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Bcb Bancorp Inc

BCBP Nasdaq Savings Institution, Federally Chartered Financials FY2016–FY2025

Bcb Bancorp Inc had $102M of revenue in fiscal 2025, up 7.0% on the year before. Over five years, revenue changed +1.8% a year on average.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$8.63

0.5%

What Bcb Bancorp Inc does

BCBP Β· Savings Institution, Federally Chartered

No business description yet.

Legal name
BCB BANCORP INC
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 9, 2026
Accession Β· CIK
0001228454-26-000004
0001228454
Charts by

KIRA’s summary AI analyst

Hi! I read Bcb Bancorp Inc’s latest annual report (fiscal 2025). Here is what stands out:

1 strength 2 to watch

1.Sales and profit

See section β†’
  • Bcb Bancorp Inc had $102M of revenue in fiscal 2025, up 7.0% on the year before. Over five years, revenue changed +1.8% a year on average.
  • Bcb Bancorp Inc lost $12.5M in fiscal 2025.

Bcb Bancorp Inc in 30 seconds

Good So-so Weak

Good

Are sales growing?

+7.0%

Yes. Sales grew 7.0% last year.

Weak

Does it make a profit?

βˆ’12.3%

No. It lost money last year.

Weak

How lean are its costs?

76.7%

Costly. Running costs take 76.7% of revenue.

Weak

How much does it earn on its capital?

βˆ’4.0%

Low. It earns βˆ’4.0% a year on shareholders’ money.

For information

How is the share priced?

β€”

No P/E: it made no profit over the last four quarters.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$149M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
β€”
On βˆ’$1.10 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· Bcb Bancorp Inc had $102M of revenue in fiscal 2025, up 7.0% on the year before. Over five years, revenue changed +1.8% a year on average.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned βˆ’4.0% on shareholders’ money. Running costs took 76.7% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Bcb Bancorp Inc lost $12.5M in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned βˆ’4.0% on shareholders’ money. Running costs took 76.7% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Bcb Bancorp Inc did it, and the next one. Share prices often move a lot on those days.

Next results

October 29, 2026

Thursday Β· in 4 days

Time
Before the market opens
Covers
Period ended Sep 30, 2026
Expected EPS
βˆ’$7.35
Source
Earnings calendar

No past results dates on file yet.

Revenue and margins

KIRA Β· Bcb Bancorp Inc had $102M of revenue in fiscal 2025, up 7.0% on the year before. Over five years, revenue changed +1.8% a year on average.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· Bcb Bancorp Inc lost $12.5M in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income
Net income
Diluted EPS
Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· Bcb Bancorp Inc returned $10.6M to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count rose 1.0%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $2.3B$3.0Bβ€”β€”β€”
Deposits $2.6B$2.8B$3.0B$2.8B$2.7B
Loans / deposits 90.0%108.3%β€”β€”β€”
Total assets $3.0B$3.5B$3.8B$3.6B$3.3B
Shareholders' equity $274M$291M$314M$324M$304M
Goodwill β€”$5.2Mβ€”β€”$5.3M
Provision / loans 0.2%βˆ’0.1%β€”β€”β€”

