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BCB BancorpBCBP -0.83%60 Debt-to-Equity is 0.61 as of Jun. 2026, which is 52% below its 10-year median of 1.27. GuruFocus rates BCBP with a GF Score™ of 60/100 and a GF Value™ of $9.43 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,421 Banks companies, BCB Bancorp ranks worse than 51.58% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BCB Bancorp's Debt-to-Equity or its related term are showing as below:
BCBP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.44 Med: 1.27 Max: 2.25
Current: 0.61
During the past 13 years, the highest Debt-to-Equity Ratio of BCB Bancorp was 2.25. The lowest was 0.44. And the median was 1.27.
BCBP's Debt-to-Equity is ranked worse than 51.58% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs BCBP: 0.61
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BCB Bancorp Debt-to-Equity Related Terms
BCB Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BCB Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BCBP vs BVFL, ECBK, TRCY: Debt-to-Equity Comparison
For the Banks - Regional subindustry, BCB Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BCB Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BCB Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BCB Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BCB Bancorp (BCBP) has a Debt-to-Equity of 0.61 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BCB Bancorp and its competitors. This is 52% below median its historical median of 1.27. Over the past decade, BCB Bancorp's Debt-to-Equity has ranged from 0.44 to 2.25. According to the industry distribution chart, BCB Bancorp ranks #733 out of 1421 companies in the Banks industry, placing it in the top 51.6%.
Is BCB Bancorp's Debt-to-Equity too high?
BCB Bancorp's current Debt-to-Equity of 0.61 is 52% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 2.25. The Banks industry median Debt-to-Equity is 0.58. BCB Bancorp's value of 0.61 is 5.2% above this industry median. Based on the distribution chart, BCB Bancorp ranks #733 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, BCB Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BCB Bancorp's Debt-to-Equity compare to BVFL and ECBK?
According to the Banks industry distribution chart, BCB Bancorp ranks #733 out of 1421 companies for Debt-to-Equity. This places BCB Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. BCB Bancorp's value of 0.61 is 5.2% above this benchmark. Historically, BCB Bancorp's own Debt-to-Equity has ranged from 0.44 to 2.25 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 0.58, BCB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCB Bancorp's current Debt-to-Equity of 0.61 is 5.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BCB Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCB Bancorp's current Debt-to-Equity is 0.61, which is 52% below median its own 10-year median of 1.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, BCB Bancorp (BCBP) is currently considered Fairly Valued. The stock's GF Value™ is $9.43, compared to a current price of $8.94 — trading 5.2% below its estimated fair value. The current Debt-to-Equity is 0.61, which is 52% below median its 10-year median of 1.27 and 5.2% above the Banks industry median of 0.58. BCB Bancorp's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BCB Bancorp (BCBP), the current Debt-to-Equity is 0.61 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BCB Bancorp (BCBP) Overvalued in 2026?
Based on GuruFocus' analysis, BCB Bancorp stock appears to be undervalued.
The current stock price of $8.94 is trading 5.2% below its estimated GF Value™ of $9.43.
GuruFocus considers BCB Bancorp to be Fairly Valued.
Key valuation signals for BCBP:
Debt-to-Equity: 0.61 (52% below median its 10-year median of 1.27)
GF Value™: $9.43 vs. price of $8.94 (5.2% below fair value)
Industry Position: 5.2% above the Banks median (#733 of 1421)
No single metric tells the full story. See the BCBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BCB Bancorp Inc is a bank holding company. The company offers loans, including commercial and multi-family real estate loans, home equity loans, construction loans, consumer loans, and commercial business loans; FDIC-insured deposit products, such as savings and club accounts, interest and non-interest bearing demand accounts, money market accounts, certificates of deposit and individual retirement accounts, and retail and commercial banking services, including wire transfers, money orders, safe deposit boxes, a night depository, debit cards, online banking, gift cards, fraud detection and automated teller services.
60GF Score
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