BCB Bancorp, Inc. (NJ) (BCBP) Fair Value 2026

BCBP · Savings Institution, Federally Chartered ·

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

Quality Score

8.4 /10

32 fundamental signals · 9 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-07-13, BCB Bancorp, Inc. (NJ) (BCBP) trades at $10.34. QOC: 8.4/10. Value Trap Risk: 12/100 (SAFE). 9/13 models active.

Key Facts

Ticker
BCBP
Price
$10.34
Quality Score
8.4/10
Value Trap Risk
12/100
Models Active
9/13
Last Updated
Strength: CUCE Ensemble suggests +257.2% upside with 8% confidence
Risk: Limited model coverage (9/13) may reduce confidence

Valuation Matrix

9 Intrinsic Value Models vs. Current Price ($10.34)

Core Models (Unlocked)
Model Fair Value Upside
Earnings Power Value
High Conviction
 $13.57 +31.2%
CUCE Ensemble
Low Conviction
 $36.93 +257.2%
First Chicago
High Conviction
 $33.75 +226.4%
ML-RIV
Medium Conviction
 $36.60 +254.0%

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

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for BCB Bancorp, Inc. (NJ). Trading at $10.34 against an estimated intrinsic value of $22.82, 7 of 9 active models flag meaningful upside of +120.7% on average. The most optimistic model, CUCE, places fair value at $36.93 (+257.2%), while PWERM — the most conservative — estimates $10.44 (+1.0%). This +256.2% gap reflects genuine analytical uncertainty about BCB Bancorp, Inc. (NJ)'s intrinsic worth.

What Do the Models Say About BCBP?

9 of 13 models are currently active for BCBP. All 9 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does BCBP Rank in Savings Institution, Federally Chartered?

Among 36 Savings Institution, Federally Chartered stocks, BCBP ranks #8 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places BCBP in the top tier.

See all Most Undervalued Savings Institution, Federally Chartered Stocks →

BCB Bancorp, Inc. (NJ) operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is BCBP a Value Trap?

CirclFi's Value Trap algorithm assigns BCBP a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

9 of 13 models are active for BCB Bancorp, Inc. (NJ). Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, BCB Bancorp, Inc. (NJ)'s fundamental quality profile registers 8.4/10. This robust 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 +256.2% — 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 9 active models, average confidence is 37%. 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. (NJ) Stock in 2026? →

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

Which Similar Savings Institution, Federally Chartered Stocks Should You Also Analyze?

8 related Savings Institution, Federally Chartered stocks with 13-model coverage

CPBICentral Plains Bancshares, Inc.QOC 9.5MGYRMagyar Bancorp, Inc.QOC 9.3HTBHomeTrust Bancshares, Inc.QOC 9.1AXAxos Financial, Inc.QOC 9.0FCAPFirst Capital, Inc.QOC 8.7CLSTCatalyst Bancorp, Inc.QOC 8.5BVFLBV Financial, Inc.QOC 8.5PFSProvident Financial Services, IQOC 8.1

Read investment analysis: CPBI · MGYR · HTB · AX · FCAP

See all Savings Institution, Federally Chartered stocks ranked →

Frequently Asked Questions About BCB Bancorp, Inc. (NJ)

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

Based on CirclFi's 13-model analysis, BCB Bancorp, Inc. (NJ) (BCBP) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 8.4/10 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 $10.34, 9 of 9 active models suggest BCBP may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits BCB Bancorp, Inc. (NJ)'s business model in Savings Institution, Federally Chartered.

What does a Quality of Company score of 8.4 mean for BCBP?

BCB Bancorp, Inc. (NJ)'s QOC of 8.4/10 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 9 of 13 are active for this stock. Read the full methodology →

Is BCBP a value trap in 2026?

BCB Bancorp, Inc. (NJ)'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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