BCB Bancorp, Inc. (BCBP) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+56.8%

$14.00

vs $8.93 price

Levered DCF

$27.22

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

0.87

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	-9.61×	11.96×	7.51×	6.81×	7.95×	9.71×	11.49×	10.26×
P/B	0.46×	0.62×	0.69×	1.05×	0.96×	0.76×	0.94×	0.81×
P/S	0.83×	1.02×	1.13×	2.29×	2.18×	1.57×	1.75×	1.44×
EV / EBITDA	-8.7×	14.89×	11.27×	7.98×	-0.54×	5.74×	-0.97×	10.36×
Gross margin	26.7%	42.3%	53.0%	89.2%	84.3%	65.1%	66.6%	71.2%
Operating margin	-11.0%	13.3%	21.5%	47.4%	39.9%	24.2%	23.5%	21.4%
Net margin	-7.5%	9.5%	15.3%	34.3%	28.3%	17.2%	16.3%	14.8%
Current ratio	0.11×	0.11×	0.1×	0.12×	0.2×	0.16×	0.28×	0.15×
Debt / equity	0.95×	1.58×	1.67×	1.49×	0.44×	0.98×	1.24×	1.41×
Interest coverage	-0.23×	0.26×	0.49×	3.61×	3.18×	0.89×	0.74×	0.88×
Dividend yield	9.1%	6.1%	5.1%	3.7%	4.2%	5.5%	4.5%	5.7%
Payout ratio	-100.2%	65.9%	37.8%	24.5%	31.9%	50.5%	47.8%	55.8%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	-4.1%	5.7%	9.4%	15.6%	12.5%	8.4%	8.8%	8.4%
Return on invested capital	-2.1%	2.2%	3.4%	6.2%	8.4%	4.1%	3.9%	3.4%
Return on assets	-0.4%	0.5%	0.8%	1.3%	1.2%	0.7%	0.7%	0.6%
Free cash flow yield	25.1%	33.0%	14.1%	13.2%	17.3%	72.4%	9.6%	23.6%
Earnings yield	-9.0%	9.2%	13.6%	14.9%	13.0%	10.9%	9.3%	10.3%
Enterprise value	$150.7M	$394.8M	$461M	$508.8M	-$27.3M	$172M	-$29.4M	$249.4M
Net debt / EBITDA	-0.69×	7.29×	5.97×	3.19×	-5.76×	-0.62×	-8.45×	3.59×
Cash conversion cycle (days)	28	28	30	37	28	39	24	27