NASDAQ : BCBP
BCB Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 8.61 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 264.77M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 144.29M | 154.20M | 172.05M | 169.56M | 123.58M | 107.66M |
| Interest Income on Investments | 17.49M | 18.76M | 21.96M | 18.80M | 7.86M | 4.91M |
| Total Interest Income | 161.78M | 172.96M | 194.01M | 188.36M | 131.44M | 112.57M |
| Interest Paid on Deposits | 55.83M | 61.12M | 78.22M | 56.69M | 12.62M | 11.00M |
| Interest Paid on Borrowings | 12.95M | 18.80M | 23.77M | 27.61M | 4.88M | 4.18M |
| Total Interest Expense | 68.78M | 79.92M | 101.99M | 84.30M | 17.50M | 15.18M |
| Net Interest Income | 93.00M | 93.04M | 92.02M | 104.06M | 113.94M | 97.39M |
| Gain (Loss) on Sale of Assets | 371.00K | |||||
| Gain (Loss) on Sale of Investments | -845.00K | -300.00K | 379.00K | -3.36M | -6.27M | 147.00K |
| Other Non-Interest Income | 8.90M | 8.83M | 7.89M | 7.34M | 7.74M | 7.56M |
| Total Non-Interest Income | 8.75M | 8.55M | 2.94M | 4.09M | 1.59M | 8.70M |
| Revenues Before Loan Losses | 101.75M | 101.60M | 94.96M | 108.15M | 115.54M | 106.09M |
| Provision for Loan Losses | 148.93M | 42.01M | 11.57M | 6.10M | -3.08M | 3.85M |
| Revenue | -47.18M | 59.59M | 83.39M | 102.05M | 118.61M | 102.23M |
| Salaries and Employee Benefits | 34.60M | 30.38M | 27.46M | 30.23M | 26.89M | 25.99M |
| Occupancy Expenses | 5.64M | 5.46M | 5.55M | 10.34M | 10.63M | 11.36M |
| Federal Deposit Insurance | 3.01M | 3.29M | 3.53M | 3.58M | 1.24M | 1.31M |
| Selling, General & Administrative | 21.45M | 19.44M | 16.85M | 12.73M | 13.12M | 9.96M |
| Other Non-Interest Expense | 5.38M | 4.23M | 3.73M | 3.70M | 3.61M | 3.72M |
| Total Non-Interest Expense | 85.61M | 77.88M | 57.12M | 60.59M | 55.51M | 52.38M |
| EBT Excluding Unusual Items | -132.79M | -18.30M | 26.27M | 41.45M | 63.11M | 49.85M |
| Other Unusual Items | -1.60M | |||||
| Pretax Income | -138.05M | -18.30M | 26.27M | 41.45M | 63.11M | 48.26M |
| Income Tax Expense | 16.31M | -5.77M | 7.65M | 11.97M | 17.53M | 14.02M |
| Net Income | -154.35M | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M |
| Preferred Dividends & Other Adjustments | 965.00K | 1.93M | 1.83M | 702.00K | 796.00K | 1.16M |
| Net Income to Common | -155.32M | -14.46M | 16.79M | 28.78M | 44.78M | 33.08M |
| Basic Shares Outstanding | 17.73M | 17.19M | 17.01M | 16.87M | 16.97M | 17.06M |
| Diluted Shares Outstanding | 17.73M | 17.19M | 17.02M | 16.93M | 17.35M | 17.24M |
| EPS (Basic) | -8.76 | -0.84 | 0.99 | 1.71 | 2.64 | 1.94 |
| EPS (Diluted) | -8.76 | -0.84 | 0.99 | 1.70 | 2.58 | 1.92 |
| Dividend Per Share | 0.08 | 0.56 | 0.64 | 0.64 | 0.64 | 0.60 |
| Effective Tax Rate | 29.11% | 28.88% | 27.78% | 29.05% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 500.31M | 276.58M | 317.28M | 279.52M | 229.36M | 411.63M |
| Investment Securities | 135.71M | 61.82M | 66.41M | 62.98M | 85.27M | 80.20M |
| Mortgage-Backed Securities | 74.49M | 45.51M | 34.61M | 24.87M | 30.91M | |
| Total Investments | 135.71M | 136.30M | 111.92M | 97.60M | 110.14M | 111.11M |
| Gross Loans | 2.25B | 2.73B | 3.03B | 3.32B | 3.08B | 2.34B |
| Allowance for Loan Losses | -70.27M | -33.69M | -34.79M | -33.61M | -32.37M | -37.12M |
| Other Adjustments to Gross Loans | -1.55M | -1.74M | -2.74M | -4.09M | -4.71M | -1.88M |
| Net Loans | 2.18B | 2.69B | 3.00B | 3.28B | 3.05B | 2.30B |
| Property, Plant & Equipment | 21.75M | 22.72M | 25.25M | 25.99M | 24.03M | 24.69M |
| Goodwill | 5.25M | 5.25M | 5.25M | 5.25M | 5.25M | |
