BCB Bancorp Inc (BCBP) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BCB Bancorp Inc $9.19, price $8.69, upside +5.8%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $7.27 – $16.49 · fair‑value band $5.31 – $12.25 · the $8.69 price screens below the $9.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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BCB Bancorp, Inc. operates as the bank holding company for BCB Community Bank that provides various banking products and services to businesses and individuals in the United States.
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BCB Bancorp, Inc. operates as the bank holding company for BCB Community Bank that provides various banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club accounts, interest and non-interest-bearing demand, money market, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multifamily real estate, one-to-four family mortgage, commercial business, construction, home equity, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository, debit cards, online and mobile banking, fraud detection, and automated teller services. BCB Bancorp, Inc. was founded in 2000 and is based in Bayonne, New Jersey.
Stock analysis
BCB Bancorp Inc (BCBP) currently trades at $8.69, while our model-based Fair Value estimate is $9.19, implying the stock looks roughly 5.4% fairly valued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $11.74 per share, and 1 of the 3 models we run sit above the $8.69 price.
Bear case: the Dividend Discount group reads lowest at $8.00, and 2 of the 3 models stay below the price. Evidence for this calculation is medium.
Scenario range: $5.31 (bear) to $12.25 (bull), the price of $8.69 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BCB Bancorp Inc reported revenue of $166M in FY2025 versus $121M in FY2021, a compound +8.3%/yr. Reported net income was −$12.5M in FY2025.
Key figures
Market cap $193M · P/S ratio 2.45 · EPS (TTM) $−0.0700 · Dividend yield 5.5% · Net margin −7.5% · Return on equity 0.2% · Return on assets (EBIT) 0.9% · Operating margin 33.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 24% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 6%, BCBP screens cheaper than that median.
Fair Value models
Bear $5.31Fair Value $9.19Bull $12.25
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−15.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
Start year 2020 (pandemic). Over 10 years: +8.4% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+53.0%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
24.2% (2020) → −11.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−15.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −16.9% a year for the price.
News mood ⓘNews mood, the average tone of recent news (88 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+6% · Above median
Profitability
Return on equity (TTM)0% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)34% · Below median
Growth and dividend
Revenue growth651% · Top 25%
Dividend yield (TTM)5.5% · Top 25%
Balance sheet
Debt / equity0.91× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is BCB Bancorp Inc (BCBP) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $9.19 versus a price of $8.69, about +6% upside (fairly valued).
What is the fair value of BCBP?
Our model-based fair value for BCB Bancorp Inc is $9.19 (as of Sep 23, 2026), built from audited fundamentals. The current price: $8.69.
What is the quality score of BCBP?
BCB Bancorp Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BCB Bancorp Inc (BCBP)?
Our model-based price target is the fair value of $9.19 (as of Sep 23, 2026) from 3 valuation models. Cautious scenario $5.31, optimistic scenario $12.25. It is a calculation from audited fundamentals, not an analyst target.
What is the BCB Bancorp Inc stock forecast for 2026?
Our models put fair value at $9.19, about +6% upside versus a price of $8.69 (fairly valued). Cautious scenario $5.31, optimistic scenario $12.25. The calculation is refreshed regularly with new filings.
What is the revenue of BCB Bancorp Inc (BCBP)?
BCB Bancorp Inc reported trailing-twelve-month revenue of about $78.8M (latest available figure, as of Sep 23, 2026).
Does BCB Bancorp Inc pay a dividend?
BCB Bancorp Inc currently shows a dividend yield of about 5.52% relative to its recent price (as of Sep 23, 2026).
What growth is priced into BCB Bancorp Inc (BCBP)?
For today's price to be fair in a discounted-cash-flow model, BCB Bancorp Inc would have to grow free cash flow by -15.0 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.5 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of BCBP use?
Our models discount BCB Bancorp Inc at 11.8 %: a base by market capitalisation (micro), damped by beta 0.69, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For BCB Bancorp Inc that is -15.0 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has BCB Bancorp Inc (BCBP) delivered so far?
Over the past 5 years revenue at BCB Bancorp Inc grew +6.5 % a year. The price currently implies -15.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of BCB Bancorp Inc (BCBP) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into BCB Bancorp Inc (-15.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of BCB Bancorp Inc (BCBP)?
The free-cash-flow yield on the price is 23.35 %: that much free cash flow BCB Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BCB Bancorp Inc (BCBP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BCB Bancorp Inc it is $9.19 per share (as of Sep 23, 2026), against a price of $8.69. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is BCB Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BCBP trades below its calculated fair value: price $8.69, fair value $9.19, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCBP?
No. The price is what the market pays today ($8.69); the fair value is what the company's own numbers justify ($9.19). For BCB Bancorp Inc the two are $0.5000 per share apart. That gap is exactly why we show both numbers side by side.
How much is BCB Bancorp Inc worth?
The market values BCB Bancorp Inc at about $193M (market capitalisation, as of Sep 23, 2026). Per share that is $8.69; our models calculate a fair value of $9.19 per share.
What do the bullish and bearish scenarios say about BCBP?
Our models span a range for BCB Bancorp Inc: cautious scenario $5.31, base $9.19, optimistic $12.25 per share (as of Sep 23, 2026, price $8.69). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of BCBP?
The PEG ratio of BCB Bancorp Inc is 1.05 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of BCB Bancorp Inc (BCBP)?
Balance-sheet figures for BCB Bancorp Inc (as of Sep 23, 2026): return on equity 0.2%, debt of 0.91 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is BCBP from its 52-week high?
BCB Bancorp Inc trades at $8.69, about 24% below its 52-week high of $11.47 and 19% above the low of $7.32 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $9.19 is for.
Which stocks are comparable to BCB Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BCB Bancorp Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $8.69, calculated fair value $9.19 (+6%), Quality Score 50/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCBP calculated?
We run BCB Bancorp Inc through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $9.19, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. BCB Bancorp Inc currently trades 6 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BCB Bancorp Inc (BCBP)?
The closing price on Sep 23, 2026 was $8.69. Our model-based fair value is $9.19, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BCB Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($5.31 to $12.25) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of BCB Bancorp Inc (BCBP) come from?
Earnings per share at BCB Bancorp Inc grew +7.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.0 %, EBIT margin −0.1 %, tax rate +2.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of BCB Bancorp Inc
How large is the market capitalisation of BCB Bancorp Inc (BCBP)?
The market capitalisation of BCB Bancorp Inc is $193M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BCB Bancorp Inc (BCBP)?
The price-to-sales ratio of BCB Bancorp Inc is 2.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BCB Bancorp Inc (BCBP)?
Earnings per share at BCB Bancorp Inc are $−0.0700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BCB Bancorp Inc (BCBP)?
The dividend yield of BCB Bancorp Inc is 5.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of BCB Bancorp Inc (BCBP)?
The net margin of BCB Bancorp Inc is −7.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BCB Bancorp Inc (BCBP)?
The return on equity (ROE) of BCB Bancorp Inc is 0.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BCB Bancorp Inc (BCBP)?
On an EBIT basis the return on assets of BCB Bancorp Inc is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BCB Bancorp Inc (BCBP)?
The operating margin of BCB Bancorp Inc is 33.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BCB Bancorp Inc (BCBP)?
Revenue at BCB Bancorp Inc is growing +651% versus a year earlier (3y avg +7.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BCB Bancorp Inc (BCBP)?
Earnings per share at BCB Bancorp Inc are growing −39.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does BCB Bancorp Inc (BCBP) carry?
The net debt of BCB Bancorp Inc is $12.0M (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Sep 23, 2026