BCB Bancorp
Provides relationship banking, lending, deposits, and cash management across New Jersey and New York.
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Profile
Offers lending, deposit accounts, and cash management through BCB Community Bank, serving individuals and businesses primarily in New Jersey and New York. A single banking segment makes credit performance and deposit funding central to operations.
BCB Community Bank provides commercial, residential, and consumer lending, deposit accounts, and cash-management services to individuals and businesses in New Jersey and New York.
The parent company has one reportable banking segment and no significant activity beyond owning the bank. Its relationship-banking model emphasizes access to loan officers and senior leaders, alongside branches, ATMs, and online convenience.
Operations depend on credit underwriting, collateral recovery, commercial and real-estate borrower performance, and deposit funding and pricing. Recent credit costs were concentrated in cannabis-related, commercial, and Business Express lending portfolios, as disclosed in the latest filing.
Company facts
Categories
Key statistics
Year to date +7.9% · Average volume (30d) 165.6K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Feb 10, 2026 | Piper Sandler | Reiterate | Neutral | $14 | $9 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 3, 2026Q2 FY26 | $0.25 | −$0.85 | −446.9% | $25.6M | $22.9M | −10.5% | −2.00% |
| Apr 21, 2026Q1 FY26 | $0.25 | $0.26 | +4.0% | $25.8M | $24.9M | −3.3% | +0.61% |
| Jan 30, 2026Q4 FY25 | −$0.80 | −$0.73 | +8.2% | $18.1M | $26.2M | +44.6% | +4.56% |
| Oct 27, 2025Q3 FY25 | $0.21 | $0.22 | +4.8% | $25.2M | $26.5M | +4.9% | −2.63% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $46.0M | $45.3M | $45.8M | $29.4M | $42.4M | $29.4M | |
| Gross profit | $3.0M | $20.3M | $22.4M | −$1.1M | $22.0M | −$6.7M | |
| Operating income | −$11.7M | $5.0M | $5.8M | −$17.4M | $6.6M | −$18.2M | |
| Net income | −$8.3M | $3.6M | $4.3M | −$12.0M | $4.9M | −$14.8M | |
| Diluted EPS | −$0.51 | $0.18 | $0.22 | −$0.73 | $0.26 | −$0.86 | |
| Gross margin | 6.4% | 44.8% | 48.9% | -3.8% | 51.9% | -23.0% | |
| Operating margin | -25.5% | 11.1% | 12.7% | -59.2% | 15.6% | -62.1% |
Fiscal years (4-quarter sums)FY21 $120.9M · FY22 $133.0M · FY23 $192.4M · FY24 $196.9M · FY25 $166.4M
Balance sheet, Jun 30, 2026Cash & short-term investments $14.6M · Total debt $179.3M · Total assets $3.12B · Shareholders' equity $291.9M
Dividends
Raised for 18 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 6, 2026 | May 6 | May 20 | $0.08 | |
| Feb 11, 2026 | Feb 11 | Feb 26 | $0.08 | cut from $0.16 |
| Nov 10, 2025 | Nov 10 | Nov 24 | $0.16 | |
| Aug 11, 2025 | Aug 11 | Aug 25 | $0.16 | |
| May 7, 2025 | May 7 | May 21 | $0.16 | |
| Feb 7, 2025 | Feb 7 | Feb 24 | $0.16 | |
| Nov 1, 2024 | Nov 1 | Nov 15 | $0.16 | |
| Aug 2, 2024 | Aug 2 | Aug 16 | $0.16 |
Ownership
Shares outstanding 17.36M · Float 15.04M · 86.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.28M | 7.39% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 750.1K | 4.32% | 13F | Aug 11, 2026 |
| Mark D. Hogan · director | 730.4K | 4.21% | Form 4 | Mar 2, 2026 |
| Vanguard Capital Management LLC | 713.2K | 4.11% | 13F | Aug 13, 2026 |
| Thomas M. OBrien · director, officer: Chief Executive Officer | 709.2K | 4.08% | Form 4 | Jul 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 4, 2026 | Gerald Werdann | director | +4,400 | $11.28 |
| Feb 27, 2026 | Mark D. Hogan | director | +5,000 | $7.97 |
| Feb 10, 2026 | Michael J. Widmer | director | +2,000 | $8.40 |
Peers
- Provident Financial Services
NJ/NY relationship bank spanning deposits and commercial lending
- Valley National Bancorp
Larger regional bank in NJ/NY commercial lending and deposits
- Dime Commercial Bancshares
NY metro commercial bank focused on business and CRE relationships
- JPMorgan Chase
National bank competing for retail and small-business deposits
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BCB Bancorp | $8.60 | −0.12% | $149.3M | — | 19.1 | 1.0 | −9.2% |
| Provident Financial Services | $23.71 | +0.91% | $3.06B | 9.8 | 9.4 | 2.2 | +9.7% |
| Valley National Bancorp | $13.92 | 0.00% | $7.71B | 11.6 | 9.8 | 2.6 | +13.3% |
| Dime Commercial Bancshares | $40.47 | −0.02% | $1.79B | 14.6 | 10.7 | 2.4 | +17.1% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Median | 13.1 | 10.2 | 2.5 | +15.2% |