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BCB Bancorp (BCBP) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · BCB Bancorp (BCBP) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $27.8M · 477¢ of every $1 of revenue lost · operating margin -392.5%
BCB Bancorp made $27.8M in Q3 2026 (+5% Y/Y): Net interest income $22.6M, Noninterest income $5.2M. Operating margin -392.5%, net loss $132M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
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What changed this quarter
Revenue was $27.8M in Q3 2026, up 5% year over year and up 21% from the previous quarter. Net interest income was the largest line at 81% of revenue. Noninterest income added $2.4M year over year (up 88%), 185% of the total change. Net interest income declined 5%.
Operating costs exceeded revenue by $109.0M, an operating margin of -392.5%. Total costs grew 562% against revenue growth of 5%. The fastest-growing cost line was Other operating costs (+2718%). The quarter ended with a net loss of $132.5M, wider than the previous quarter's $14.8M loss.
Operating cash flow was $5.0M (down 43% year over year). Non-cash charges added back $788K of share-based compensation. Working capital and other items added $136.7M. Capital expenditures of $257K left free cash flow of $4.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $27.8M | +5% | -392.5% | −$132M | $5.0M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About BCB Bancorp
Established in 2000 and headquartered in Bayonne, N.J., BCB Community Bank is the wholly-owned subsidiary of BCB Bancorp, Inc. (NASDAQ: BCBP). The Bank has twenty-two branch offices in Bayonne, Edison, Hoboken, Fairfield, Holmdel, Jersey City, Lyndhurst, Maplewood, Monroe Township, Newark, Plainsboro, River Edge, Rutherford, South Orange, Union, and Woodbridge, New Jersey, and four branches in Hicksville and Staten Island, New York. The Bank provides businesses and individuals a wide range of loans, deposit products, and retail and commercial banking services. For more information, please go to www.bcb.bank.
In its own words, from its 8-K, filed Aug 3, 2026.
BCB Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +5%. Operating margin: -392.5% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BCBP BCB Bancorp | Q3 2026 | $27.8M | +5% | -392.5% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: BCB Bancorp 10-Q on SEC EDGAR · CIK 1228454 · Savings Institution, Federally Chartered
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Every quarter: Q3 2026 results