BCB BANCORP INC BCBP
BCB Bancorp, Inc.
BCB Bancorp, Inc. (individually referred to herein as the "Parent Company" and together with its subsidiaries, collectively referred to herein as the "Company") is a New Jersey corporation established in 2003 and is the holding company parent of BCB Community Bank (the "Bank"). The Company has not engaged in any significant business activity other than owning all of the outstanding common stock of BCB Community Bank. Our executive office is located at 104-110 Avenue C, Bayonne, New Jersey 07002. Our telephone number is 1-(800)-680-6872 and our website is www.bcb.bank. Information on our website is not incorporated into this Annual Report on Form 10-K. At December 31, 2025 we had $3.279 billion in consolidated assets, $2.674 billion in deposits and $304.3 million in consolidated stockholders' equity. The Parent Company is subject to extensive regulation by the Board of Governors of the Federal Reserve System.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $173.0M | $194.0M | $188.4M | $131.4M | $112.6M | $113.4M | $123.6M | $105.1M | $77.6M | $71.4M |
| Interest expense | $93.0M | $92.0M | $104.1M | $113.9M | $15.2M | $33.0M | $41.0M | $27.4M | $15.7M | $16.3M |
| Pre-tax income | -$18.3M | $26.3M | $41.5M | $63.1M | $48.3M | $29.4M | $30.3M | $24.2M | $20.2M | $13.3M |
| Income tax | $5.8M | $7.6M | $12.0M | $17.5M | $14.0M | $8.6M | $9.3M | $7.5M | $10.2M | $5.3M |
| Net income | -$12.5M | $18.6M | $29.5M | $45.6M | $34.2M | $20.9M | $21.0M | $16.8M | $10.0M | $8.0M |
| EPS, basic | -0.84 | 0.99 | 1.71 | 2.64 | 1.94 | 1.14 | 1.20 | 1.02 | 0.76 | 0.63 |
| EPS, diluted | -0.84 | 0.99 | 1.70 | 2.58 | 1.92 | 1.14 | 1.20 | 1.01 | 0.75 | 0.63 |
| Shares, diluted (wtd. avg.) | $17.2M | $17.0M | $16.9M | $17.3M | $17.2M | $17.2M | $16.4M | $15.7M | $12.5M | $11.3M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $276.6M | $317.3M | $279.5M | $229.4M | $411.6M | $261.2M | $550.4M | $195.3M | $124.2M | $65.0M |
| Property, plant and equipment | $12.1M | $12.6M | $13.1M | $10.5M | $12.2M | $15.3M | $19.9M | $20.3M | $18.8M | $19.4M |
| Goodwill | — | — | — | — | — | — | $20.0K | $5.2M | — | — |
| Total assets | $3.28B | $3.60B | $3.83B | $3.55B | $2.97B | $2.82B | $2.91B | $2.67B | $1.94B | $1.71B |
| Short-term debt | — | — | — | $60.0M | — | — | — | — | — | $20.0M |
| Long-term debt | — | — | — | — | — | — | — | — | $185.0M | $155.0M |
| Total liabilities | $2.98B | $3.28B | $3.52B | $3.25B | $2.69B | $2.57B | $2.67B | $2.47B | $1.77B | $1.58B |
| Retained earnings | $116.4M | $141.9M | $135.9M | $115.1M | $81.2M | $58.3M | $48.4M | $38.4M | $31.2M | $28.2M |
| Total equity | $304.3M | $323.9M | $314.1M | $291.3M | $274.0M | $249.2M | $239.5M | $200.2M | $176.5M | $131.1M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $35.9M | $67.7M | $35.2M | $40.9M | $45.9M | $139.3M | $24.3M | $40.0M | $21.0M | $7.2M |
| Stock-based compensation | $1.0M | $767.0K | $593.0K | $1.1M | $417.0K | $1.2M | $987.0K | $251.0K | $199.0K | $125.0K |
| Capital expenditure | $1.0M | $1.2M | $4.5M | $518.0K | $325.0K | $1.4M | $2.5M | $1.6M | $1.9M | $6.1M |
| Investing cash flow | $232.4M | $222.8M | -$233.3M | -$761.5M | -$7.7M | -$315.5M | $135.1M | -$466.2M | -$182.9M | -$159.8M |
| Financing cash flow | -$309.0M | -$252.7M | $248.3M | $538.3M | $112.2M | -$113.0M | $195.7M | $497.2M | $221.1M | $84.9M |
| Dividends paid | $10.6M | $10.4M | $10.4M | $10.4M | $9.8M | $9.2M | $8.7M | $8.4M | $6.5M | $6.0M |
| Buybacks | — | — | $3.8M | $3.4M | $4.2M | $4.9M | — | — | $13.0K | $7.0K |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001228454-26-000004.
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