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Stock Ratings / Financials / BCBP / earnings
FNRN (54) WNEB (65) CZWI (62) FCAP (67) ⌘ Pro Terminal →

BCB Bancorp Inc. (NJ) (BCBP) Next Earnings Date & Expected ±5.5% Move

$8.86 +2.90% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.89

BCB Bancorp Inc. (NJ) (BCBP) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →
ROARABLE D • SELL / AVOID Cap $264.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BCBP Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BCBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, BCB Bancorp Inc. (NJ) (NASDAQ: BCBP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $8.86 (+2.90% 1D, market cap $264.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, BCBP ranks #797 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BCBP compare to FNRN and WNEB in the Financials sector?
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Within the Financials sector (Savings Institutions), BCBP carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.1%. By comparison, FNRN (First Northern Community Bancorp) holds a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M) and WNEB (Western New England Bancorp Inc.) posts a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BCBP?
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Per BCBP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001228454), BCB Bancorp Inc. (NJ) generated $0 in revenue, -$12.5M in net income, and $34.9M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $8.89 (+0.33%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510046
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D
Cash (10)Whales (7)SEC (10)Macro (9)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE-5.4% Base Target
$12 Bull$8 Base$7 Bear
📬 FREE BCBP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BCBP)Realized 20D OHLCV Swing Band: ±5.5%
Deterministic 5-Pillar Attribution (46/100 Composite)
🔍 WHY BCBP SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+10/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.9% FCF Margin ($34.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
38
Grade E$8.23-0.7% Next Q
Q2 (-2Q)
41
Grade D$8.17+4.9% Next Q
Q3 (-1Q)
43
Grade D$8.57+3.4% Next Q
Current
46
Grade D$8.86-6.1% Hist 90D α
Trajectory: E (38) → D (46)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BCBP Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BCBP currently carries a cautious 46/100 (D) rating due to Whale & Options Positioning (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.52) and Max Pain ($9.30) forces dealer call-delta covering toward $12.30.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BCBP• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BCBP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 46%NO 54%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±5.5% Swing Band

±$0.49 Expected Swing
$8.37 (-5.5%)Spot $8.86$9.35 (+5.5%)
MODEL EARNINGS SETUP GAUGE

BCBP Quantitative Pre-Earnings Setup: 46/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (46/100)Model Risk Weight (54/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0-$12.5M$34.9M52%
FY 20242024-12-31$0$18.6M$66.5M52%
FY 20232023-12-31$0$29.5M$35.2M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BCBP)

  • ✓Walkthrough of BCBP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BCBP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -13.65%⚡ TESTING RESISTANCE
2026-11-02O $8.57H $8.86L $8.57C $8.86VOL 564.5K
RES: $9.00SUP: $7.53SMA50: $8.52SMA200: $9.19
$11.97$10.90$9.82$8.75$7.68RES $9.00SUP $7.53$8.862026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BCBP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BCBP Butterfly Map → + Track BCBP →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BCBP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BCBP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BCBP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BCBP)

Financials Rank #797 of 1096 ⚔️ FNRN vs BCBP Full Matrix →

1. Head-to-Head Financials Peer Comparison (BCBP vs. FNRN, WNEB, CZWI, FCAP)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, BCB Bancorp Inc. (NJ) (BCBP) ranks #797 by composite RQD confidence (46/100, grade D) and #842 by equity capitalization ($264.8M). Within this direct 5-issuer industry benchmark cohort, FCAP leads on earnings valuation at 13.0x trailing P/E, while FCAP leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. FCAP currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with BCBP at 46/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BCBP ACTIVE
BCB Bancorp Inc. (NJ)
D 46/100 — — -4.1% +2.90% $264.8M Benchmark Subject
FNRN
First Northern Community Bancorp
D+ 54/100 — — 0.0% +0.77% $278.4M /fnrn-vs-bcbp →
WNEB
Western New England Bancorp Inc.
C 65/100 18.5x — 6.2% -0.78% $282.2M /wneb-vs-bcbp →
CZWI
Citizens Community Bancorp Inc.
C 62/100 15.8x — 7.7% -1.01% $228.4M /czwi-vs-bcbp →
FCAP
First Capital Inc.
C+ 67/100 13.0x — 11.9% -1.89% $213.4M /fcap-vs-bcbp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001228454

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BCB Bancorp Inc. (NJ) (BCBP) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$12.5M, operating cash flow of $35.9M, and free cash flow of $34.9M (-47.6% YoY). On the balance sheet, BCBP closed FY2025 with $3.28B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 -$12.5M $35.9M $34.9M $3.28B —
FY2024 (FY) 2024-12-31 $0 $18.6M $67.7M $66.5M $3.60B —
FY2023 (FY) 2023-12-31 $0 $29.5M $35.2M $35.2M — —

3. BCBP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BCBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, BCB Bancorp Inc. (NJ) (NASDAQ: BCBP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $8.86 (+2.90% 1D, market cap $264.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, BCBP ranks #797 in composite RQD confidence.

How does BCBP compare to FNRN and WNEB in the Financials sector?

