-offs or provisions stay high, the hoped-for rebound to ~$0.99 in annual EPS gets harder to defend.
another loss-making quarter would keep pressuring capital and the stock's credibility.
med
net interest income keeps shrinking
Net interest income is the core engine. If funding stays expensive or loan yields do not make up for it, the core earnings line keeps compressing.
this hits the main engine, not a side line.
med
the dividend starts competing with capital repair
A 4.0% yield looks fine until you remember the bank just lost money. Paying out cash while profitability is weak can become a capital allocation problem instead of a shareholder benefit.
a cut would hurt sentiment. leaving it untouched leaves you less flexibility.
med
$498M of debt narrows the recovery path
Long-term debt stands at $498M, or 78% of capital. That is manageable for a healthy lender. For one with weak predictability and a fresh loss, it leaves less room for another surprise.
the balance sheet has less slack than the yield headline suggests.
Credit costs, net interest income trends, and $498M of long-term debt all point to the same test: BCBP needs consistent earnings after any one-off hits.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
next quarterly print needs to look normal again
The next quarterly report is the reset point. You want to know whether recent charge-offs were isolated or the start of a higher-loss run.
metric
net interest income
This line funds most of the bank. If it slips again, the core earnings problem is still spreading.
risk
credit quality and provisioning
Management can call the stress temporary. What matters is whether credit costs normalize after large relationship charge-offs.
trend
dividend versus capital preservation
The 4.0% yield is part of the appeal. It also becomes the awkward question if profitability does not rebound fast.
Analyst rankings
earnings predictability
40 / 100
Earnings swing around more than average. in human-speak, analysts do not trust this bank to produce clean, steady quarters right now.
balance sheet view
C+
A C+ is not distress, but it is not comfort either. You own a lender that needs execution more than optimism.
source: institutional data
Institutional activity
institutional ownership data for BCBP is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$8
current price
n/a
target midpoint · n/a from current
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