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WNEB (65) FNRN (56) CZWI (62) WSBF (58) ⌘ Pro Terminal β†’

BCB Bancorp Inc. (NJ) (BCBP) Options Positioning, Max Pain & Unusual Sweeps

$8.93 +0.79% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.93

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.

ROARABLE D β€’ SELL / AVOID Cap $272.5M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BCBP Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BCBP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $8.93 (+0.79% 1D, market cap $272.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, BCBP ranks #679 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BCBP compare to WNEB and FNRN in the Financials sector?
β–Ό

Within the Financials sector (Savings Institutions), BCBP carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of β€”, 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 (56/100 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BCBP?
β–Ό

Per BCBP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001228454), BCB Bancorp Inc. (NJ) generated $1.38B in revenue (-8.9% YoY), -$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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $8.93 (-0.05%)🧬 Cannibal Buyback (-0.68% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 2.5% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (49/100 Β· D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510049
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw D Β· Rk D
Cash (10)Whales (10)SEC (10)Macro (9)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE-4% Base Target
$12 Bull$9 Base$7 Bear
πŸ“¬ FREE BCBP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BCBP)Realized 20D OHLCV Swing Band: Β±5.5%
Deterministic 5-Pillar Attribution (49/100 Composite)
πŸ” WHY BCBP SCORES 49/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 2.5% FCF Margin ($34.9M FCF) & 52% Gross Margin

β–² #2 Bullish Driver: Whale & Options Positioning+10/20 pts (20% of score)

20D Institutional Volume Accumulation (Β±5.5% realized swing band)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit9/20 pts (-11 pt drag)

Macro rate sensitivity & RSI-14 (60.7) create a -11 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
41
Grade D$8.16+1.5% Next Q
Q2 (-2Q)
44
Grade D$8.28+3% Next Q
Q3 (-1Q)
46
Grade D$8.53+4.7% Next Q
Current
49
Grade D$8.93-5.4% Hist 90D Ξ±
Trajectory: D (41) β†’ D (49)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a BCBP Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.53) and Max Pain ($9.38) forces dealer call-delta covering toward $12.30.

πŸš€ 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 $BCBPβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBCBP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 49%NO 51%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±5.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (BCBP)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for BCBP.

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

  • βœ“Walkthrough of BCBP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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BCBP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -12.96%⚑ TESTING RESISTANCE
2026-11-03O $8.61H $8.93L $8.61C $8.93VOL 401.5K
RES: $8.98SUP: $7.51SMA50: $8.53SMA200: $9.19
$11.97$10.90$9.82$8.75$7.68RES $8.98SUP $7.51$8.932026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ BCBP Butterfly Map β†’ + Track BCBP β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -8.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BCBP today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BCBP)

Financials Rank #679 of 1097 βš”οΈ WNEB vs BCBP Full Matrix β†’

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

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, BCB Bancorp Inc. (NJ) (BCBP) ranks #679 by composite RQD confidence (49/100, grade D) and #834 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 β€” 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 β€” β€” -4.1% +0.79% $272.5M Benchmark Subject
WNEB
Western New England Bancorp Inc.
C 65/100 18.5x β€” 6.2% +0.64% $280.0M /wneb-vs-bcbp β†’
FNRN
First Northern Community Bancorp
D+ 56/100 β€” β€” 0.0% +2.69% $280.5M /fnrn-vs-bcbp β†’
CZWI
Citizens Community Bancorp Inc.
C 62/100 15.8x β€” 7.7% +0.73% $226.1M /czwi-vs-bcbp β†’
WSBF
Waterstone Financial Inc. (MD)
D+ 58/100 13.5x β€” 7.6% +2.10% $351.5M /wsbf-vs-bcbp β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001228454 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BCB Bancorp Inc. (NJ) (BCBP) reported GAAP revenue of $1.38B (-8.9% vs. FY2024 revenue of $1.51B , and +931.0% cumulative change since FY2023) , 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 $1.38B -$12.5M $35.9M $34.9M $3.28B β€”
FY2024 (FY) 2024-12-31 $1.51B $18.6M $67.7M $66.5M $3.60B β€”
FY2023 (FY) 2023-12-31 $133.6M $29.5M $35.2M $35.2M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, 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 $8.93 (+0.79% 1D, market cap $272.5M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, BCBP ranks #679 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 β€”, 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 (56/100 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 $1.38B in revenue (-8.9% YoY), -$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 $8.93 (+0.79% on volume of 410,736 shares), positioning the stock +4.69% above its 50-day simple moving average ($8.53) and -2.83% below its 200-day simple moving average ($9.19). Across its 52-week range of $7.31 to $11.71, BCBP sits at the 36.8% percentile with a 14-day RSI of 60.7 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.5% ($8.44 to $9.42).

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 β€’ RQD 49/100 (D) βœ“ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

BCB Bancorp Inc. (NJ) (BCBP) earns a live Roarable RQD composite score of 49/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $8.93 (+0.79% 1D, market capitalization $272.5M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -4.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 13.17%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

BCB Bancorp Inc. (NJ) (BCBP) is a NASDAQ-listed operating company in the Savings Institutions industry (Financials sector) with an equity market capitalization of $272.5M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of -4.1% (free cash flow yield of 13.17%). Within the Savings Institutions peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), BCB Bancorp Inc. (NJ) (BCBP) reported $1.38B in annual revenue (up from $1.51B in FY2024, -8.9% YoY) and -$12.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($133.6M revenue, $29.5M net income) through FY2025, BCBP scaled operating cash flow to $35.9M and free cash flow to $34.9M, backed by $3.28B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 49/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 13.17% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $7.31 – $11.71 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the source.

  • Key Question #1: Can BCBP sustain or expand its β€” operating margin and -4.1% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.38B and free cash flow of $34.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BCBP's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BCBP Live News Feed, Press Releases & Catalyst Wire

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

πŸ’¬ Jump to BCBP Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BCBP Bull vs. Bear Conversation Board β€” What's Your Call at $8.93?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BCBP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BCBP:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $10.54 (+19.0%)
πŸ“Œ Pinned Debate

A 13.17% FCF yield and 4.01% dividend yield offer cash-return support despite the weak rating.

Don't sleep on BCBP's setup in Financials. A 13.17% FCF yield and 4.01% dividend yield offer cash-return support despite the weak rating.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (49/100) backs up the fundamental quality.

VolSurface_Trader πŸ‚ BULL

Both sides have a point here β€” BCBP's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER β€’ 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $7.18 (-19.0%)
Spot @ $8.86

Net income fell from $29.5M in FY 2023 to -$12.5M in FY 2025 while ROIC sits at -4.1% and the Piotroski score is 3/9.

Here is the bear case nobody on the bull side wants to address on BCBP: Net income fell from $29.5M in FY 2023 to -$12.5M in FY 2025 while ROIC sits at -4.1% and the Piotroski score is 3/9.. At current EV/EBITDA multiples, even a small guidance miss in Savings Institutions triggers a 12-15% air pocket.

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