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BCB Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.7M in Q3 2026 · $30.5M over twelve months

Operating cash flow$5.0M
Capital spending−$257K
Free cash flow+$4.7M

Analysis

In Q3 2026, BCB Bancorp generated $5.0M of operating cash flow and spent $257K on capital projects, leaving free cash flow of $4.7M. That is $3.7M less than in Q3 2025 ($8.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $31.6M; the largest uses were other financing ($260M), dividends ($5.4M), capital spending ($1.1M); besides operations, cash came from other investing ($394M), shares issued ($92.1M); the cash balance rose by $251M.

Operating cash flow was $5.0M against net income of −$132M. The largest differences: deferred taxes +$23.9M, other liabilities +$1.5M, stock-based pay +$788K.

Free cash flow

BCB Bancorp: free cash flow by quarterBCB Bancorp: free cash flow by quarter$6.8MQ4 2024$4.7MQ1 2025$10.2MQ2 2025$8.5MQ3 2025$11.5MQ4 2025$4.9MQ1 2026$9.3MQ2 2026$4.7MQ3 2026
Operating cash flow less capital spending.
BCB Bancorp: operating cash flow against capital spendingBCB Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$7.8M$952KQ4 2024$5.0M$291KQ1 2025$10.3M$156KQ2 2025$8.7M$280KQ3 2025$11.8M$320KQ4 2025$5.2M$266KQ1 2026$9.6M$237KQ2 2026$5.0M$257KQ3 2026
Latest (Q3 2026): Operating cash flow $5.0M, Capital spending $257K.

Capital allocation, year by year

BCB Bancorp: where the cash came from (up) and went (down), by fiscal yearBCB Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $45.9MFY2021: Shares issued $4.0MFY2021: Asset sales $742KFY2021: Capital spending −$325KFY2021: Buybacks −$4.2MFY2021: Dividends −$9.8M$50.6MFY2021FY2022: Operating cash flow $40.9MFY2022: Net borrowing $160MFY2022: Shares issued $7.4MFY2022: Capital spending −$518KFY2022: Buybacks −$3.4MFY2022: Dividends −$10.4M$208MFY2022FY2023: Operating cash flow $35.2MFY2023: Net borrowing −$160MFY2023: Shares issued $17.0MFY2023: Capital spending −$4.5MFY2023: Buybacks −$3.8MFY2023: Dividends −$10.4M$52.2MFY2023FY2024: Operating cash flow $67.7MFY2024: Shares issued $10.5MFY2024: Asset sales $4KFY2024: Capital spending −$1.2MFY2024: Dividends −$10.4M$78.2MFY2024FY2025: Operating cash flow $35.9MFY2025: Shares issued $1.6MFY2025: Capital spending −$1.0MFY2025: Dividends −$10.6M$37.6MFY2025
Over these 5 years operating cash flow totalled $226M; the largest uses were net borrowing ($160M) and dividends ($51.7M). Cash-flow statements as filed.

Where the cash came from and went

BCB Bancorp: sources (+) and uses (−) of cash, Q3 2026BCB Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$303MOther investing$259MShares issued$91.4MOther financing−$51.9MOperating cash flow$5.0MCapital spending−$257K
BCB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026BCB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing$394MOther financing−$260MCash drawn (+) / kept (−)−$251MShares issued$92.1MOperating cash flow$31.6MDividends−$5.4MCapital spending−$1.1M

From profit to cash

BCB Bancorp: net income to operating cash flow, Q3 2026BCB Bancorp: net income to operating cash flow, Q3 2026Net income−$132MStock-based pay$788KDeferred taxes$23.9MImpairments−$47KPrepaid and other assets$89KOther liabilities$1.5MOperating cash flow$5.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.0M−$257K—$91.4M−$303M$4.7M
Q2 2026$9.6M−$237K−$1.4M$200K$96.8M$9.3M
Q1 2026$5.2M−$266K−$1.4M$250K−$17.2M$4.9M
Q4 2025$11.8M−$320K−$2.6M$249K−$27.0M$11.5M
Q3 2025$8.7M−$280K−$2.6M$201K−$42.8M$8.5M
Q2 2025$10.3M−$156K−$2.7M$199K$45.9M$10.2M
Q1 2025$5.0M−$291K−$2.7M$991K$64.5M$4.7M
Q4 2024$7.8M−$952K−$2.6M$5.1M−$74.2M$6.8M

BCB Bancorp: income statement and cash flow

BCB Bancorp, Q3 2026: revenue $27.8M (+5% year over year), operating margin -392.5%. The chart follows the revenue to costs, profit and cash.

BCB Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.