Returns and efficiency

KIRA Β· It earned βˆ’4.0% on shareholders’ money. Running costs took 76.7% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $61.2M $69.4M $85.6M $88.0M $92.9M $106M $116M $108M $95.0M $102M
Net interest income $55.1M $61.9M $77.7M $82.6M $80.4M $97.4M $114M $104M $92.0M $93.0M
Noninterest income $6.1M $7.5M $8.0M $5.4M $12.5M $8.7M $1.6M $4.1M $2.9M $8.6M
Noninterest expense $47.9M $47.0M $56.3M $55.6M $54.0M $54.0M $55.5M $60.6M $57.1M $77.9M
Provision for credit losses $0.0M $2.1M $5.1M $2.1M $9.4M $3.9M βˆ’$3.1M β€” β€” β€”
Interest expense $16.3M $15.7M $27.4M $41.0M $33.0M $15.2M $17.5M $84.3M β€” β€”
Pretax income $13.3M $20.2M $24.2M $30.3M $29.4M $48.3M $63.1M $41.5M $26.3M βˆ’$18.3M
Income tax $5.3M $10.2M $7.5M $9.3M $8.6M $14.0M $17.5M $12.0M $7.6M βˆ’$5.8M
Net income $8.0M $10.0M $16.8M $21.0M $20.9M $34.2M $45.6M $29.5M $18.6M βˆ’$12.5M
Net income to common $7.1M $9.4M $15.8M $19.7M $19.6M $33.1M $44.8M $28.8M $16.8M βˆ’$14.5M
Diluted EPS $0.63 $0.75 $1.01 $1.20 $1.14 $1.92 $2.58 $1.70 $0.99 βˆ’$0.84
Diluted shares 0.01B 0.01B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B
Cash flow
Cash from operations $7.2M $21.0M $40.0M $24.3M $139M $45.9M $40.9M $35.2M $67.7M $35.9M
Capital expenditure $6.1M $1.9M $1.6M $2.5M $1.4M $0.3M $0.5M $4.5M $1.2M $1.0M
Free cash flow $1.2M $19.1M $38.5M $21.8M $138M $45.6M $40.4M $30.6M $66.5M $34.9M
Stock-based compensation $0.1M $0.2M $0.3M $1.0M $1.2M $0.4M $1.1M $0.6M $0.8M $1.0M
Share buybacks β€” β€” β€” β€” $4.9M $4.2M $3.4M $3.8M β€” β€”
Dividends paid $6.0M $6.5M $8.4M $8.7M $9.2M $9.8M $10.4M $10.4M $10.4M $10.6M
Dividends and buybacks $6.0M $6.5M $8.4M $8.7M $14.1M $14.0M $13.8M $14.3M $10.4M $10.6M
Balance sheet
Cash and short-term investments $65.0M $124M $195M $261M $261M $412M $229M $280M $317M $277M
Total debt $175M $185M β€” β€” β€” β€” $60.0M β€” β€” β€”
Loans, net $1.5B $1.6B $2.3B $2.2B $2.3B $2.3B $3.0B β€” β€” β€”
Deposits $1.4B $1.6B $2.2B $2.4B $2.3B $2.6B $2.8B $3.0B $2.8B $2.7B
Property and equipment, net $19.4M $18.8M $20.3M $19.9M $15.3M $12.2M $10.5M $13.1M $12.6M $12.1M
Goodwill β€” β€” $5.2M $5.2M β€” β€” $5.2M β€” β€” $5.3M
Total assets $1.7B $1.9B $2.7B $2.9B $2.8B $3.0B $3.5B $3.8B $3.6B $3.3B
Total liabilities $1.6B $1.8B $2.5B $2.7B $2.6B $2.7B $3.3B $3.5B $3.3B $3.0B
Shareholders' equity $131M $176M $200M $239M $249M $274M $291M $314M $324M $304M
Margins
Net margin 13.1% 14.4% 19.6% 23.9% 22.5% 32.3% 39.4% 27.3% 19.6% βˆ’12.3%
FCF margin 1.9% 27.6% 44.9% 24.7% 148.5% 43.0% 34.9% 28.3% 70.0% 34.3%
Net interest share of revenue 90.0% 89.2% 90.7% 93.9% 86.6% 91.8% 98.6% 96.2% 96.9% 91.6%
Efficiency ratio 78.3% 67.8% 65.7% 63.2% 58.2% 50.9% 48.0% 56.0% 60.2% 76.7%
Returns
Return on equity 6.1% 6.5% 8.9% 9.6% 8.5% 13.1% 16.1% 9.7% 5.8% βˆ’4.0%
Return on assets 0.5% 0.5% 0.7% 0.8% 0.7% 1.2% 1.4% 0.8% 0.5% βˆ’0.4%
Return on tangible equity 5.4% 5.3% 8.1% 8.4% 7.8% 12.1% 15.7% 9.2% 5.2% βˆ’4.8%
Growth
Revenue growth β€” 13.4% 23.5% 2.7% 5.6% 14.2% 8.9% βˆ’6.4% βˆ’12.2% 7.0%
Net income growth β€” 24.7% 67.9% 25.5% βˆ’0.8% 64.2% 33.1% βˆ’35.3% βˆ’36.8% βˆ’167.3%
EPS growth β€” 19.0% 34.7% 18.8% βˆ’5.0% 68.4% 34.4% βˆ’34.1% βˆ’41.8% βˆ’184.8%
FCF growth β€” 1,543.1% 101.1% βˆ’43.4% 534.2% βˆ’67.0% βˆ’11.4% βˆ’24.1% 117.1% βˆ’47.6%
Share count change β€” 11.2% 25.2% 4.9% 4.9% 0.1% 0.6% βˆ’2.4% 0.5% 1.0%
Financial health
Debt / equity 1.3x 1.0x β€” β€” β€” β€” 0.2x β€” β€” β€”
Loans / deposits 106.7% 104.7% 104.5% 92.2% 99.0% 90.0% 108.3% β€” β€” β€”
Provision / loans 0.0% 0.1% 0.2% 0.1% 0.4% 0.2% βˆ’0.1% β€” β€” β€”
Capital allocation
Capex / revenue 9.9% 2.8% 1.8% 2.9% 1.5% 0.3% 0.4% 4.2% 1.3% 1.0%
Stock comp / revenue 0.2% 0.3% 0.3% 1.1% 1.3% 0.4% 1.0% 0.5% 0.8% 1.0%
Payouts / FCF 516.8% 34.2% 21.8% 40.1% 10.2% 30.7% 34.1% 46.5% 15.7% 30.5%
Quality scores
Piotroski F-score β€” 5.0 β€” β€” β€” β€” β€” β€” β€” β€”
Accruals ratio 0.0% βˆ’0.6% βˆ’1.0% βˆ’0.1% βˆ’4.1% βˆ’0.4% 0.1% βˆ’0.2% βˆ’1.3% βˆ’1.4%

Source: SEC EDGAR XBRL filings (CIK 0001228454). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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