BCB Bancorp Inc (BCBP) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, BCB Bancorp reported revenue of $101.6M, up 7.0% from $95.0M the year before. Net income was -$12.5M (a -12.3% net margin), or -$0.84 per diluted share. Net interest income was $93.0M, and the efficiency ratio (noninterest expense / revenue) was 76.7%. Operating activities generated $35.9M of cash, leaving $34.9M of free cash flow. At fiscal year end, BCB Bancorp held $3.28B in total assets against $2.98B in total liabilities.
Open the full interactive BCB Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
BCB Bancorp Key Stats
| Share Price | $8.16 |
|---|---|
| Market Cap | $141.2M |
| Revenue YoY Growth | +7.0% |
| 52-Week Range | $7.32 – $11.47 |
| Shares Outstanding | 17.3 million (basic, 2026 Q2) |
BCB Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $80.4M | $97.4M | $113.9M | $104.1M | $92.0M | $93.0M |
| Provision for Credit Losses | $9.4M | $3.9M | -$3.1M | $6.1M | $11.6M | $42.0M |
| Noninterest Income | $12.5M | $8.7M | $1.6M | $4.1M | $2.9M | $8.6M |
| Noninterest Expense | $54.0M | $54.0M | $55.5M | $60.6M | $57.1M | $77.9M |
| Revenue | $92.9M | $106.1M | $115.5M | $108.2M | $95.0M | $101.6M |
| Pre-Tax Income | $29.4M | $48.3M | $63.1M | $41.5M | $26.3M | -$18.3M |
| Income Tax | $8.6M | $14.0M | $17.5M | $12.0M | $7.6M | -$5.8M |
| Net Income | $20.9M | $34.2M | $45.6M | $29.5M | $18.6M | -$12.5M |
| Diluted EPS | $1.14 | $1.92 | $2.58 | $1.70 | $0.99 | -$0.84 |
BCB Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $26.5M | $26.2M | $24.9M | $22.9M |
| Net Income | $4.3M | -$12.0M | $4.9M | -$14.8M |
| Diluted EPS | $0.22 | -$0.70 | $0.26 | -$0.85 |
BCB Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $2.30B | $2.30B | $3.05B | — | — | — |
| Total Assets | $2.82B | $2.97B | $3.55B | $3.83B | $3.60B | $3.28B |
| Deposits | $2.32B | $2.56B | $2.81B | $2.98B | $2.75B | $2.67B |
| Total Long-Term Debt | $228.2M | $109.0M | $359.8M | $38.1M | $498.3M | $278.2M |
| Total Liabilities | $2.57B | $2.69B | $3.25B | $3.52B | $3.28B | $2.98B |
| Shareholders' Equity | $249.2M | $274.0M | $291.3M | $314.1M | $323.9M | $304.3M |
BCB Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $139.3M | $45.9M | $40.9M | $35.2M | $67.7M | $35.9M |
| Cash From Investing | -$315.5M | -$7.7M | -$761.5M | -$233.3M | $222.8M | $232.4M |
| Cash From Financing | -$113.0M | $112.2M | $538.3M | $248.3M | -$252.7M | -$309.0M |
| Free Cash Flow | $138.0M | $45.6M | $40.4M | $30.6M | $66.5M | $34.9M |
Figures from BCB Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full BCB Bancorp financials page for every line item.
BCB Bancorp Company Profile
| Ticker | BCBP |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Bayonne, New Jersey |
| Incorporated in | New Jersey |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001228454 |
Frequently Asked Questions
What was BCB Bancorp's revenue in fiscal 2025?
BCB Bancorp (BCBP) reported revenue of $101.6M for fiscal 2025.
What is BCB Bancorp's annual revenue history?
BCB Bancorp's annual revenue by fiscal year: 2020: $92.9M; 2021: $106.1M; 2022: $115.5M; 2023: $108.2M; 2024: $95.0M; 2025: $101.6M.
What was BCB Bancorp's net income in fiscal 2025?
BCB Bancorp reported net income of -$12.5M for fiscal 2025.
What was BCB Bancorp's earnings per share (EPS) in fiscal 2025?
BCB Bancorp's diluted EPS was -$0.84 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did BCB Bancorp generate in fiscal 2025?
BCB Bancorp generated $34.9M of free cash flow in fiscal 2025.
What was BCB Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), BCB Bancorp reported revenue of $22.9M.
How much debt does BCB Bancorp have?
BCB Bancorp reported $278.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of BCB Bancorp are outstanding?
BCB Bancorp reported a weighted average of 17.3 million basic shares outstanding in 2026 Q2.
What is BCB Bancorp's market cap?
Based on its latest closing price, BCB Bancorp (BCBP) has a market capitalization of about $141.2M.
When does BCB Bancorp's fiscal year end?
BCB Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is BCB Bancorp headquartered?
BCB Bancorp lists its business address in Bayonne, New Jersey in its SEC filings.
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