BCB BANCORP INC (BCBP)
Financials · Regional Banks · NASDAQ
BCB Bancorp is a community-oriented bank holding company currently executing a major balance sheet and credit portfolio restructuring to address legacy asset quality issues and strengthen its capital position.
What BCB BANCORP INC does
BCB Bancorp, Inc. is the bank holding company for BCB Community Bank, a New Jersey-chartered commercial bank that provides traditional retail and commercial banking services. The bank operates a network of branches primarily in New Jersey and New York, offering deposit products and loans, with a historical focus on commercial and multi-family real estate lending. Under new leadership, the company is currently undergoing a comprehensive financial and credit portfolio restructuring.
Recent developments
The company is undergoing a comprehensive credit portfolio re-evaluation expected to conclude by the end of Q3 2026. Management has suspended all common and preferred stock dividends and is pursuing a change of state of incorporation to Delaware to modernize its corporate structure.
From BCB BANCORP INC's filing of 2026-08-10.
Themes: community banking, commercial real estate lending, turnaround / restructuring, balance sheet optimization
Fundamentals
- Price$8.31 as of 2026-10-08 close
- Market cap$150M as of 2026-08-01 (share count; price 2026-10-08)
- 1-year return-0.4% 2025-10-08 close $8.34 → 2026-10-08 close $8.31
- P/En/a negative earnings
- ROE-4.1% FY2025, SEC XBRL
- Debt / equity0.15 as of 2026-09-03
- Revenue growth (YoY)+46.8% as of 2026-09-03
- Beta0.67 as of 2026-09-03
- Last reported earnings2026-08-07 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.7%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How BCBP compares in its sector
- return on equitybottom 10% 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BCBP's dividend was covered by reported results (free-cash-flow payout 30%). This describes past coverage, not a forecast.
- Earnings payoutnot assessable earnings were not positive that year
- Free-cash-flow payout30% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BCB BANCORP INC looks technically
BCB BANCORP INC (BCBP) is trading 8.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 11 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 35, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 11 trading days ago. It is 29.0% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 8.9% below its 200-day average, the long-term trend line — a long-term downtrend | -8.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $8.74 | $8.74 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $9.12 | $9.12 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 20 calendar days ago — the swings before that are what the structure reading is measured on | 20 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 8.93. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 11 trading days ago — a "death cross", a bearish long-term signal | 11 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 21.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 35, neither overbought (above 70) nor oversold (below 30) | 35.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($8.20 to $8.85) — its "stochastic" reading is 17 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 16.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $11.71 | $11.71 |
|---|---|---|
| From the 52-week high | it is 29.0% below its 52-week high (its highest price of the past year) | -29.0% |
| Above the 52-week low | it is 13.7% above its 52-week low (its lowest price of the past year) | +13.7% |
| Below the 52-week high | it is 29.0% below its highest point of the past year | 29.0% |
| Since a 20-day breakout | it made a new 20-day high about 11 trading days ago | 11 sessions |
| Since a 55-day breakout | it made a new 55-day low about 17 trading days ago | 17 sessions |
| All-time high | its highest closing price on record is $20.71 (set on 2022-04-26) | $20.71 |
| Given back of the 52-week move | over the past year its closes ranged ($7.45 to $11.47), and it has given back well over two thirds of its rise from last year’s low — 79% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $8.86 to $8.99. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 78.6% |
| From the all-time high | it is 59.9% below its all-time high | -59.9% |
| Nearest price level | it is trading 2.6% below a resistance level at $8.53 — a price it turned at six times since 2025-07-16, most recently on 2026-09-01. Since 2024-10-08 it has 4 such levels below the current price and 10 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.6% |
| All-time low | its lowest closing price on record is $7.00 (set on 2010-07-09) | $7.00 |
| Above the all-time low | it is 18.7% above its all-time low | +18.7% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2154 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2154 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.24 and $8.86 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $8.24 – $8.55 – $8.86 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 3.8 daily ranges below its 200-day average price (8.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.8 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.73× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
4
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 6 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 6 sessions ago |
| Since a bullish engulfing | 6 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 6 sessions ago |
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 0.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.1% |
|---|---|---|
| Open gap | it gapped 10.5% below the previous close 47 sessions ago and has not traded back through the level it left behind at 9.99 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -10.5% |
| Gap filled | a 2.9% gap down opened on 2026-09-18 has been "filled" 14 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 14 sessions ago |
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 5.5 percentage points (the stock lost 4.5% while the market gained 1.0%) | -5.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 18.8 percentage points (the stock lost 14.9% while the market gained 3.8%) | -18.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 28.5 percentage points (the stock lost 11.0% while the market gained 17.5%) | -28.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 15.3 percentage points (the stock lost 0.4% while the market gained 15.0%) | -15.3% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 8.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 8.9% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -8.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 10% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $9.19 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -9.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-08-03 (its 8-K), so the typical buyer over that stretch is under water. That average is $8.69 — a volume-weighted average of daily closes over 48 sessions, not a true tick-by-tick VWAP. | -4.4% |
Price levels it has turned at before
BCBP last closed at $8.31 on 2026-10-08. Since 2024-10-08 it has turned at 4 prices below its last close and 10 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $8.53 | Resistance | 2.6% above the last close | turned there six times · 2025-07-16 to 2026-09-01 |
| $8.02 | Support | 3.5% below the last close | turned there four times · 2025-05-01 to 2026-09-16 |
| $8.69 | Resistance | 4.5% above the last close | turned there four times · 2025-04-07 to 2026-02-18 |
| $7.75 | Support | 6.7% below the last close | turned there three times · 2025-06-05 to 2026-03-02 |
| $8.99 | Resistance | 8.2% above the last close | turned there four times · 2025-07-22 to 2026-09-18 |
| $7.54 | Support | 9.3% below the last close | turned there twice · 2025-06-13 to 2026-01-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $8.93.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $4.67 and $6.30 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $8.93.
This reading has stood for 10 trading days, since 2026-09-25.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent death cross (50-day crossed below 200-day) · Pulled back from the 12-month high · MACD just crossed bearish (12/26/9) · lagging the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$8.95 range $8.35 – $9.50; median $9.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BCBP
- Consensus EPS estimate-$9.06 next reporting period, as of 2026-10-06
- Estimate change, 30 days-$9.00 from -$0.055, on 2026-09-01, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Potential for further loan deterioration and losses identified during ongoing comprehensive credit portfolio re-evaluation.","Liquidity and capital pressures exacerbated by double leverage at the holding company and suspension of dividends.","Credit risks associated with historically aggressive lending practices in specialized portfolios like 'Business Express' and commercial real estate."]
What changed in the latest 10-Q
AI-assisted comparison of BCBP's 10-Q filed 2026-08-10 against the prior one filed 2026-05-01.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-10) states the Company had $3.118 billion in consolidated assets, $2.636 billion in deposits and $291.9 million in consolidated stockholders' equity as of June 30, 2026.
- Newer filing (2026-08-10) states the Bank operated twenty-two branches as of June 30, 2026.
- Newer filing (2026-08-10) lists a branch in Hicksville, New York separately, stating the Bank operated 'three branches in Staten Island and one in Hicksville, New York'.
- Newer filing (2026-08-10) refers to the Bank as 'a member of the FHLB System'.
- Newer filing (2026-08-10) uses the phrase 'one-to-four family mortgage loans'.
- Removed:
- Older filing (2026-05-01) states the Company had $3.269 billion in consolidated assets, $2.672 billion in deposits and $307.4 million in consolidated stockholders' equity as of March 31, 2026.
- Older filing (2026-05-01) states the Bank operated twenty-three branches as of March 31, 2026.
- Older filing (2026-05-01) lists 'Parsippany' among the New Jersey branch locations.
- Older filing (2026-05-01) describes the New York branches as 'three branches in Hicksville and Staten Island, NY'.
- Older filing (2026-05-01) refers to the Bank as 'a member of the Federal Home Loan Bank System'.
- Older filing (2026-05-01) uses the phrase 'one- to four-family mortgage loans'.
- Reworded:
- Newer filing (2026-08-10) changed 'a New Jersey corporation, and is the holding company parent' to 'a New Jersey corporation and is the holding company parent' (removed comma).
- Newer filing (2026-08-10) changed 'opened for business on November 1, 2000 as Bayonne Community Bank' to 'opened for business on November 1, 2000, as Bayonne Community Bank' (added comma).
- Newer filing (2026-08-10) changed 'increases in Federal Deposit Insurance Corporation, or FDIC, insurance rates' to 'increases in Federal Deposit Insurance Corporation ("FDIC") insurance rates'.
- Newer filing (2026-08-10) changed 'annual Report on Form 10-K' to 'Annual Report on Form 10-K' (capitalized 'Annual').
- Newer filing (2026-08-10) changed 'fraud detection (positive pay), and automated teller services' to 'fraud detection' (truncated in newer text; full extent of change not assessable from provided text).
- Notes:
- The newer text appears truncated at the end of the MD&A excerpt ('fraud detection'), so changes beyond that point cannot be assessed.
- The older text includes a page break marker ('27') within the MD&A section that is not present in the same location in the newer text.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-042 buys ($1M) · 0 sells — 2 buying insiders
- Last 90 days · read to 2026-10-042 buys ($1M) · 0 sells — 2 buying insiders
- Last 180 days · read to 2026-10-043 buys ($1M) · 0 sells — 3 buying insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-18. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BCBP's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BCBP as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,380,254
- Reported value $25,516,322
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BCBP's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BCBP had 1,019,912 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BCBP had 5.63% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.99 days to cover at the same settlement.
- Reported short interest (shares) 1,019,912
- Short interest (% of shares outstanding) 5.63%
- Prior settlement (shares) 898,654
- Reported change 13.49%
- Days to cover (reported) 7.99
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Valley National Bancorp (VLY)
- ConnectOne Bancorp (CNOB)
- OceanFirst Financial (OCFC)
- Investors Bancorp (now part of Citizens Financial Group) (CFG)
- Provident Financial Services (PFS)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare BCBP vs…
Frequently asked questions
What does BCB BANCORP INC (BCBP) do?
BCB Bancorp, Inc. is the bank holding company for BCB Community Bank, a New Jersey-chartered commercial bank that provides traditional retail and commercial banking services. The bank operates a network of branches primarily in New Jersey and New York, offering deposit products and loans, with a historical focus on commercial and multi-family real estate lending. Under new leadership, the company is currently undergoing a comprehensive financial and credit portfolio restructuring.
What sector is BCB BANCORP INC (BCBP) in?
BCB BANCORP INC (BCBP) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does BCBP pay a dividend?
Yes — BCB BANCORP INC (BCBP) pays a dividend, with an indicated yield of about 3.67% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are BCB BANCORP INC's (BCBP) competitors?
Notable peers of BCB BANCORP INC (BCBP) include Valley National Bancorp, ConnectOne Bancorp, OceanFirst Financial, Investors Bancorp (now part of Citizens Financial Group) and Provident Financial Services. This peer set is informational only — not financial advice.
Is BCB BANCORP INC (BCBP) overbought or oversold right now?
BCB BANCORP INC (BCBP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 35, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BCBP come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.