| Other Intangible Assets | 129.00K | 178.00K | ||||
| Loans Held for Sale | 67.56M | 1.29M | 658.00K | 952.00K | ||
| Accrued Interest Receivable | 13.62M | 13.83M | 15.18M | 16.07M | 13.46M | 9.18M |
| Long-Term Deferred Tax Assets | 22.21M | 17.18M | 18.21M | 16.46M | 12.96M | |
| Other Real Estate Owned & Foreclosed | 5.00M | 75.00K | 75.00K | |||
| Other Long-Term Assets | 94.53M | 92.30M | 86.52M | 83.83M | 81.19M | 80.47M |
| Total Assets | 3.02B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Interest Bearing Deposits | 2.09B | 1.71B | 1.83B | 2.10B | 1.99B | 1.70B |
| Institutional Deposits | 436.00M | 398.00M | 341.90M | 207.70M | 275.00M | |
| Non-Interest Bearing Deposits | 523.08M | 531.14M | 520.39M | 536.26M | 613.91M | 588.21M |
| Total Deposits | 2.61B | 2.67B | 2.75B | 2.98B | 2.81B | 2.56B |
| Short-Term Borrowings | 60.00M | |||||
| Current Portion of Long-Term Debt | 100.00M | 235.00M | 220.36M | 18.00M | 250.00M | |
| Current Portion of Leases | 3.31M | 3.19M | 3.09M | 3.06M | 3.30M | |
| Long-Term Debt | 43.40M | 39.11M | 38.86M | 33.52M | 33.41M | 37.27M |
| Federal Home Loan Bank Debt, Long-Term | 235.00M | 454.81M | 72.26M | 71.71M | ||
| Long-Term Leases | 10.64M | 7.83M | 9.95M | 10.22M | 10.80M | 9.46M |
| Trust Preferred Securities | 4.10M | 4.10M | 4.10M | 4.10M | ||
| Pension & Post-Retirement Benefits | 1.03M | 652.00K | ||||
| Other Long-Term Liabilities | 11.82M | 12.26M | 12.87M | 15.51M | 8.67M | 9.71M |
| Total Liabilities | 2.78B | 2.98B | 3.28B | 3.52B | 3.25B | 2.69B |
| Preferred Stock, Other | 25.24M | 25.24M | 24.72M | 25.04M | 21.00M | 28.92M |
| Total Preferred Equity | 25.24M | 25.24M | 24.72M | 25.04M | 21.00M | 28.92M |
| Additional Paid-In Capital | 296.62M | 203.43M | 200.94M | 198.92M | 196.16M | 193.93M |
| Retained Earnings | -29.23M | 116.42M | 141.85M | 135.93M | 115.11M | 81.17M |
| Treasury Stock | -38.35M | -38.35M | -38.35M | -38.35M | -34.53M | -31.12M |
| Comprehensive Income & Other | -8.21M | -2.46M | -5.24M | -7.49M | -6.49M | 1.13M |
| Total Common Equity | 220.84M | 279.04M | 299.20M | 289.01M | 270.25M | 245.10M |
| Shareholders' Equity | 246.08M | 304.28M | 323.93M | 314.06M | 291.25M | 274.02M |
| Total Liabilities & Equity | 3.02B | 3.28B | 3.60B | 3.83B | 3.55B | 2.97B |
| Total Debt | 154.04M | 289.35M | 511.46M | 523.75M | 433.63M | 121.74M |
| Net Cash (Debt) | 347.01M | -12.03M | -193.44M | -243.49M | -203.53M | 290.63M |
| Net Cash Per Share | 19.57 | -0.70 | -11.37 | -14.38 | -11.73 | 16.86 |
| Filing Date Shares Outstanding | 30.75M | 17.36M | 17.16M | 16.96M | 16.94M | 16.98M |
| Total Common Shares Outstanding | 30.75M | 17.27M | 17.06M | 16.90M | 16.93M | 16.94M |
| Book Value Per Share | 7.18 | 16.15 | 17.54 | 17.10 | 15.96 | 14.47 |
| Tangible Book Value | 220.84M | 273.79M | 293.95M | 283.76M | 264.87M | 239.67M |
| Tangible Book Value Per Share | 7.18 | 15.85 | 17.23 | 16.79 | 15.64 | 14.15 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -12.53M | 18.62M | 29.48M | 45.58M | 34.24M | |
| Depreciation & Amortization | 968.00K | 249.00K | -555.00K | 2.29M | 3.05M | |
| Gain (Loss) on Sale of Assets | -4.00K | -77.00K | -376.00K | |||
| Gain (Loss) on Sale of Investments | 300.00K | -379.00K | 3.36M | 6.27M | -147.00K | |
| Provision for Credit Losses | 42.01M | 11.57M | 6.10M | -3.08M | 3.85M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 29.00K | 35.22M | -593.00K | 423.00K | 3.25M | |
| Accrued Interest Receivable | 1.34M | 896.00K | -2.62M | -4.27M | 3.74M | |
