BCB Bank's Net Interest Margin Rises to 3.03% in Q4
Net interest margin increased to 3.03 percent for the fourth quarter of 2025, compared to 2.88 percent for the third quarter of 2025, and 2.53 percent for the fourth quarter of 2024. "As previously noted in our Form 8-K filed on January 16, 2026, our fourth-quarter results reflect a $15.1 million pre-tax write-down on an isolated cannabis-related real estate owned (REO) property, as well as $16.3 million in additional net charge-offs, primarily within the Bank's C&I loan portfolio. Throughout 2025, management took decisive, proactive steps to address asset quality while simultaneously strengthening our capital position and liquidity profile. These actions have created a more resilient foundation and position us well as we enter 2026," said Michael Shriner, President and Chief Executive Officer of BCB Bank.
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BCB Bancorp Q4 Financial Report Analysis
- Poor Financial Performance: BCB Bancorp reported a Q4 non-GAAP EPS of -$0.73 with revenues of $26.16 million, indicating significant challenges in profitability that may lead to decreased investor confidence.
- Deteriorating Efficiency Ratio: The efficiency ratio surged to 120.0% in Q4 from 62.6% in the prior quarter, highlighting severe issues in cost control and operational efficiency that could impact future profitability.
- Declining Return on Assets: The annualized return on average assets for Q4 was -1.44%, a stark drop from 0.50% in the previous quarter, reflecting worsening asset utilization efficiency and raising concerns about future growth prospects.
- Rising Non-Accrual Loan Ratio: As of December 31, 2025, the allowance for credit losses as a percentage of non-accrual loans was 53.3%, up from 40.4% in the prior quarter, indicating challenges in credit risk management that could affect capital adequacy and future lending capabilities.
BCB Bancorp Reports $12 Million Net Loss for Q4 2025
- Financial Performance Decline: BCB Bancorp reported a net loss of $12 million for Q4 2025, contrasting sharply with a net income of $4.3 million in Q3 2025 and $3.3 million in Q4 2024, primarily due to significant write-downs on cannabis-related real estate and increased credit losses, indicating substantial financial pressure on the company.
- Deteriorating Asset Quality: As of December 31, 2025, non-accrual loans totaled $63.3 million, representing 2.32% of total loans, up from $44.7 million and 1.48% in the same period of 2024, reflecting challenges in credit management that could impact future capital adequacy ratios.
- Dividend Adjustment: The Board declared a quarterly cash dividend of $0.08 per share, demonstrating the company's effort to balance shareholder value creation with financial challenges, although this may affect investor confidence moving forward.
- Enhanced Liquidity Management: The company implemented proactive liquidity management measures in 2025, resulting in an 8.9% decrease in total assets to $3.279 billion, yet strengthened its capital structure by reducing high-cost funding, laying a foundation for future growth.
Upcoming Ex-Dividend Dates for 10 Stocks – Week of November 10, 2025
Dividend Stocks at 52-Week Lows: Several dividend stocks are currently trading near their 52-week lows, presenting potential buying opportunities for investors.
Ex-Dividend Dates: A list of ten stocks is highlighted, which are approaching their ex-dividend dates this week, meaning investors must purchase them before these dates to qualify for the next dividend payout.
BCB Bancorp Inc. Reports Decline in Q3 Earnings
Earnings Decline: BCB Bancorp Inc. reported a profit of $4.26 million for the third quarter, down from $6.66 million in the same period last year.
Earnings Per Share: The earnings per share (EPS) decreased to $0.22 from $0.36 compared to the previous year.
Revenue Growth: The company's revenue increased by 2.9% to $23.71 million, up from $23.04 million last year.
Financial Summary: Key financial figures include earnings of $4.26 million, EPS of $0.22, and revenue of $23.71 million for the quarter.
BCB Bank announces Daniel A. Araujo's promotion to Senior Vice President and Chief Lending Officer
Promotion Announcement: BCB Bank has promoted Daniel A. Araujo to Senior Vice President and Chief Lending Officer, recognizing his extensive experience in lending management and commitment to enhancing customer service.
Leadership Vision: In his new role, Araujo will oversee credit policy and risk governance while continuing to foster cross-functional partnerships and improve the overall lending process at BCB Bank.
