BCBP Stock Analysis: Buy, Sell, or Hold?

BCBP - BCB Bancorp Inc (NJ)

SAVINGS INSTITUTION, FEDERALLY CHARTERED
$7.89
0.07 (0.90%) ▲
HOLD
MODERATE Confidence
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Last Updated: January 30, 2026
Earnings: Apr 16, 2026

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 HOLD: BCBP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$11.20
Based on 7.0% avg growth
INTRINSIC VALUE TODAY
$6.95
Trading above fair value

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.1x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: BCBP is currently trading at $7.89, which is considered fair relative to its 30-day fair value range of $7.77 to $8.14. The stock's valuation (Forward PE: 7.9) is in line with its historical norms (8.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.8% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, BCBP is in a downtrend. The price is approaching resistance at $8.02. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: BCBP has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. In the options market, Implied Volatility is low (2th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $9.50 (+21.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position FAIR
Fair Price Range $7.77 - $8.14
Company Quality Score 57/100 (HOLD)
Options IV Signal 2th percentile (LOW)
Volume Confirmation HIGH
Confidence Score 59.6%

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All Signals

  • NEUTRAL: Price in fair range
  • BULLISH: Options cheap (IV 2th percentile)
  • BEARISH: Weak technical setup (25/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading 21.5% below Wall St target ($9.50)

Fair Price Analysis

30-Day Fair Range $7.77 - $8.14
Current vs Fair Value FAIR
Expected Move (7 Days) ±$0.37 (4.7%)

Support & Resistance Levels

Support Level $7.31
Resistance Level $8.02
Current Trend Downtrend

Fundamental Context

Forward P/E (Next Year Est.) 7.93
Wall Street Target $9.50 (+21.5%)
Revenue Growth (YoY) -3.9%
Earnings Growth (YoY) -39.0%
Profit Margin 4.3%
Valuation Discount vs History -0.8% cheaper
PE vs Historical 7.9 vs 8.1 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -0.8% (market-implied from PE analysis)
1-Year Target $7.76 (-1%)
2-Year Target $7.70 (-2%)
3-Year Target $7.63 (-2%)
3-Yr Target (if PE normalizes) (PE: 8→8) $7.80 (0%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Forward PE: 8.77 | Forward EPS (Implied): $0.90
Bull Case $9.53 (+21%)
Analyst growth 15.0%, PE expands to 9.2
Base Case $7.89 (0%)
Market implied 0.0%, PE stable at 8.8
Bear Case $6.04 (-24%)
Severe decline -15.0%, PE contracts to 7.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡 Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.9 to 8.1
Stabilization Target: $7.99 (+2.2%)
PE Expansion Potential: +2.2%
Last updated: January 31, 2026 1:01 AM ET
Data refreshes hourly during market hours. Next update: 2:01 AM
🔥 Top Stocks Breaking Out Now
Ticker Score Recommendation Change %
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL

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Advanced BCBP Option Strategies

Professional options setups generated by AI based on today's BCBP price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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