All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2026-09-03.
From the record
BCB Bancorp, Inc.'s filings since 2017 show 3 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2022-08-18); an auditor change (8-K item 4.01, 2 times, the latest 2026-09-03) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.3% a year over 10 filed years; profitable in 9 of 10.
From the record
BCB Bancorp, Inc.'s 10 filed years say what it did: revenue went from $71 million in fiscal 2016 to $173 million in fiscal 2025, up 10.3% a year; it rose in 6 of 9 years; the deepest fall was 11% from fiscal 2024 to fiscal 2025; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.3% a year. 25% of cash flow returned. Insiders: 0 sales, 9 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, BCB Bancorp, Inc.'s diluted share count shrank about 0.3% a year, and dividends and buybacks returned about 25% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 9 purchases of their own stock on the open market in the year to 2026-11-05, buying about $1 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE -4%: lost 4¢ per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, BCB Bancorp, Inc. lost about 4 cents for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 1.0% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 35% of 31 in its family; net margin -7.2%.
From the record
BCB Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $173 million in fiscal 2025 ranks in the top 37% by size; a net margin of -7.2% ranks in the bottom 11%; revenue growth of 9.6% a year over the last 3 filed years ranks in the bottom 31% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 8% of 25 in its family for leadership; chief executive since 2026.
From the record
BCB Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Obrien, Thomas M (CHIEF EXECUTIVE OFFICER, as filed), filing under that title since 2026-09-22, 2 months (bottom 2% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 4 years (bottom 8%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 15%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 27% of 25 in its family for room to expand.
From the record
BCB Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $277 million against no long-term debt tagged leaves 8.4% of its assets as net cash, top 20% of its family; cash from operations less capital spending is 20.2% of revenue (top 35%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 34% of 30 in its family for growth drivers.
From the record
BCB Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 9.6% a year over the last three filed years against 10.3% over all 10, slowing (bottom 18% of its family); the newest year grew -10.9% (bottom 2%); capital spending grew 26.4% a year (top 19%) (its annual reports). BCB Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 11% of 29 in its family for expectations against reality.
From the record
BCB Bancorp, Inc.'s newest year against its own record: revenue of $173 million in fiscal 2025 came in 26.6% below the $236 million its prior three years' pace pointed to (bottom 9% of its family); net income of $13 million against a prior three-year average of $31 million (bottom 12%); a net margin of -7.2% against 20% before (bottom 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made