BCB Bancorp, Inc. (BCBP) Income Statement Analysis

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Complete financial analysis of BCB Bancorp, Inc. (BCBP) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of BCB Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.

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BCB Bancorp, Inc. (BCBP)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.bcb.bank

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.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000
Revenue	108.15M	115.54M	105.72M	88.52M	88.00M	85.64M	69.37M	61.18M	60.58M	53.85M	50.15M	34.48M	41.53M	40.29M	20.32M	20.82M	17.67M	19.04M	16.80M	14.38M	10.28M	6.30M	534.00K	4.00K
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	108.15M	115.54M	105.72M	88.52M	88.00M	85.64M	69.37M	61.18M	60.58M	53.85M	50.15M	34.48M	41.53M	40.29M	20.32M	20.82M	17.67M	19.04M	16.80M	14.38M	10.28M	6.30M	534.00K	4.00K
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	31.91M	35.31M	34.79M	32.62M	33.94M	33.15M	28.27M	30.11M	24.81M	22.01M	17.46M	16.92M	13.86M	11.34M	5.80M	5.49M	5.70M	5.21M	4.43M	3.98M	2.81M	1.55M	0.00	0.00
Selling & Marketing	1.35M	941.00K	554.00K	127.00K	334.00K	422.00K	433.00K	1.60M	2.22M	1.03M	583.00K	484.00K	399.00K	336.00K	273.00K	241.00K	326.00K	329.00K	164.00K	161.00K	169.43K	78.78K	0.00	0.00
SG&A	33.26M	36.25M	35.34M	32.75M	34.27M	33.57M	28.70M	31.72M	27.03M	23.05M	18.04M	17.40M	14.26M	11.67M	6.07M	5.73M	6.03M	5.54M	4.59M	4.14M	2.98M	1.63M	0.00	0.00
Other Expenses	74.89M	-16.85M	-92.80M	-91.85M	-91.92M	-67.55M	-14.12M	-14.23M	0.00	0.00	0.00	0.00	-46.37M	-36.14M	-20.02M	-21.26M	-16.74M	-15.80M	-13.92M	-12.49M	-9.25M	-5.75M	-810.00K	-173.00K
Operating Expenses	108.15M	4.71M	-57.46M	-59.10M	-57.65M	-33.98M	14.12M	14.23M	46.45M	38.41M	31.44M	33.89M	-32.11M	-24.46M	-13.95M	-15.53M	-10.72M	-10.26M	-9.32M	-8.35M	-6.27M	-4.12M	-810.00K	-173.00K
Cost & Expenses	108.15M	4.71M	-57.46M	-59.10M	-57.65M	-33.98M	60.59M	60.66M	46.45M	38.41M	31.44M	33.89M	-32.11M	-24.46M	-13.95M	-15.53M	-10.72M	-10.26M	-9.32M	-8.35M	-6.27M	-4.12M	-810.00K	-173.00K
Interest Income	174.67M	131.44M	111.61M	113.43M	123.56M	105.10M	77.57M	71.36M	67.38M	60.20M	57.36M	53.65M	52.88M	40.10M	34.38M	36.62M	34.39M	31.26M	25.17M	20.70M	14.14M	9.34M	1.79M	173.00K
Interest Expense	84.30M	17.50M	15.18M	33.02M	40.95M	27.42M	15.69M	16.30M	13.87M	10.31M	10.58M	11.95M	13.30M	13.67M	14.99M	16.66M	17.82M	13.48M	9.25M	6.95M	4.34M	3.38M	0.00	0.00
Depreciation & Amortization	-555.00K	2.30M	3.05M	3.06M	2.96M	2.83M	2.52M	2.42M	1.70M	693.00K	1.99M	2.60M	2.36M	2.52M	730.00K	-283.00K	-270.00K	-315.00K	-196.00K	-27.00K	-84.02K	143.15K	0.00	0.00
