Bank posts $132.5 million loss while raising $98 million capital to de-risk portfolio.
Why BCBP Stock surged +2.90% Today — RQD Quant Desk Flash
BCB Bancorp Inc. (NJ) (BCBP) carries a Roarable Rating of D (Sell) with 49/100 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.
🤖 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 2026-11-03, BCB Bancorp Inc. (NJ) (NASDAQ: BCBP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $8.86 (+2.90% 1D, market cap $272.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, 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 #795 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does BCBP compare to WNEB and FNRN in the Financials sector?
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Within the Financials sector (Savings Institutions), BCBP carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.1%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $280.0M) and FNRN (First Northern Community Bancorp) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $280.5M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% ROIC).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 0.9% FCF Margin ($34.9M FCF) & 52% Gross Margin
20D Institutional Volume Accumulation (±5.5% realized swing band)
Macro rate sensitivity & RSI-14 (60.7) create a -11 pt regime headwind
⚔️ Adversarial Opposing Case: What Could Spark a BCBP Turnaround Squeeze
While BCBP currently carries a cautious 49/100 (D) rating due to Macro Regime Fit (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.53) and Max Pain ($9.30) forces dealer call-delta covering toward $12.30.
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.
Why BCBP Stock surged +2.90% Today — RQD Quant Desk Flash
BCB Bancorp Inc. (NJ) (BCBP) surged +2.90% to $8.86, trading at 35% of its 52-week range ($7.31 – $11.71). Stretched risk/reward at current multiples (-4% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 35% of its 52-week range ($7.31 – $11.71) with RSI-14 at 60.7 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.5% around $8.86 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $34.9M annual free cash flow.
Moby summary of BCB Bancorp, Inc.'s Q3 2026 earnings call
BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) said its third-quarter results reflected a broad effort to strengthen capital, reduce problem assets and reassess credit risk across its loan book, following actions that included mor
BCB Bancorp, Inc. (BCBP) Q3 2026 Earnings Call October 29, 2026 8:45 AM EDTCompany ParticipantsThomas O'Brien - President, CEO & DirectorJawad Chaudhry...
BCB Bancorp (BCBP) delivered earnings and revenue surprises of +5.85% and +8.19%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
While the top- and bottom-line numbers for BCB Bancorp (BCBP) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Stree
(BCBP) on Thursday reported a third-quarter loss of $132.5 million, after reporting a profit in the same period a year earlier.
Successfully completed a $98.0 million equity capital raise through an underwritten public offering.Maintained well-capitalized regulatory capital levels.Reduced credit risk through the sale of $204.3 million of portfoli
BCB Bancorp (NASDAQ:BCBP) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.
BCB Bancorp (NASDAQ:BCBP) reported quarterly losses of $(6.92) per share which beat the analyst consensus estimate of $(7.39) by 6.36 percent. This is a 3245.45 percent decrease over earnings of $0.22 per share from the
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
BCBP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BCBP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BCBP. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BCBP)
1. Head-to-Head Financials Peer Comparison (BCBP vs. WNEB, FNRN, CZWI, WSBF)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, BCB Bancorp Inc. (NJ) (BCBP) ranks #795 by composite RQD confidence (49/100, grade D) and #833 by equity capitalization ($272.5M). Within this direct 5-issuer industry benchmark cohort, WSBF leads on earnings valuation at 13.5x trailing P/E, while CZWI leads on capital efficiency and profitability with 7.7% ROIC and — gross margin. WNEB currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with BCBP at 49/100 (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 | 49/100 | — | — | -4.1% | +2.90% | $272.5M | Benchmark Subject |
| WNEB Western New England Bancorp Inc. | C | 65/100 | 18.5x | — | 6.2% | -0.78% | $280.0M | /wneb-vs-bcbp → |
| FNRN First Northern Community Bancorp | D+ | 54/100 | — | — | 0.0% | +0.77% | $280.5M | /fnrn-vs-bcbp → |
| CZWI Citizens Community Bancorp Inc. | C | 62/100 | 15.8x | — | 7.7% | -1.01% | $226.1M | /czwi-vs-bcbp → |
| WSBF Waterstone Financial Inc. (MD) | C- | 60/100 | 13.5x | — | 7.6% | -1.41% | $351.5M | /wsbf-vs-bcbp → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001228454In 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 ENABLEDIs BCBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, BCB Bancorp Inc. (NJ) (NASDAQ: BCBP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $8.86 (+2.90% 1D, market cap $272.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, 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 #795 in composite RQD confidence.
How does BCBP compare to WNEB and FNRN in the Financials sector?
Within the Financials sector (Savings Institutions), BCBP carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.1%. By comparison, WNEB (Western New England Bancorp Inc.) holds a C grade (65/100 RQD, P/E 18.5x, ROIC 6.2%, cap $280.0M) and FNRN (First Northern Community Bancorp) posts a D+ grade (54/100 RQD, P/E N/A, ROIC 0.0%, cap $280.5M). Among the 5-stock peer group, WSBF leads on earnings multiple (13.5x) while CZWI leads on capital efficiency (7.7% 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 +3.87% above its 50-day simple moving average ($8.53) 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 60.7 (BULLISH MOMENTUM) 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 × FREDWhy is BCBP stock moving today?
Why BCBP Stock surged +2.90% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-4% return on capital) under elevated 10-year interest-rate pressure.
BCBP — BCB Bancorp Inc. (NJ): What the Facts Mean to a Prospective Investor
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
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $-12.5M | N/A | $34.9M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $18.6M | N/A | $66.5M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $29.5M | N/A | $35.2M | N/A | N/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
Bank posts $132.5 million loss while raising $98 million capital to de-risk portfolio.
Moby summary of BCB Bancorp, Inc.'s Q3 2026 earnings call
BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP) said its third-quarter results reflected a broad effort to strengthen capital, reduce problem assets and reassess credit risk across its loan book, following actions that included mor
BCB Bancorp, Inc. (BCBP) Q3 2026 Earnings Call October 29, 2026 8:45 AM EDTCompany ParticipantsThomas O'Brien - President, CEO & DirectorJawad Chaudhry...
BCB Bancorp (BCBP) delivered earnings and revenue surprises of +5.85% and +8.19%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
While the top- and bottom-line numbers for BCB Bancorp (BCBP) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Stree
(BCBP) on Thursday reported a third-quarter loss of $132.5 million, after reporting a profit in the same period a year earlier.
Successfully completed a $98.0 million equity capital raise through an underwritten public offering.Maintained well-capitalized regulatory capital levels.Reduced credit risk through the sale of $204.3 million of portfoli
BCBP Bull vs. Bear Conversation Board — What's Your Call at $8.86?
🔥 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.
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.
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.