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BCB BancorpBCBP -0.83%60 5-Year Yield-on-Cost % is 6.09 as of Aug. 18, 2026, which is 18% above its 10-year median of 5.18. 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 1,255 Banks companies, BCB Bancorp ranks better than 73.31% on this metric.
BCB Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 6.09.
The historical rank and industry rank for BCB Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
BCBP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.46 Med: 5.18 Max: 9.41
Current: 6.09
During the past 13 years, BCB Bancorp's highest Yield on Cost was 9.41. The lowest was 3.46. And the median was 5.18.
BCBP's 5-Year Yield-on-Cost % is ranked better than 73.31% of 1255
companies
in the Banks industry
Industry Median: 3.81
vs BCBP: 6.09
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
BCB Bancorp 5-Year Yield-on-Cost % Related Terms
BCBP vs BVFL, ECBK, TRCY: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, BCB Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, BCB Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where BCB Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of BCB Bancorp is calculated as
BCB Bancorp (BCBP) has a 5-Year Yield-on-Cost % of 6.09 as of Aug. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BCB Bancorp and its competitors. This is 18% above median its historical median of 5.18. Over the past decade, BCB Bancorp's 5-Year Yield-on-Cost % has ranged from 3.46 to 9.41. According to the industry distribution chart, BCB Bancorp ranks #335 out of 1255 companies in the Banks industry, placing it in the top 26.7%.
Is BCB Bancorp's 5-Year Yield-on-Cost % too high?
BCB Bancorp's current 5-Year Yield-on-Cost % of 6.09 is 18% above median its 10-year median of 5.18. Over the past 10 years, this metric has ranged from a low of 3.46 to a high of 9.41. The Banks industry median 5-Year Yield-on-Cost % is 3.81. BCB Bancorp's value of 6.09 is 59.8% above this industry median. Based on the distribution chart, BCB Bancorp ranks #335 out of 1255 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to BVFL and ECBK?
According to the Banks industry distribution chart, BCB Bancorp ranks #335 out of 1255 companies for 5-Year Yield-on-Cost %. This puts BCB Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. BCB Bancorp's value of 6.09 is 59.8% above this benchmark. Historically, BCB Bancorp's own 5-Year Yield-on-Cost % has ranged from 3.46 to 9.41 over the past decade. While the company's 10-year median is 5.18 vs. the industry median of 3.81, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCB Bancorp's current 5-Year Yield-on-Cost % of 6.09 is 59.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BCB Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCB Bancorp's current 5-Year Yield-on-Cost % is 6.09, which is 18% above median its own 10-year median of 5.18. 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 5-Year Yield-on-Cost % is 6.09, which is 18% above median its 10-year median of 5.18 and 59.8% above the Banks industry median of 3.81. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For BCB Bancorp (BCBP), the current 5-Year Yield-on-Cost % is 6.09 as of Aug. 18, 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:
5-Year Yield-on-Cost %: 6.09 (18% above median its 10-year median of 5.18)
GF Value™: $9.43 vs. price of $8.94 (5.2% below fair value)
Industry Position: 59.8% above the Banks median (#335 of 1255)
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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