BCB BANCORP INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data BCB BANCORP INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Interest expense	16.3	15.7	27.4	41	33	15.2	17.5	84.3
Interest income			0.61	0.57	1.69	3.27	4.17	4.23	3.95	4.05
Pre-tax income	13.3	20.2	24.2	30.3	29.4	48.3	63.1	41.5	26.3	-18.3
Income tax	5.26	10.2	7.48	9.31	8.57	14	17.5	12	7.65	-5.77
Net income	8	9.98	16.8	21	20.9	34.2	45.6	29.5	18.6	-12.5
EPS, basic	0.63	0.76	1.02	1.20	1.14	1.94	2.64	1.71	0.99	-0.84
EPS, diluted	0.63	0.75	1.01	1.20	1.14	1.92	2.58	1.70	0.99	-0.84
Shares, basic (weighted)	11.2	12.4	15.6	16.4	17.2	17.1	17	16.9	17	17.2
Shares, diluted (weighted)	11.3	12.5	15.7	16.4	17.2	17.2	17.3	16.9	17	17.2
Dividend per share	0.14	0.14	0.56	0.56	0.56		0.64	0.64	0.64	0.64

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	65	124	195	261	261	412	229	280	317	277
Property, plant and equipment	19.4	18.8	20.3	19.9	15.3	12.2	10.5	13.1	12.6	12.1
Lease right-of-use assets				13.2	15	12.5	13.5	12.9	12.7	10.7
Goodwill			5.23	5.2			5.2			5.3
Total assets	1,708	1,943	2,675	2,907	2,821	2,968	3,546	3,832	3,599	3,279
Short-term debt	20						60
Long-term debt	155	185
Lease liabilities				10.8	13.3	10.5	12.2	11.5	11.3	8.84
Total liabilities	1,577	1,766	2,475	2,668	2,572	2,694	3,255	3,518	3,275	2,975
Total debt	155	185
Paid-in capital	120	164	176	190	192	194	196	199	201	203
Retained earnings	28.2	31.2	38.4	48.4	58.3	81.2	115	136	142	116
Treasury stock	-29.1	-29.1	-28.3	-22	-26.9	-31.1	-34.5	-38.3	-38.3	-38.3
Other comprehensive income	-3.86	-3.14	-5.08	-2.22	-0.21	1.13	-6.49	-7.49	-5.24	-2.46
Shareholders' equity	131	176	200	239	249	274	291	314	324	304
Total equity	131	176	200	239	249	274	291	314	324	304
Total liabilities and equity	1,708	1,943	2,675	2,907	2,821	2,968	3,546	3,832	3,599	3,279
Shares outstanding	11.3	15	15.9	17.5	17.1	16.9	16.9	16.9	17.1	17.3

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	8	9.98	16.8	21	20.9	34.2	45.6	29.5	18.6	-12.5
Stock-based compensation	0.13	0.2	0.25	0.99	1.19	0.42	1.13	0.59	0.77	1.02
Deferred income tax	1.49	3.93	-2.08	1.28	-2.01	-0.98	-1.01	-2.54	0.26	-5.94
Cash from operations	7.24	21	40	24.3	139	45.9	40.9	35.2	67.7	35.9
Capital expenditures	-6.08	-1.91	-1.57	-2.51	-1.39	-0.33	-0.52	-4.53	-1.23	-1.05
Acquisitions			-2.55
Purchases of investments					-77.1	-26.1	-27.5	-12.5	-15.2	-62.3
Sales and maturities of investments	6.16	28.1	23.3	22.5	32.7	32.6	10.1	14.7	3.77	41.2
Cash from investing	-160	-183	-466	135	-315	-7.67	-762	-233	223	232
Debt issued	10	85
Debt repaid	-55	-55
Stock issued	0.34	43.3	0.47	19.1	0.36	0.48	0.42	1.36	0.82	1.12
Share buybacks					-4.87	-4.21	-3.41	-3.82
Dividends paid	-6.02	-6.54	-8.4	-8.71	-9.23	-9.78	-10.4	-10.4	-10.4	-10.6
Cash from financing	84.9	221	497	196	-113	112	538	248	-253	-309
Net change in cash	-67.6	59.2	71	355	-289	150	-182	50.2	37.8	-40.7
Free cash flow	1.16	19.1	38.5	21.8	138	45.6	40.4	30.6	66.5	34.9
Interest paid	16.5	15.7	25.6	40.8	34.3	15.6	15.5	81.6	103	81.1
Income taxes paid	5.32	4.29	9.16	10.1	12.7	12	18.8	18	6.88	1.8

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $8.75 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Return on equity (ROE)	-6.0%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	-0.6%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	-167.3%	Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y	-184.8%	EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y	-47.0%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-4.2%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-23.7%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-47.6%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-4.8%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	-24.0%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	0.0%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	2.7%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	-6.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	1.5%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	4.1%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	-8.9%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-2.6%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	3.1%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	1.0%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.3%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-0.0%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	90.6%	Total liabilities / total assets.
Goodwill and intangibles / assets	0.0%	(Goodwill + intangible assets) / total assets.
Tangible book value	$291.9M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Capex / operating cash flow	3.1%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	-$1.02	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$1.98	Free cash flow / diluted weighted shares.
Operating cash flow per share	$2.04	Cash from operations / diluted weighted shares.
Book value per share	$16.13	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$16.13	Tangible book value / shares outstanding.
Cash per share	$10.88	(Cash + short-term investments) / shares outstanding.
Dividends / FCF	23.4%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$158.4M	Share price x shares outstanding.
Enterprise value	-$38.5M	Market cap + total debt - cash - short-term investments.
P/B	0.54x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.54x	Market cap / tangible book value, when positive.
P/FCF	4.63x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	4.48x	Market cap / cash from operations, when positive.
FCF yield	21.6%	Free cash flow / market cap.
Earnings yield	-11.1%	Net income / market cap (the inverse of P/E).
Dividend yield	5.1%	Dividends paid over the period / market cap.
Shareholder yield	5.1%	(Dividends paid + share buybacks) / market cap.

Was BCB BANCORP INC profitable in fiscal 2025?

No. It reported a net loss of $12.5M.

How much free cash flow did BCB BANCORP INC generate in fiscal 2025?

Cash from operations of $35.9M minus capital expenditures of $1.0M left free cash flow of $34.9M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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