Within the Financials sector (Savings Institutions), BCBP carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.1%. By comparison, FNRN (First Northern Community Bancorp) holds a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $278.4M) and WNEB (Western New England Bancorp Inc.) posts a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $282.2M). Among the 5-stock peer group, FCAP leads on earnings multiple (13.0x) while FCAP leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BCBP?

Per BCBP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001228454), BCB Bancorp Inc. (NJ) generated $0 in revenue, -$12.5M in net income, and $34.9M in free cash flow against $3.28B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BCBP trading relative to its 50-day, 200-day, and 52-week technical levels?

BCBP last traded at $8.86 (+2.90% on volume of 401,503 shares), positioning the stock +3.99% above its 50-day simple moving average ($8.52) and -3.59% below its 200-day simple moving average ($9.19). Across its 52-week range of $7.31 to $11.71, BCBP sits at the 35.2% percentile with a 14-day RSI of 53.6 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($8.37 to $9.35).

BCBP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is BCBP's next earnings date?

Based on SEC filing cadence, BCB Bancorp Inc. (NJ) (BCBP)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is BCBP stock expected to move on earnings?

Volatility modeling currently projects a ±5.5% event move for BCBP, spanning a range between $8.37 and $9.35.

Direct Sub-Reports: BCBP RQD Cockpit BCBP 12M Forecast BCBP Earnings & Move BCBP Dividends & DRIP BCBP Insiders & 13F BCBP Whale Options BCBP Profit Sankey BCBP News & Why
ROARABLE RATING BRIEF • RQD 46/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BCBP — BCB Bancorp Inc. (NJ): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:39:39Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BCBP scores 46 out of 100, a D grade, with the verdict "Roarable Sell — Underperform / Distribution Warning." Each of the five pillars is scored out of 20. The Fundamental Cash Engine scores 10/20, citing ROIC of -4.1% and an FCF yield of 13.17%. Whale 13F Flow scores 7/20 for institutional accumulation and options positioning. Insider Conviction scores 10/20 based on SEC Form 4 and Congressional PTR cluster flow. Macro Regime Fit scores 9/20, citing a beta of 1.0 and sector sensitivity. Forensic Balance Sheet scores 10/20, citing an Altman Z-Score of 2.5, a Piotroski F-Score of 3/9, and Debt/Equity of 0.5.

For a prospective investor, the rating signals weakness across most pillars. The negative ROIC indicates the business is not currently generating returns on invested capital, while the 13.17% FCF yield is a comparatively high cash-flow figure that a careful reader should test against the reported FCF trend, which declined across the three periods shown. The Piotroski score of 3/9 and whale-flow score of 7/20 point to weak fundamental momentum and limited institutional conviction. The 4.01% dividend yield may appeal to income-oriented readers, but the rating frames the stock as a distribution-risk name rather than a constructive accumulation candidate. Valuation tradeoffs cannot be fully assessed because P/E and EV/EBITDA are not available in source data.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$-12.5MN/A$34.9MN/AN/A
FY 2024$0.0M$0.0M$18.6MN/A$66.5MN/AN/A
FY 2023$0.0M$0.0M$29.5MN/A$35.2MN/AN/A

Per the SEC financials, net income moved from $29.5M in FY 2023 to $18.6M in FY 2024 and to $-12.5M in FY 2025. Reported margins are 0% across gross, operating, and net measures, and the source does not provide a meaningful revenue figure to interpret them against. Per the market data, ROIC is -4.1%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 3/9, per the Roarable RQD rating. Debt/Equity is 0.5 per the same source.

Open Questions

  • What are the company's revenue and operating income figures, given that the financials show $0.0M for both across all periods?
  • Why does the reported FY 2025 net loss of $-12.5M coincide with an FCF of $34.9M, and what drives the gap?
  • What are the cash and debt balances, which are listed as N/A in every period?
  • What are the P/E, EPS, and EV/EBITDA valuation multiples, which are unavailable in the source?
  • What recent catalysts or news, if any, have affected the stock, given that the catalyst section is empty?

BCBP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BCB Bancorp Inc. (NJ) (BCBP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BCBP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BCBP Bull vs. Bear Conversation Board — What's Your Call at $8.86?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BCBP 🐻 50% BEARISH CONVICTION
1. Pick Your Side on BCBP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $9.30 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BCBP (D • RQD 46/100) a Buy at $8.61?

Welcome to the BCBP (BCB Bancorp Inc. (NJ)) Roar Pit. Current RQD Composite is 46/100 (Roarable Sell — Underperform / Distribution Warning) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $6.72 (-22.0%)
Spot @ $8.61

Pump the brakes on BCBP — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BCBP, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless BCB Bancorp Inc. (NJ) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

AL AlphaFlow_Cap Verified K Arena Trader 🐂 BULLISH 🎯 Target: $9.90 (+15.0%)
Spot @ $8.61

BCBP cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BCBP, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $8.61 (52-wk range $7.31 - $11.71), any beat on forward guidance forces shorts and underweight funds to chase.

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