BCB Bancorp, Inc. (NASDAQ:BCBP) most popular amongst retail investors who own 50% of the shares, institutions hold 40%
Ownership Structure of BCB Bancorp: Retail investors hold 50% of BCB Bancorp, giving them significant influence over management decisions, while institutional investors own 40%. The top 25 shareholders collectively own less than half of the company, indicating a diverse ownership base.
Insider Activity and Market Insights: Insiders own a notable portion of the company, valued at $15 million, suggesting they are invested in its success. Recent insider buying activity could be a positive sign, but potential warning signs should also be considered for future performance.
BCB Bancorp Q4 Financial Report Analysis
- Poor Financial Performance: BCB Bancorp reported a Q4 non-GAAP EPS of -$0.73 with revenues of $26.16 million, indicating significant challenges in profitability that may lead to decreased investor confidence.
- Deteriorating Efficiency Ratio: The efficiency ratio surged to 120.0% in Q4 from 62.6% in the prior quarter, highlighting severe issues in cost control and operational efficiency that could impact future profitability.
- Declining Return on Assets: The annualized return on average assets for Q4 was -1.44%, a stark drop from 0.50% in the previous quarter, reflecting worsening asset utilization efficiency and raising concerns about future growth prospects.
- Rising Non-Accrual Loan Ratio: As of December 31, 2025, the allowance for credit losses as a percentage of non-accrual loans was 53.3%, up from 40.4% in the prior quarter, indicating challenges in credit risk management that could affect capital adequacy and future lending capabilities.
BCB Bancorp Reports $12 Million Net Loss for Q4 2025
- Financial Performance Decline: BCB Bancorp reported a net loss of $12 million for Q4 2025, contrasting sharply with a net income of $4.3 million in Q3 2025 and $3.3 million in Q4 2024, primarily due to significant write-downs on cannabis-related real estate and increased credit losses, indicating substantial financial pressure on the company.
- Deteriorating Asset Quality: As of December 31, 2025, non-accrual loans totaled $63.3 million, representing 2.32% of total loans, up from $44.7 million and 1.48% in the same period of 2024, reflecting challenges in credit management that could impact future capital adequacy ratios.
- Dividend Adjustment: The Board declared a quarterly cash dividend of $0.08 per share, demonstrating the company's effort to balance shareholder value creation with financial challenges, although this may affect investor confidence moving forward.
- Enhanced Liquidity Management: The company implemented proactive liquidity management measures in 2025, resulting in an 8.9% decrease in total assets to $3.279 billion, yet strengthened its capital structure by reducing high-cost funding, laying a foundation for future growth.
Upcoming Ex-Dividend Dates for 10 Stocks – Week of November 10, 2025
Dividend Stocks at 52-Week Lows: Several dividend stocks are currently trading near their 52-week lows, presenting potential buying opportunities for investors.
Ex-Dividend Dates: A list of ten stocks is highlighted, which are approaching their ex-dividend dates this week, meaning investors must purchase them before these dates to qualify for the next dividend payout.
BCB Bancorp Inc. Reports Decline in Q3 Earnings
Earnings Decline: BCB Bancorp Inc. reported a profit of $4.26 million for the third quarter, down from $6.66 million in the same period last year.
Earnings Per Share: The earnings per share (EPS) decreased to $0.22 from $0.36 compared to the previous year.
Revenue Growth: The company's revenue increased by 2.9% to $23.71 million, up from $23.04 million last year.
Financial Summary: Key financial figures include earnings of $4.26 million, EPS of $0.22, and revenue of $23.71 million for the quarter.
BCB Bank announces Daniel A. Araujo's promotion to Senior Vice President and Chief Lending Officer
Promotion Announcement: BCB Bank has promoted Daniel A. Araujo to Senior Vice President and Chief Lending Officer, recognizing his extensive experience in lending management and commitment to enhancing customer service.
Leadership Vision: In his new role, Araujo will oversee credit policy and risk governance while continuing to foster cross-functional partnerships and improve the overall lending process at BCB Bank.
BCB Bancorp, Inc. (NASDAQ:BCBP) most popular amongst retail investors who own 50% of the shares, institutions hold 40%
Ownership Structure of BCB Bancorp: Retail investors hold 50% of BCB Bancorp, giving them significant influence over management decisions, while institutional investors own 40%. The top 25 shareholders collectively own less than half of the company, indicating a diverse ownership base.
Insider Activity and Market Insights: Insiders own a notable portion of the company, valued at $15 million, suggesting they are invested in its success. Recent insider buying activity could be a positive sign, but potential warning signs should also be considered for future performance.
