BCBP PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

BCBP ▼ -0.54% at T+20d

LONG call ✗ call lost -0.54% · α vs SPY -5.46% · entry $9.72 → $9.67

Next anchor: T+60d in 5w

Last close $11.21 (close Jun 8) · +15.30% from $9.72 entry

Entry anchored
Apr 20, 03:59 PM ET
via Databento tick

T+1d

+1.41%

call +1.41% · α +0.39%

$9.86

settled 7w ago

T+5d

+7.27%

call +7.27% · α +6.19%

$10.43

settled 6w ago

T+20d

-0.54%

call -0.54% · α -5.46%

$9.67

settled 22d ago

T+60d

—

call — · α —

—

in 5w

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Executive Summary

BCB Bancorp (BCBP) reported Q1 2026 net income of $4.9 million, or $0.26 per diluted share, reversing a $12.0 million loss in the prior quarter and a $8.3 million loss in the year-ago period. The beat versus the $0.21 consensus estimate reflects a strong recovery in credit quality and lower provisioning, though net interest margin declined modestly. The company maintained its quarterly dividend at $0.08 per share.

Actionable Insight

The sharp reduction in credit loss provisioning and improving asset quality signal a potential inflection point after a difficult 2025. Traders should monitor loan growth and margin trends in coming quarters to assess sustainability of the turnaround.

Key Facts

Reported EPS of $0.26 for Q1 2026, beating consensus estimate of $0.21 by 23.8%
Net income turned positive at $4.9 million, compared to a $12.0 million loss in Q4 2025 and $8.3 million loss in Q1 2025
Provision for credit losses dropped sharply to $2.8 million from $12.2 million in Q4 2025 and $20.8 million in Q1 2025
Non-accrual loans decreased to $59.8 million (2.22% of gross loans) from $63.3 million (2.32%) in prior quarter and $99.8 million (3.36%) in year-ago quarter
Net interest margin was 2.95%, down from 3.03% in prior quarter but up from 2.59% in Q1 2025

Financial Impact

EPS beat of $0.05 (23.8%) and return to profitability after two consecutive loss-making quarters

epsnet_incomeprovision_for_credit_lossesnet_interest_margin

Risk Factors

Net interest margin declined 8 basis points sequentially despite falling cost of funds
Loans receivable decreased 1.3% to $2.656 billion, reflecting ongoing balance sheet contraction
Efficiency ratio remains elevated compared to pre-2025 levels despite improvement

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3277950

6 reports for BCBP

T+1T+5T+20T+60

33% Hit rate 1 of 3 directional calls best @ T+5▲ +6.57%Apr 22, 2026

Filters

Reports for BCBP — sortable, filterable
	Type				Now
Jun 3, 2026 6d ago	8-K BEARISH ★ 6/10	$11.11 $11.33	▼ −1.98%	▼ −1.58%	$11.21 (−0.90%)
Jun 1, 2026 8d ago	8-K MIXED ★ 5/10	$11.44 $11.47	▲ +0.26%	▲ +0.12%	$11.21 (−2.01%)
May 21, 2026 19d ago	8-K BEARISH ★ 5/10	$9.81 $9.91	▼ −1.02%	▼ −0.57%	$11.21 (−14.27%)
Apr 22, 2026 6w ago	8-K BULLISH ★ 7/10	$9.78 $10.03	▲ +2.53%	▲ +2.93%	$11.21 (+14.60%)
Apr 21, 2026 7w ago	Press Release BULLISH ★ 7/10	$9.72 $9.86	▲ +1.41%	▲ +0.39%	$11.21 (+15.30%)
Feb 24, 2026 15w ago	8-K NEUTRAL ★ 3/10	$8.17 $8.26	▲ +1.16%	▲ +1.71%	$11.21 (+37.29%)

US Market Status

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