EBITDA	0.00	63.75M	50.48M	29.99M	0.00	0.00	21.28M	13.88M	13.54M	13.33M	17.96M	-1.72M	11.07M	16.47M	6.73M	5.01M	6.68M	8.47M	7.28M	6.00M	0.00	0.00	-276.00K	-169.00K
EBITDA Ratio	0.00%	70.32%	47.75%	33.74%	34.31%	60.12%	30.67%	22.68%	22.36%	24.76%	35.81%	-4.98%	28.38%	45.54%	34.94%	24.06%	37.80%	44.49%	43.33%	41.73%	38.18%	36.91%	-51.69%	-4,225.00%
Operating Income	0.00	80.61M	48.26M	29.42M	30.34M	51.66M	20.21M	13.26M	11.84M	12.64M	15.97M	-4.31M	9.42M	15.83M	6.37M	5.29M	6.95M	8.79M	7.47M	6.03M	4.01M	2.18M	-276.00K	-169.00K
Operating Income Ratio	0.00%	69.76%	45.65%	33.24%	34.48%	60.32%	29.14%	21.67%	19.55%	23.47%	31.84%	-12.51%	22.69%	39.29%	31.35%	25.42%	39.33%	46.14%	44.49%	41.92%	39.00%	34.64%	-51.69%	-4,225.00%
Total Other Income/Expenses	41.46M	0.00	-1.23M	-1.27M	-9.53M	-10.61M	-802.00K	0.00	0.00	0.00	0.00	-3.11M	-1.13M	-644.00K	0.00	283.00K	-17.55M	0.00	0.00	0.00	-136.00	2.18M	0.00	566.00K
Income Before Tax	41.46M	63.11M	48.26M	29.42M	30.34M	24.25M	20.21M	13.26M	11.84M	12.64M	15.97M	-4.31M	9.42M	15.83M	6.37M	5.29M	6.95M	8.79M	7.47M	6.03M	4.01M	2.18M	0.00	0.00
Income Before Tax Ratio	38.33%	54.62%	45.65%	33.24%	34.48%	28.31%	29.14%	21.67%	19.55%	23.47%	31.84%	-12.51%	22.69%	39.29%	31.35%	25.42%	39.33%	46.14%	44.49%	41.92%	39.00%	34.64%	0.00%	0.00%
Income Tax Expense	11.97M	17.53M	14.02M	8.57M	9.31M	7.48M	10.23M	5.26M	4.81M	5.05M	6.55M	-2.25M	3.37M	1.51M	2.62M	1.82M	2.51M	3.22M	2.75M	2.41M	1.61M	871.66K	276.00K	169.00K
Net Income	29.48M	45.58M	34.24M	20.86M	21.03M	16.76M	9.98M	8.00M	7.03M	7.59M	9.42M	-2.06M	6.05M	14.33M	3.75M	3.47M	4.44M	5.57M	4.73M	3.62M	2.40M	1.31M	-276.00K	-169.00K
Net Income Ratio	27.26%	39.45%	32.39%	23.56%	23.90%	19.57%	14.39%	13.08%	11.61%	14.10%	18.77%	-5.98%	14.57%	35.55%	18.45%	16.68%	25.12%	29.23%	28.15%	25.17%	23.30%	20.79%	-51.69%	-4,225.00%
EPS	1.71	2.64	1.94	1.14	1.20	1.08	0.76	0.63	0.69	0.81	1.06	-0.23	0.64	2.06	0.81	0.75	0.92	1.11	1.25	0.97	0.66	0.43	-0.14	-0.09
EPS Diluted	1.70	2.58	1.92	1.14	1.20	1.07	0.75	0.63	0.69	0.81	1.06	-0.23	0.64	2.05	0.80	0.74	0.90	1.08	1.20	0.93	0.64	0.43	-0.14	-0.09
Weighted Avg Shares Out	16.87M	16.97M	17.06M	17.21M	16.37M	15.57M	12.40M	11.24M	8.85M	8.37M	8.40M	8.94M	9.42M	6.97M	4.66M	4.63M	4.82M	5.01M	3.77M	3.71M	3.59M	3.03M	1.97M	1.97M
Weighted Avg Shares Out (Dil)	16.93M	17.35M	17.24M	17.23M	16.42M	15.66M	12.51M	11.25M	8.88M	8.40M	8.40M	8.94M	9.43M	6.98M	4.68M	4.71M	4.94M	5.17M	3.94M	3.88M	3.72M	3.05M	1.97M	1.97M

Is BCB Bancorp NJ (BCBP) Stock Undervalued Right Now?

April 21, 2022zacks.com

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...