BCB Bancorp, Inc. (BCBP)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$8.67+0.23%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BCBP
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -62.4% |
| Our one-year growth estimate | diamond | -30.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 32.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has been missing across recent quarters and has erratic recent earnings surprises. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 219 industry peers
BCBP — legal / regulatory event — Changes in Registrant’s Certifying Accountant
Dated 2026-09-03
Changes in Registrant’s Certifying Accountant. (a) Dismissal of Independent Registered Public Accounting Firm On September 2, 2026, BCB Bancorp, Inc. (the “Company”) communicated to Wolf & Company, P.C. (“Wolf & Co”) that it has been dismissed as the Company’s independent registered public accounting firm. The dismissal was approved by the Audit Committee of the Company. During the Company’s two most recent fiscal years ended December 31, 2025 and December 31, 2024 and during the subsequent i…
Why it matters: Fewer non-accrual loans would mean better asset quality. It shows better risk management.
Supportive ifNon-accrual loans drop below $59.8 million. This shows the company has better asset quality.
Worry ifNon-accrual loans go up or stay above $59.8 million. This shows ongoing credit problems.
Why it matters: The court case outcome could affect BCB Bancorp's money and image.
Worry ifA court ruling that hurts BCB Bancorp's finances or operations.
Less concerning ifThe court case is dropped or ends well for BCB Bancorp.
Why it matters: Court cases can affect money and operations. Bad results could hurt the stock.
Worry ifCourt cases end with a good result for the company.
Less concerning ifCourt cases end with a ruling against the company.
Why it matters: Stopping dividends may change how investors feel. It could also affect the stock price.
Worry ifThe stock price stays the same or goes up after August 6. This shows investors accept it.
Less concerning ifThe stock price drops a lot after August 6. This shows investors are unhappy.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$108 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $321 loss on $10,000 · 3.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,616 loss on $10,000 · 26.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Changes in these loans will show how well the credit portfolio review is working.
Watch forCriticized and classified loans drop a lot from $367.4 million.
Also watch forCriticized and classified loans go up or stay high. This shows credit issues are not fixed.
Why it matters: Net charge-offs indicate the health of the loan portfolio. A decrease would suggest improved credit management.
Worry ifNet charge-offs in the C&I portfolio decrease from $5.8 million in Q2 2026.
Less concerning ifNet charge-offs go up, showing ongoing credit problems.
Why it matters: Earnings results will show if BCB Bancorp can maintain profitability. This is key for investor confidence.
Watch forNet income is over $4.9 million. This shows the company is still making money.
Also watch forNet income falls below $4.9 million, indicating a return to losses.
Why it matters: A higher provision shows ongoing credit problems. This can hurt capital preservation efforts.
Worry ifQ3 provision for credit losses is over $19 million. This shows credit quality is getting worse.
Less concerning ifQ3 provision for credit losses is under $19 million. This suggests credit quality is stabilizing.
Why it matters: Improving cash flow shows better financial health. This is key for future growth.
Supportive ifCash flow from operations increases above $7M.
Worry ifCash flow from operations drops below $5M.
Why it matters: Court case results can change financial health and trust from investors. Good results may ease worries.
Worry ifThe court case ends well and does not hurt finances.
Less concerning ifThe court case leads to big financial penalties or damages.
Why it matters: A clear plan from the new CEO can boost confidence and drive growth.
Supportive ifA press release explains the new CEO's plans.
Worry ifNo clear plan announced within three months.
Why it matters: The dividend suspension shows management wants to keep money safe.
Worry ifShareholders will vote on the dividend suspension at a special meeting this year.
Less concerning ifShareholders reject the dividend suspension. This shows there may be capital concerns.
Why it matters: A capital raise could affect cash flow and stability. Investors want to know if the bank can boost its capital without outside help.
Worry ifManagement says they raised capital successfully. This helps the balance sheet.
Less concerning ifManagement says a capital raise is needed. This is due to losses and credit problems.
Why it matters: A better efficiency ratio shows lower costs. Investors will look for signs of recovery.
Supportive ifThe efficiency ratio is below 90%. This means operations are running better.
Worry ifThe efficiency ratio is above 90%. This suggests there are still problems with operations.
Why it matters: More loans mean the company might be getting better. This shows recovery from past problems.
Supportive ifLoan originations go up each quarter. This shows the company is recovering.
Worry ifLoan originations go down or stay the same. This suggests the company still has credit problems.
Why it matters: A decline in sector revenue growth could signal broader challenges for BCB Bancorp.
Worry ifSector revenue growth drops below its median, indicating a slowdown.
Less concerning ifSector revenue growth is higher than average. This shows ongoing growth.
Why it matters: Declining cash flow signals financial health issues. This could impact BCB Bancorp's ability to invest.
Worry ifCash flow from operations drops below $5M in Q2.
Less concerning ifCash flow from operations stays above $5M in Q2.
Why it matters: The review looks at credit problems. It aims to make finances more stable. Results will show if management's work is helping.
Supportive ifManagement says the credit portfolio review is done. It shows better loan performance.
Worry ifThe review shows no better loan performance. It may also show bigger problems.
Why it matters: Changes in provisions will indicate how management is handling credit risks. This is key for assessing future losses.
Watch forProvision for credit losses drops a lot from $19 million to under $10 million.
Also watch forProvision for credit losses goes up or stays over $19 million. This shows worse credit conditions.