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BCB Bancorp, Inc (BCBP) Fair Value & Analysis

Financial Services · US · Market cap $193M

Price$10.27
Fair Value$9.44
Upside-8.1%
Quality95/100
Evidence: Medium Range $5.39 – $12.68

Fair value as of: Jun 26, 2026

Analysis

BCB Bancorp, Inc (BCBP) currently trades at $10.27, while our model-based Fair Value estimate is $9.44 — implying the stock looks roughly 8.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

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.

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Frequently asked questions

Is BCB Bancorp, Inc (BCBP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.44 versus a price of $10.27 — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BCBP?
Our 21-model fair value for BCB Bancorp, Inc is $9.44 (as of Jun 26, 2026), built from audited fundamentals. The current price is $10.27.
What is the quality score of BCBP?
BCB Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.