US · BCBP
BCB Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Bayonne, NJ 07002
- Website
- bcb.bank
Price · as of 2025-12-31
$10.23
Market cap 137.83M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $104.84 | +924.83% |
| Intrinsic Value(DCF) | $23.33 | +128.05% |
| Graham-Dodd Method(GD) | $13.76 | +34.46% |
| Graham Formula(GF) | $4.81 | -52.97% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.30 | $977.52 | $11.54 | $6.59 | $24.65 |
| 2012 | $5.29 | $39.05 | $8.07 | $1.86 | $1.52 |
| 2013 | $7.43 | $68.50 | $23.95 | $9.63 | $42.15 |
| 2014 | $6.97 | $111.02 | $11.49 | $7.41 | $12.24 |
| 2015 | $6.11 | $35.36 | $15.40 | $9.94 | $18.61 |
| 2016 | $10.39 | $28.66 | $10.08 | $5.95 | $8.52 |
| 2017 | $10.62 | $39.59 | $13.32 | $9.59 | $14.09 |
| 2018 | $9.08 | $41.99 | $12.65 | $9.23 | $42.74 |
| 2019 | $8.26 | $60.83 | $14.44 | $11.52 | $27.66 |
| 2020 | $12.20 | $34.28 | $14.44 | $11.06 | $3.13 |
| 2021 | $14.42 | $73.00 | $14.48 | $16.17 | $15.16 |
| 2022 | $12.52 | $50.61 | $17.20 | $20.72 | $47.53 |
| 2023 | $9.18 | $48.58 | $24.77 | $17.45 | $88.77 |
| 2024 | $9.23 | $23.04 | $16.96 | $13.69 | $11.42 |
| 2025 | $8.10 | $104.84 | $8.07 | $13.76 | $4.81 |
AI valuation
Our deep-learning model estimates BCB Bancorp, Inc.'s (BCBP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $104.84
- Current price
- $10.23
- AI upside
- +924.83%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$23.33
+128.05% upside
Graham-Dodd
$13.76
+34.46% upside
Graham Formula
$4.81
-52.97% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BCBP | BCB Bancorp, Inc. | $10.23 | 137.83M | +925% | +128% | +34% | -53% | -11.11 | 0.46 | 0.84 | -16.37 | — | 0.47 | 26.74% | -10.99% | -7.53% | -3.99% | -2.55% | -0.36% | 0.99 | -0.23 | 255.40 | 255.40 | -15.67 | -18485.00% | -1549.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -16.37 | — | 1.80 | 1.15 |
| BFIN | BankFinancial Corporation | $12.00 | 149.53M | — | — | -32% | -66% | — | — | — | — | — | — | 66.18% | 6.75% | 5.48% | 2.61% | -2.14% | 0.28% | 0.25 | 0.25 | 0.35 | 0.35 | -15.48 | -5541.00% | 452.00% | -2556.00% | — | 0.01 | -2.87% | — | 122.40% | — | — | — | — | — |
| CFBK | CF Bankshares Inc. | $30.22 | 194.73M | +563% | -20% | +42% | -2% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| EBMT | Eagle Bancorp Montana, In… | $21.70 | 172.56M | 0% | -19% | -29% | -15% | 13.54 | 0.76 | 1.10 | 8.95 | — | 1.10 | 65.71% | 9.46% | 8.12% | 5.68% | 6.86% | 0.47% | 1.14 | 0.28 | 0.10 | 0.10 | 8.31 | -388.00% | 709.00% | -39855.00% | 10.92% | 0.02 | 10.14% | 3.43% | 46.40% | 35.23% | 15.94 | 12.55 | 1.51 | -0.68 |
| ECBK | ECB Bancorp, Inc. | $17.19 | 151.22M | +865% | +60% | +51% | +33% | 17.91 | 0.81 | 1.75 | 40.85 | 18.68 | 0.81 | 39.88% | 13.05% | 9.78% | 4.57% | 2.26% | 0.51% | 1.66 | 0.22 | 1.23 | 0.00 | 27.44 | 9583.00% | 1646.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 40.85 | — | 5.33 | 0.23 |
| FCAP | First Capital, Inc. | $50.80 | 170.44M | -49% | +172% | -35% | +47% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| LARK | Landmark Bancorp, Inc. | $27.74 | 168.5M | +17% | -17% | -38% | +74% | 9.50 | 0.91 | 1.39 | 9.19 | 143.87 | 1.26 | 65.62% | 15.89% | 14.67% | 9.88% | -27.73% | 0.83% | 0.65 | 0.50 | 0.04 | 0.04 | 3.87 | 660.00% | 1377.00% | 264.00% | 9.65% | 0.01 | -25.41% | 3.73% | 35.50% | 6.34% | 10.82 | 12.79 | 1.72 | -0.79 |
| MNSB | MainStreet Bancshares, In… | $22.20 | 166.42M | +779% | -12% | +75% | -38% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| PNBK | Patriot National Bancorp,… | $1.25 | 134.66M | +11,398% | -54% | — | — | -0.39 | 3.65 | 0.26 | 8.05 | -0.05 | 3.78 | 26.12% | -26.58% | -65.86% | -163.96% | -76.19% | -3.79% | 7.75 | -0.50 | 0.18 | 0.18 | 7.77 | 85524.00% | -641.00% | -12362.00% | 16.90% | 0.00 | 12.44% | 0.00% | 0.00% | 1691.96% | 7.38 | -45.18 | -1.96 | -1.04 |
| RMBI | Richmond Mutual Bancorpor… | $13.50 | 131.11M | +69% | -26% | -31% | +77% | 12.15 | 0.86 | 1.34 | 29.51 | 1105.58 | 0.87 | 50.19% | 12.77% | 11.03% | 7.01% | 3.96% | 0.63% | 1.99 | 0.26 | 0.16 | 0.16 | 20.40 | 110.00% | 1843.00% | 2433.00% | 12.54% | 0.01 | 6.04% | 5.00% | 60.80% | 16.29% | 32.34 | 24.59 | 4.13 | -0.52 |
| SRBK | SR Bancorp, Inc. Common s… | $16.55 | 126.94M | +3,410% | +204% | +38% | +37% | 24.46 | 0.65 | 2.51 | 11.91 | — | 0.75 | 66.30% | 12.24% | 10.26% | 2.61% | 3.16% | 0.49% | 0.17 | 0.37 | 0.07 | 0.07 | -2.90 | -13836.00% | 3042.00% | -24896.00% | 3.37% | 0.01 | 2.60% | 0.35% | 8.60% | 9.37% | 16.46 | 23.83 | 2.01 | -0.56 |
About BCB Bancorp, Inc.
BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that provides banking products and services to businesses and individuals in the United States. The company offers deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides loans, such as commercial and multi-family real estate, one-to-four family mortgage, commercial business, small business administration, construction, home equity and lines of credit, and consumer loans, as well as residential loans secured by one-to-four family dwellings, condominiums, and cooperative units. In addition, the company offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, fraud detection services, and automated teller services. As of December 31, 2021, it operated 29 branch offices in Bayonne, Carteret, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Parsippany, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, as well as three branches in Staten Island and Hicksville, New York. The company was founded in 2000 and is headquartered in Bayonne, New Jersey.
- CEO
- Michael A. Shriner
- Employees
- 264
- Beta
- 0.72
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($23.33 ÷ $10.23) − 1 = +128.05% (DCF, example).