BCB Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from BCB Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 0 of 3. Less steady than 98% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 90% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 0/3Sales grew in 1 of the last 3 years; profit grew in 0 of 3.
Less steady than 98% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 12%
Sales fell 12% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-12% / -8%In 3 years sales changed by -12% while total assets changed by -8%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 90% of Financial Services companies in United States.
Tangible Net Worth Ratio
98%Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 88% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
BCB Bancorp, Inc. made a loss over the last year. BCB Bancorp, Inc. owes $0.91 for every $1 it owns. BCB Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossBCB Bancorp, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.90The share price is 0.90 times BCB Bancorp, Inc.'s book value per share, lower than 77% of Financial Services companies in United States.
Market cap
$264 MThe total market value of all of BCB Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 77% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$292 MWhat BCB Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$9.49Net worth divided by the number of shares. The share price of $8.59 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
-5.8%BCB Bancorp, Inc. lost 5.8% of its shareholders' money over the last year, lower than 89% of Financial Services companies in United States.
Owes vs Owns
0.91×BCB Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneBCB Bancorp, Inc. does not currently pay a dividend.
Revenue growth
+7%Revenue rose 7% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Profit growth
LossBCB Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-12.3%BCB Bancorp, Inc. lost $12 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For BCB Bancorp, Inc.: $264 M ÷ $292 M (30 Jun 2026) = 0.9.
What is BCB Bancorp, Inc.'s return on equity?
BCB Bancorp, Inc. lost 5.8% of its shareholders' money over the last year, lower than 89% of Financial Services companies in United States.
How much does BCB Bancorp, Inc. owe compared with what it owns?
BCB Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does BCB Bancorp, Inc. pay a dividend?
No. BCB Bancorp, Inc. does not currently pay a dividend.
Is BCB Bancorp, Inc.'s revenue growing?
Revenue rose 7% in the year to Dec 2025, and shrank 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.