BCB Bancorp Inc. (NJ) Common Stock (BCBP)

FairStock Score: 41/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn steady returns on equity and lend conservatively. BCB Bancorp is a small community bank with 295 employees, and the record has turned uneven. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported a net loss of $14.8 million and diluted EPS of -$0.85. That loss swamps the profits filed in fiscal Q1 2026 ($4.9 million), fiscal Q3 2025 ($4.3 million), and fiscal Q2 2025 ($3.6 million). For FY2025, the company reported a net loss of $12.5 million and diluted EPS of -$0.84, after FY2024 net income of $18.6 million and FY2023 net income of $29.5 million. FairStock-based figures show revenue growth of -9.15%, profit growth of -514.59%, ROE of -5.81%, and ROCE of -0.54%. At the close on 2026-10-13, the price was $8.16, with a P/E of -7.35, P/B of 0.55, and Piotroski F-Score of 3/9. A discount to book can be a Graham signal, but for a bank it is often a warning about credit. The data lacks CET1, net interest margin, nonperforming loans, and reserve coverage, so I cannot judge the loan book. The Lynch category is TURNAROUND—a loss in the latest year after earlier profits. Until underwriting and capital are clearer, the apparent cheapness does not give me the margin of safety I require.

In plain English: BCB Bancorp is a small bank holding company that takes deposits and makes loans, mostly for real estate. The business looks weak right now: it lost money in its latest quarter and in its latest full year after making profits in earlier years. The stock price is low compared with the bank's stated book value, but the losses and missing credit details make it hard to say it is truly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer