BCB BANCORP INC (BCBP)
Financials · regional banking · NASDAQ
BCB Bancorp is a New Jersey-based community-oriented bank holding company focused on commercial real estate lending and retail banking services.
What BCB BANCORP INC does
BCB Bancorp is a bank holding company that operates primarily through its subsidiary, BCB Community Bank. It provides a range of community-oriented financial services, including commercial and multi-family real estate lending, residential mortgage loans, commercial business loans, and various FDIC-insured deposit products. The company serves customers through a branch network located in New Jersey and New York.
Themes: community banking, commercial real estate lending, mortgage lending, retail banking
Fundamentals
- Price$8.76 as of 2026-08-21 close
- Market cap$159M as of 2026-08-21
- 1-year return+2.5% 2025-08-21 close $8.55 → 2026-08-21 close $8.76
- P/En/a negative earnings
- Net margin+31.6% as of 2026-08-24
- ROE-5.8% as of 2026-08-24
- Debt / equity0.15 as of 2026-08-24
- Revenue growth (YoY)+46.8% as of 2026-08-24
- Beta0.69 as of 2026-08-24
- Last reported earnings2026-08-07 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.5%; 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
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 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 2.8% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 92 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 38, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 36, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 10 trading days ago. It is 25.2% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 2.8% below its 200-day average, the long-term trend line — a long-term downtrend | -2.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $10.01 | $10.01 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $9.01 | $9.01 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 92 trading days ago — a "golden cross", a bullish long-term signal | 92 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 38, with sellers in control | 37.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 36, neither overbought (above 70) nor oversold (below 30) | 35.7 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($8.57 to $9.76) — its "stochastic" reading is 16 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 climbing within that range over the last few sessions. | 16.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 16 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 25.2% below its 52-week high (its highest price of the past year) | -25.2% |
| Above the 52-week low | it is 19.8% above its 52-week low (its lowest price of the past year) | +19.8% |
| Below the 52-week high | it is 25.2% below its highest point of the past year | 25.2% |
| Since a 20-day breakout | it made a new 20-day low about 10 trading days ago | 10 sessions |
| Since a 55-day breakout | it made a new 55-day low about 10 trading days ago | 10 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 — 67% 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. | 67.4% |
| From the all-time high | it is 57.7% below its all-time high | -57.7% |
| Nearest price level | it is trading 1.9% above a support level at $8.60 — a price it turned at 8 times since 2025-04-07, most recently on 2026-08-10. Since 2024-08-21 it has 5 such levels below the current price and 8 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.9% |
| 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 25.1% above its all-time low | +25.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 94% of the past ~6 months) | 94th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3003 between its high and its low — about 3.4% 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 | $0.3003 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $7.93 and $10.59 — 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 | $7.93 – $9.26 – $10.59 |
| Typical daily range (% of price) | its price moves about 3.4% in a typical session — about typical for the 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 | 3.4% |
| Stretch from the 200-day average | it is trading 0.8 daily ranges below its 200-day average price (2.8% 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 | 0.8 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 | 0.74× |
|---|
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 | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| 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 bearish engulfing | 2 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 | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.0% above 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 | +1.0% |
|---|---|---|
| Open gap | it gapped 10.5% below the previous close 14 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 6.6% gap up opened on 2026-06-01 has been "filled" 43 sessions ago — price traded back through the level the gap left behind, and it took 11 sessions to close | 43 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.04% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 17.0 percentage points (the stock lost 14.7% while the market gained 2.3%) | -17.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 13.8 percentage points (the stock lost 10.7% while the market gained 3.1%) | -13.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 8.4 percentage points (the stock gained 2.7% while the market gained 11.1%) | -8.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 18.0 percentage points (the stock gained 2.5% while the market gained 20.5%) | -18.0% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, 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 16% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 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 moderate, spanning 2.0% of the share price. | -16.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $9.51 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -7.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% 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 $8.98 — a volume-weighted average of daily closes over 15 sessions, not a true tick-by-tick VWAP. | -2.4% |
Price levels it has turned at before
BCBP last closed at $8.76 on 2026-08-21. Since 2024-08-21 it has turned at 5 prices below its last close and 8 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $8.60 | Support | 1.9% below the last close | turned there 8 times · 2025-04-07 to 2026-08-10 |
| $9.01 | Resistance | 2.8% above the last close | turned there three times · 2025-07-22 to 2025-09-23 |
| $9.21 | Resistance | 5.1% above the last close | turned there twice · 2025-08-26 to 2026-04-17 |
| $9.42 | Resistance | 7.5% above the last close | turned there three times · 2025-03-11 to 2026-05-18 |
| $7.99 | Support | 8.8% below the last close | turned there three times · 2025-05-01 to 2026-03-11 |
| $7.75 | Support | 11.5% below the last close | turned there three times · 2025-06-05 to 2026-03-02 |
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
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
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 · Pulled back from the 12-month high · lagging the market · Printed a doji candle · At the bottom of its 14-day range (stochastic below 20) · Near the golden pocket (has given back about two thirds of its 52-week move) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.33 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$11.75 range $11.00 – $13.25; median $11.00
Analyst estimates, as of 2026-08-18. 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-$0.055 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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)
["Interest rate sensitivity and fluctuations impacting net interest margin.","Credit risk concentrations in commercial real estate and multi-family property loans.","Regulatory oversight and compliance requirements as a bank holding company."]
What changed in the latest 10-Q
AI-assisted comparison of BCBP's 10-Q filed 2026-05-01 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added bullet point in forward-looking statements risk factors: 'failure to identify and adequately and promptly address cybersecurity risks, including data breaches and cyberattacks;' (filed 2026-05-01)
- Added bullet point in forward-looking statements risk factors: 'developments in technology, such as artificial intelligence, and our ability to incorporate innovative technologies in our business and provide products and services that satisfy our customers' expectations for convenience and security;' (filed 2026-05-01)
- Removed:
- Removed text about critical accounting estimates discussion that was present in older filing: 'At September 30, 2025, the Company considers the allowance for credit losses to be a critical accounting estimate.' and 'See further discussion of this critical' (filed 2025-11-05)
- Reworded:
- Balance sheet date changed from 'September 30, 2025' to 'March 31, 2026' in Overview section (filed 2026-05-01)
- Consolidated assets changed from '$3.353 billion' to '$3.269 billion' (filed 2026-05-01)
- Deposits changed from '$2.687 billion' to '$2.672 billion' (filed 2026-05-01)
- Consolidated stockholders' equity changed from '$318.5 million' to '$307.4 million' (filed 2026-05-01)
- Branch operation date reference changed from 'At September 30, 2025' to 'At March 31, 2026' (filed 2026-05-01)
- Page number changed from '29' to '27' (filed 2026-05-01)
- Wording change in Forward-Looking Statements: 'civil unrest in the communities that we serve; and other factors' changed to 'civil unrest in the communities that we serve; and' followed by separate bullet point 'other factors discussed elsewhere in this report...' (filed 2026-05-01)
- Notes:
- The newer filing text appears truncated at 'Critical accounting esti' making full comparison of Critical Accounting Estimates section incomplete
- Comparison is based on the provided text excerpts; any changes beyond these sections are not assessed
Risk Factors
- Reworded:
- Balance sheet date changed from September 30, 2025 and December 31, 2024 to March 31, 2026 and December 31, 2025
- Consolidated Statements of Operations period changed from three months and nine months ended September 30 to three months ended March 31 with comparative periods for 2025 and 2024
- Consolidated Statements of Comprehensive Income period changed from three months and nine months ended September 30 to three months ended March 31
- Consolidated Statements of Changes in Stockholders' Equity period changed from nine months ended September 30, 2025 to three months ended March 31, 2026
- Notes:
- Both filings present consolidated financial statements; the newer filing (2026-05-01) contains Q1 2026 data while the older filing (2025-11-05) contains Q3 2025 data
- The financial data itself differs due to different reporting periods, not due to restatements or accounting changes
- Risk Factors section page number changed from 37 (older) to 34 (newer), indicating a shorter Risk Factors section in the newer filing
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)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days.
- Last 90 days1 buy ($49632) · 0 sells — 1 buying insider
- Last 180 days2 buys ($89482) · 0 sells — 2 buying insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-04. As of 2026-08-24.
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 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,990,044
- Reported value $17,870,595
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 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.
Short interest (FINRA)
BCBP had 773,477 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
BCBP had 4.27% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.38 days to cover at the same settlement.
- Reported short interest (shares) 773,477
- Short interest (% of shares outstanding) 4.27%
- Prior settlement (shares) 689,482
- Reported change 12.18%
- Days to cover (reported) 5.38
Reported to FINRA as of the 2026-07-31 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)
- Peapack-Gladstone Financial (PGC)
- Lakeland Bancorp (LBAI)
- Investors Bancorp (ISBC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BCB BANCORP INC (BCBP) do?
BCB Bancorp is a bank holding company that operates primarily through its subsidiary, BCB Community Bank. It provides a range of community-oriented financial services, including commercial and multi-family real estate lending, residential mortgage loans, commercial business loans, and various FDIC-insured deposit products. The company serves customers through a branch network located in New Jersey and New York.
What sector is BCB BANCORP INC (BCBP) in?
BCB BANCORP INC (BCBP) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does BCBP pay a dividend?
Yes — BCB BANCORP INC (BCBP) pays a dividend, with an indicated yield of about 5.48% 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 2026-08-24). 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, Peapack-Gladstone Financial and Lakeland Bancorp. 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 36, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BCBP come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.