BCB Bancorp, Inc. (BCBP) Fair Value 2026

BCBP · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.0 /10

32 fundamental signals · 3 models active

Value Trap Risk

LOW (29/100)

Quick Summary — As of 2026-08-27, BCB Bancorp, Inc. (BCBP) trades at $8.69, versus a $14.27 median fair value across its 3 active models — 64.2% above the current price. QOC: 7.0/10. Value Trap Risk: 29/100 (LOW). 3/13 models active.

Key Facts

Ticker
BCBP
Price
$8.69
Quality Score
7.0/10
Value Trap Risk
29/100
Models Active
3/13
Last Updated
Strength: FTNN Topology suggests +111.7% upside with 11% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is BCB Bancorp, Inc. (BCBP) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, BCB Bancorp, Inc. (BCBP) appears undervalued as of : the median of 3 independent fair value estimates is $14.27, 64.2% above the current price of $8.69. Estimates range from $11.42 to $18.40. BCBP scores 7.0/10 on fundamental quality and 29/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BCBP’s +64.2% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy BCB Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give BCBP?

3 Intrinsic Value Models vs. Current Price ($8.69)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $11.42 +31.4%
Relative · Medium Conviction
 $14.27 +64.2%
Relative · Low Conviction
 $18.40 +111.7%

All Models Active

All 3 models are displayed above.

What Is BCBP's Fair Value Range?

Spread across 3 independent models · $11.42 to $18.40

CirclFi's 3 active models place BCB Bancorp, Inc. (BCBP) between $11.42 and $18.40 per share, a spread of 49% of the median. The median of that range — $14.27 — is the fair value CirclFi publishes for BCBP, against a current price of $8.69.

Low · EPVHigh · FTNN
$11.42median $14.27$18.40
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$11.42
Most bullish modelFTNN Topology$18.40
Model agreement3 bullish · 0 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on BCBP, not a CirclFi price target. How each model works →

What Is BCB Bancorp, Inc. (BCBP) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for BCB Bancorp, Inc.. Trading at $8.69 against an estimated intrinsic value of $14.27, 3 of 3 active models flag meaningful upside of +64.2% at the median. The most optimistic model, FTNN, places fair value at $18.40 (+111.7%), while EPV — the most conservative — estimates $11.42 (+31.4%). This +80.3% gap reflects genuine analytical uncertainty about BCB Bancorp, Inc.'s intrinsic worth.

What Do the Models Say About BCBP?

3 of 13 models are currently active for BCBP. All 3 active models suggest the stock trades below fair value. Taken together, their median fair value for BCBP is $14.27 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BCBP Rank in Banks - Regional?

Among 349 Banks - Regional stocks, BCBP ranks #302 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a banking sector, BCB Bancorp, Inc. operates in a sector where loan loss provisions is a critical driver of valuation. Investors evaluating BCBP should weigh these sector-specific dynamics alongside our model-derived fair values.

Is BCBP a Value Trap?

CirclFi's Value Trap algorithm assigns BCBP a score of 29/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for BCB Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, BCB Bancorp, Inc.'s fundamental quality profile registers 7.0/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +80.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BCBP valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BCBP's 3 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy BCB Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

WFWoori Financial Group Inc.QOC 7.0AVBHAvidbank Holdings, Inc.QOC 6.9RVSBRiverview Bancorp, Inc.QOC 7.0WSBFWaterstone Financial, Inc.QOC 6.9CFFNCapitol Federal Financial, Inc.QOC 7.0MSBIMidland States Bancorp, Inc.QOC 6.9FMCBFarmers & Merchants BancorpQOC 8.6CPFCentral Pacific Financial Corp.QOC 8.2CBKCommercial Bancgroup, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: WF · AVBH · RVSB · WSBF · CFFN · MSBI · FMCB · CPF · CBK · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to BCBP?

7 companies across all industries closest to BCBP’s Quality of Company score of 7.0/10.

MGTXMeiraGTx Holdings plcQOC 7.0BSCLBILI Social International, Inc.QOC 7.0KODKEastman Kodak CompanyQOC 7.0CANCanaan Inc.QOC 7.0SEERSeer, Inc.QOC 7.0MEIMethode Electronics, Inc.QOC 7.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MGTX · BSCL · KODK · CAN · SEER · MEI · NVDA

Where Does BCBP Sit in CirclFi's Banks - Regional Rankings?

BCBP is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About BCB Bancorp, Inc.’s Valuation?

What is BCB Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts BCB Bancorp, Inc. (BCBP)'s intrinsic value at $14.27 — the median of 3 independent model estimates as of 2026-08-27, ranging from $11.42 to $18.40. The Quality of Company score is 7.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BCBP overvalued or undervalued right now?

At $8.69, 3 of 3 active models suggest BCBP may be undervalued, while 0 indicate potential overvaluation. The median of all 3 fair value estimates is $14.27, 64.2% above the current price of $8.69 — a consensus view that BCBP is undervalued. The assessment depends on which methodology best fits BCB Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.0 mean for BCBP?

BCB Bancorp, Inc.'s QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BCBP?

CirclFi analyzes BCBP with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BCBP?

Of the 3 models currently active on BCBP, FTNN Topology is the most bullish at $18.40 per share, and Earnings Power Value (EPV) is the most bearish at $11.42. CirclFi's published fair value for BCBP is the median of that range, $14.27, not either extreme. The gap between the two ends equals 49% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is BCBP a value trap in 2026?

BCB Bancorp, Inc.'s Value Trap score is 29/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, BCB Bancorp, Inc. (BCBP) has a median fair value of $14.27 — 64.2% above the current price of $8.69 — as of 2026-08-27.” Source: circlfi.com/stock/BCBP/ · Methodology
Primary sources for this BCBP valuation
  • Financial statements: BCB Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001228454) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BCBP as of ; valuations recomputed .