| Change in Other Net Operating Assets | -5.19M | -4.22M | -672.00K | -6.69M | 686.00K | |
| Other Operating Activities | 9.13M | 258.00K | -2.54M | -2.66M | -1.80M | |
| Operating Cash Flow | 35.92M | 67.73M | 35.16M | 40.89M | 45.89M | |
| Capital Expenditures | -1.05M | -1.23M | -4.53M | -518.00K | -325.00K | |
| Sale of Property, Plant and Equipment | 4.00K | 742.00K | ||||
| Investment in Securities | -21.09M | -11.46M | 7.48M | -16.13M | 6.46M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 244.42M | 234.80M | -231.62M | -734.32M | -11.71M | |
| Other Investing Activities | 10.10M | 645.00K | -4.80M | -10.53M | -3.26M | |
| Investing Cash Flow | 232.38M | 222.77M | -233.32M | -761.50M | -7.67M | |
| Short-Term Debt Issued | 160.00M | |||||
| Long-Term Debt Issued | 38.75M | 400.00M | 150.00M | 10.00M | ||
| Total Debt Issued | 38.75M | 400.00M | 310.00M | 10.00M | ||
| Short-Term Debt Repaid | -160.00M | |||||
| Long-Term Debt Repaid | -220.80M | -51.50M | -150.00M | -130.00M | ||
| Total Debt Repaid | -220.80M | -51.50M | -310.00M | -130.00M | ||
| Net Debt Issued (Repaid) | -220.80M | -12.75M | 90.00M | 310.00M | -120.00M | |
| Issuance of Common Stock | 1.12M | 824.00K | 1.77M | 639.00K | 765.00K | |
| Repurchase of Common Stock | -3.82M | -3.41M | -4.21M | |||
| Preferred Stock Issued | 520.00K | 9.69M | 15.27M | 6.81M | 3.20M | |
| Preferred Share Repurchases | -10.01M | -11.23M | -14.73M | |||
| Common Dividends Paid | -10.62M | -10.44M | -10.44M | -10.38M | -9.78M | |
| Preferred Dividends Paid | -1.93M | -1.83M | -702.00K | -796.00K | -1.16M | |
| Total Dividends Paid | -12.55M | -12.28M | -11.14M | -11.18M | -10.94M | |
| Net Increase (Decrease) in Deposit Accounts | -77.28M | -228.22M | 167.47M | 250.21M | 243.35M | |
| Financing Cash Flow | -309.00M | -252.74M | 248.33M | 538.34M | 112.17M | |
| Net Cash Flow | -40.70M | 37.76M | 50.16M | -182.27M | 150.40M | |
| Free Cash Flow | 34.87M | 66.50M | 30.63M | 40.37M | 45.57M | |
| Free Cash Flow Margin | 58.53% | 79.75% | 30.02% | 34.03% | 44.57% | |
| Free Cash Flow Per Share | 2.03 | 3.91 | 1.81 | 2.33 | 2.64 | |
| Cash Interest Paid | 81.06M | 102.57M | 81.59M | 15.47M | 15.59M | |
| Cash Income Tax Paid | 1.80M | 6.88M | 18.03M | 18.80M | 12.02M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 272.46M | 139.03M | 201.85M | 216.50M | 303.88M | 262.82M |
| Last Close Price | 8.86 | 7.93 | 10.81 | 11.09 | 14.74 | 12.22 |
| PE Ratio | 12.02 | 7.52 | 6.79 | 7.95 | ||
| PS Ratio | 2.33 | 2.42 | 2.12 | 2.56 | 2.57 | |
| PB Ratio | 1.23 | 0.46 | 0.62 | 0.69 | 1.04 | 0.96 |
| P/FCF Ratio | 7.96 | 3.99 | 3.04 | 7.07 | 7.53 | 5.77 |
| P/OCF Ratio | 7.71 | 3.87 | 2.98 | 6.16 | 7.43 | 5.73 |
| Debt / Equity Ratio | 0.63 | 0.95 | 1.58 | 1.67 | 1.49 | 0.44 |
| Debt / FCF Ratio | 8.30 | 7.69 | 17.10 | 10.74 | 2.67 | |
| Net Debt / Equity Ratio | -1.41 | 0.04 | 0.60 | 0.78 | 0.70 | -1.06 |
| Net Debt / FCF Ratio | 0.34 | 2.91 | 7.95 | 5.04 | -6.38 | |
| Return on Equity (ROE) | -54.68% | -3.99% | 5.84% | 9.74% | 16.13% | 13.09% |
| Return on Assets (ROA) | -4.84% | -0.36% | 0.50% | 0.80% | 1.40% | 1.18% |
| Earnings Yield | -98.87% | -9.01% | 9.23% | 13.62% | 15.00% | 13.03% |
| FCF Yield | 12.56% | 25.08% | 32.95% | 14.15% | 13.29% | 17.34% |
| Dividend Yield | 3.61% | 6.96% | 5.41% | 5.00% | 3.57% | 3.87% |
| Payout Ratio | 65.92% | 37.79% | 24.52% | 31.94% | ||
| Buyback Yield / Dilution | -3.41% | -0.99% | -0.51% | 2.40% | -0.64% | -0.07% |
| Total Shareholder Return | 0.20% | 5.97% | 4.90% | 7.40% | 2.93% | 3.79% |