BCB Bancorp

Financial Services commercial banks financial management gift cards holding company lending mobile money transfer mortgages

BCB Bancorp operates as the holding company for BCB Community Bank, a state chartered commercial bank that provides banking products and services to businesses and individuals. The Company offers deposit products and provides loans. In addition, it offers retail and commercial banking services comprising wire transfers, money orders, safe deposit boxes, night depository services, debit cards, online and mobile banking services, gift cards, fraud detection services, and automated teller services.

Market capitalization(2018-04-20)

$195.8 M

Total Loans(Q2, 2017)

$1.6 B

Type

Public

Bayonne, US

Founded

2000

Size (employees)

353 (est)

Website

bcb.bank

BCB Bancorp was founded in 2000 and is headquartered in Bayonne, US

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BCB Bancorp Office Locations

BCB Bancorp has an office in Bayonne

Bayonne, US (HQ)

104-110 Avenue C

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BCB Bancorp Financials and Metrics

BCB Bancorp Financials

BCB Bancorp's revenue was reported to be $77.48 m in FY, 2016 which is a 4.1% increase from the previous period.

Summary

USD
Net income (FY, 2017)	10 m
EBIT (FY, 2017)	61.9 m
Market capitalization (20-Apr-2018)	195.8 m
Cash (31-Dec-2017)	124.2 m
EV	260.6 m

BCB Bancorp's current market capitalization is $195.8 m.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Revenue	57.4 m	64.2 m	74.4 m	77.5 m
Revenue growth, %		12%	16%	4%
Cost of goods sold		10.3 m	13.9 m	16.3 m	15.7 m
Gross profit		53.8 m	60.6 m	61.2 m

Quarterly

USD	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017
Revenue	16.7 m	18.8 m	19.2 m	19.5 m	19.2 m	19.3 m	20.8 m	21.1 m
Cost of goods sold	2.9 m	3.3 m	3.7 m	4.1 m	4.3 m	4.1 m	3.9 m	4 m
Gross profit	13.8 m	15.5 m	15.5 m	15.4 m	14.9 m	15.1 m	16.9 m	17.1 m
Gross profit Margin, %	82%	82%	81%	79%	77%	79%	81%	81%

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Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2015	FY, 2016	FY, 2017
Cash	132.6 m	65 m	124.2 m
Accounts Receivable	5.6 m	5.6 m
Inventories
PP&E	15.7 m	19.4 m	18.8 m

Quarterly

USD	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Cash	45.9 m	95.8 m	210.2 m	235.8 m	137.7 m	114.4 m	75 m	97.6 m
PP&E	15.9 m	15.9 m	15.7 m	17.1 m	17.2 m	20.3 m	19.7 m
Total Assets	1.5 b	1.6 b	1.7 b	1.7 b	1.7 b	1.8 b	1.8 b	1.9 b
Accounts Payable	1.2 b	1.2 b	1.4 b	1.4 b	1.4 b	1.5 b	1.5 b

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Cash Flow

Annual

USD	FY, 2014	FY, 2015	FY, 2016	FY, 2017
Net Income	7.6 m	7 m	8 m	10 m
Inventories
Accounts Payable
Cash From Operating Activities		7.7 m	7.2 m	21 m

Quarterly

USD	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017	Q2, 2017	Q3, 2017
Net Income	1.1 m	1.8 m	3.7 m	6 m	2 m	3.6 m	5.5 m	2.9 m	5.4 m	3.2 m
Cash From Operating Activities			5.2 m	11.1 m	4.5 m	2.8 m	6.9 m	9.6 m	14.6 m	15.3 m
Purchases of PP&E			925 k
Cash From Investing Activities			(184.3 m)	(193.1 m)	(10.1 m)	(15 m)	(56.6 m)	(54 m)	(102.5 m)	(135.7 m)

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Ratios

USD	Y, 2017
EV/EBIT	4.2 x
EV/CFO	12.4 x
Financial Leverage	11 x

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BCB Bancorp Operating Metrics

BCB Bancorp's Total Loans was reported to be $1.6b in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
ATMs	18				20				29
Non-accrual Loans	$19.60 m	$18.10 m	$19.42 m	$23.13 m	$23.45 m	$23.96 m	$21.07 m	$19.35 m	$15.65 m	$16.99 m	$15.46 m
Non-performing Loans	$19.60 m				$23.45 m				$18.48 m
Total Loans	$1.23 b	$1.31 b	$1.41 b	$1.42 b	$1.44 b	$1.45 b	$1.45 b	$1.45 b	$1.50 b	$1.55 b	$1.60 b