BCBP
BCB Bancorp, Inc.8.45
+0.05+0.6%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
145.58MP/E (TTM)
140.83Basic EPS (TTM)
0.06Dividend Yield
0.08%Recent Filings
10-Q
8-K
Q3 profit rises amid asset tweaks
BCB Bancorp reported $4.3 million net income for Q3 2025, up from $3.6 million in Q2, with EPS at $0.22 versus $0.18. Net interest margin expanded to 2.88%, driven by lower funding costs, while deposits grew to $2.687 billion and loans shrank to $2.789 billion net. Elevated $16.9 million charge-offs stemmed from a $12.7 million cannabis loan write-down, pushing non-accrual loans to $93.5 million. The board declared a $0.16 per share dividend, payable November 24. Cannabis exposure lingers as a risk.
10-Q
Q2 FY2025 results
BCB Bancorp swung to a $4.8 million net loss for the six months ended June 30, 2025, from $8.7 million profit a year earlier, hammered by a $25.7 million provision for credit losses—up from $4.5 million—driven by a $13.7 million specific reserve on a $34.2 million cannabis loan amid industry headwinds, while net interest income dipped 3.6% to $45.1 million (derived) with a 2.70% margin edging up from 2.55%. Q2 rebounded to $3.6 million profit, beating $2.8 million last year, as non-interest income flipped to $2.1 million from a $3.2 million loss, thanks to no repeat of prior loan sale hits, though non-interest expenses climbed 3.8% on salaries and data costs. Loans shrank 4.5% to $2.86 billion, with non-accruals at 3.50% versus 1.48% at year-end, but deposits held steady at $2.66 billion after shedding brokered funds. Cash sat at $206.9 million, FHLB advances fell to $335.6 million (4.18% rate, 0.79-year average maturity), and total debt was $378.7 million with $422.8 million in borrowing capacity; no M&A noted. Cannabis lending remains a key risk, exposing the portfolio to federal enforcement shifts.
8-K
Q2 profit rebound, dividend held
BCB Bancorp swung to a $3.6 million net income in Q2 2025, up from an $8.3 million loss in Q1, with EPS at $0.18 versus ($0.51). Net interest margin expanded to 2.80%, fueled by lower funding costs, yet non-accrual loans hit $101.8 million amid cannabis sector woes. The board declared a $0.16 quarterly dividend, payable August 25. Credit pressures linger.
10-Q
Q1 FY2025 results
BCB Bancorp swung to a $8.3 million net loss in Q1 FY2025 ended March 31, 2025, from $5.9 million income a year earlier, as net interest income dipped 4.9% y/y to $22.0 million on lower loan yields and balances, while the net interest margin edged up to 2.59% from 2.50%. A hefty $20.8 million provision for credit losses—up sharply from $2.1 million y/y—drove the downturn, fueled by $13.7 million specific reserve for a $34.2 million cannabis loan downgraded to non-accrual despite remaining current, plus $7.0 million added to the troubled Business Express portfolio amid macroeconomic pressures; net charge-offs hit $4.2 million y/y (derived). Loans shrank 2.6% q/q to $2.97 billion, with non-accruals climbing to 3.36% of gross loans from 1.48%, yet deposits fell just 2.3% q/q to $2.69 billion and cash stood at $253 million, bolstering liquidity alongside $448 million in FHLB advances (down 10.0% q/q). No M&A or regulatory hurdles noted. Elevated credit risks in specialized lending segments linger.
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