BCB Bancorp, Inc.

NasdaqGM:BCBP Stock Report

Market Cap: US$137.4m

BCB Bancorp Valuation

Is BCBP undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of BCBP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

US$18.98
Fair Value
58.2% undervalued intrinsic discount
3
Number of Analysts

Below Fair Value: BCBP ($7.94) is trading below our estimate of fair value ($18.98)

Significantly Below Fair Value: BCBP is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BCBP?

Key metric: As BCBP is a barely profitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for BCBP. This is calculated by dividing BCBP's market cap by their current book value.
What is BCBP's PB Ratio?
PB Ratio0.5x
BookUS$293.21m
Market CapUS$137.38m

Price to Book Ratio vs Peers

How does BCBP's PB Ratio compare to its peers?

The above table shows the PB ratio for BCBP vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1.1x
PNBK Patriot National Bancorp
2.2xn/aUS$139.1m
BSBK Bogota Financial
0.8xn/aUS$110.0m
MCBI Mountain Commerce Bancorp
1xn/aUS$147.9m
FGBI First Guaranty Bancshares
0.4xn/aUS$100.4m
BCBP BCB Bancorp
0.5x101.63%US$137.4m

Price-To-Book vs Peers: BCBP is good value based on its Price-To-Book Ratio (0.5x) compared to the peer average (1.1x).

Price to Book Ratio vs Industry

How does BCBP's PB Ratio compare vs other companies in the US Banks Industry?

5 CompaniesPrice / BookEstimated GrowthMarket Cap
FRCB First Republic Bank
0.002xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.07xn/aUS$10.72m
SBNY Signature Bank
0.0003xn/aUS$2.18m
BKES.F Banco Espírito Santo
n/an/aUS$56.01k
BCBP 0.5xIndustry Avg. 1.0xNo. of Companies140PB00.61.21.82.43+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: BCBP is good value based on its Price-To-Book Ratio (0.5x) compared to the US Banks industry average (1x).

Price to Book Ratio vs Fair Ratio

What is BCBP's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BCBP PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.5x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate BCBP's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst BCBP forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$7.94
US$10.17
+28.04%
12.91%US$12.00US$9.00n/a3
Oct ’26US$8.65
US$10.06
+16.33%
15.94%US$12.75US$8.50n/a4
Sep ’26US$8.90
US$10.06
+13.06%
15.94%US$12.75US$8.50n/a4
Aug ’26US$8.10
US$10.06
+24.23%
15.94%US$12.75US$8.50n/a4
Jul ’26US$8.83
US$10.19
+15.37%
16.22%US$12.75US$8.50n/a4
Jun ’26US$8.10
US$10.56
+30.40%
13.00%US$12.75US$9.00n/a4
May ’26US$8.37
US$10.56
+26.19%
13.00%US$12.75US$9.00n/a4
Apr ’26US$9.85
US$12.56
+27.54%
15.44%US$15.00US$10.00n/a4
Mar ’26US$10.13
US$13.19
+30.18%
11.00%US$15.00US$11.00n/a4
Feb ’26US$10.83
US$13.92
+28.50%
5.93%US$15.00US$13.00n/a3
Jan ’26US$11.84
US$14.67
+23.87%
3.21%US$15.00US$14.00n/a3
Dec ’25US$13.27
US$13.88
+4.56%
5.33%US$15.00US$13.00n/a4
Nov ’25US$11.87
US$13.88
+16.89%
5.33%US$15.00US$13.00US$7.944
Oct ’25US$11.83
US$13.94
+17.81%
6.99%US$15.50US$13.00US$8.654
Sep ’25US$12.41
US$13.88
+11.80%
7.37%US$15.50US$13.00US$8.904
Aug ’25US$12.09
US$13.88
+14.76%
7.37%US$15.50US$13.00US$8.104
Jul ’25US$10.32
US$12.50
+21.12%
19.39%US$16.50US$10.00US$8.834
Jun ’25US$10.00
US$12.50
+25.00%
19.39%US$16.50US$10.00US$8.104
May ’25US$9.73
US$12.50
+28.47%
19.39%US$16.50US$10.00US$8.374
Apr ’25US$10.25
US$13.75
+34.15%
13.24%US$16.50US$11.50US$9.854
Mar ’25US$10.43
US$14.25
+36.63%
9.45%US$16.50US$13.00US$10.134
Feb ’25US$12.20
US$14.25
+16.80%
9.45%US$16.50US$13.00US$10.834
Jan ’25US$12.85
US$13.88
+7.98%
10.92%US$16.50US$13.00US$11.844
Dec ’24US$11.89
US$13.00
+9.34%
16.54%US$16.50US$11.00US$13.274
Nov ’24US$10.21
US$13.00
+27.33%
16.54%US$16.50US$11.00US$11.874
US$10.17
Fair Value
21.9% undervalued intrinsic discount
3
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/31 04:51
End of Day Share Price 2025/10/31 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BCB Bancorp, Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullD.A. Davidson & Co.
Manuel NavasD.A. Davidson & Co.
null nullD.A. Davidson & Co.