AI Stock Memo: BCBP - BCB Bancorp - RankAlpha

BCBP

Rating buyAI Memo

BCB Bancorp

As of 2026-02-01/Confidence medium

Open ticker Back to Memos

Data freshness

AI Memo

As of 2026-02-01 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

buy

Confidence

medium

Horizon

—

Key catalyst

Quarterly earnings / asset-quality update (estimated) • 2026-04-30

Expected move: -10%

Biggest risk

Deposit pressure, rising funding costs, or material credit deterioration force higher provisions and compress multiples, moving the stock toward the bear scenario.

Invalidation

Break below $7 or thesis failure.

What would change my mind?

Execution on loan growth, stable NIM, and supportive analyst revisions push valuation toward the high end of consensus within 12 months.

Research note

Recommendation

buy

Confidence

medium

As of

2026-02-01

Base target

p=60%

Bull target

$12

p=20%

Bear target

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Analyst re-rating / consensus upgrades
Regional loan growth and deposit normalization
Execution on loan growth, stable NIM, and supportive analyst revisions push valuation toward the high end of consensus within 12 months.

BearKey bullets

Adverse regulatory action or material SEC disclosure
Larger-than-expected deposit outflows or funding-cost spikes
Unexpected credit charge-offs or spike in nonperforming loans disclosed in filings

WatchKey bullets

Quarterly earnings / asset-quality update (estimated)

Summary

High-level snapshot

Recommendation

buy

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $9 (p=60%)

Bull/Bear spread: +17% / -32%

Vs latest close: Bull +17% · Base -10% · Bear -32%

Scenario probabilities

Bull Target: $12 (p=20%)Base Target: $9 (p=60%)Bear Target: $7 (p=20%)

Commentary

Tone is neutral-to-cautious after the 2025-11-05 10‑Q and IR release (Form 10‑Q filed 2025-11-05). Aggregated analyst pages (MarketBeat, MarketWatch) show a modest upside consensus (median ~$9.25) versus the anchor, producing a cautiously constructive market tone. Coverage is limited; conviction remains tempered by execution and deposit/credit risks.

As of 2026-02-01 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Execution on loan growth, stable NIM, and supportive analyst revisions push valuation toward the high end of consensus within 12 months.

Bear Case

Deposit pressure, rising funding costs, or material credit deterioration force higher provisions and compress multiples, moving the stock toward the bear scenario.

Drivers

Scannable catalysts and supporting factors

Analyst re-rating / consensus upgrades
Regional loan growth and deposit normalization

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-02-01Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$9.25

Range (USD)

$7.64 - $12.60

Count

Query: BCB Bancorp Inc Common (BCBP) analyst consensus price target high low average

BCB Bancorp, Inc. (NJ) (BCBP) Stock Forecast and Price Target 2026
Search result #1
According to the 4 analysts' twelve-month price targets for BCB Bancorp, Inc. (NJ), the average price target is $9.25. The highest price target for BCBP is ...
Extracted: $9.25Open source
BCB Bancorp, Inc.: Target Price Consensus and Analysts ...
Search result #2
BCB BANCORP, INC. 7.890 $ +0.90%. Add to a list · Stock BCBP BCB BANCORP, INC. PDF Report. Consensus BCB Bancorp, Inc. Equities. BCBP. US0552981039. Banks ...
Open source
BCB Bancorp, Inc. (BCBP) Stock Price, News, Quote & History
Search result #3
Find the latest BCB Bancorp, Inc. (BCBP) stock quote, history, news and other vital information to help you with your stock trading and investing.
Open source
BCB Bancorp (BCBP) Price Targets - Zacks Investment Research
Search result #4
The forecasts range from a low of $8.50 to a high of $11.00. The average price target represents an increase of 24.35% from the last closing price of $7.64.
Extracted: $8.50, $11.00, $7.64Open source
BCBP | BCB Bancorp Inc. Analyst Estimates - MarketWatch
Search result #5
Stock Price Targets. High, $12.00. Median, $9.50. Low, $9.00. Average, $10.17. Current Price, $8.27. Yearly Numbers. Estimates. BCBP will report 2025 earnings ...
Extracted: $12.00, $9.50, $9.00, $10.17, $8.27Open source
BCBP - BCB Bancorp, Inc. (NasdaqGM) - Share Price and News
Search result #6
The average one-year price target for BCB Bancorp, Inc. is $10.37. The forecasts range from a low of $9.09 to a high of $12.60. A stock's price target is the ...
Extracted: $10.37, $9.09, $12.60Open source

Scenarios

Bull Target (Scenario probability)

$12 / p=20% prob

Base Target (Scenario probability)

$9 / p=60% prob

Bear Target (Scenario probability)

$7 / p=20% prob

Price $10 as of 2026-05-28

Nearest Scenario: Base (∆ 10%)

Targets vs latest close: Bull +17% · Base -10% · Bear -32%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-04-30
Quarterly earnings / asset-quality update (estimated)
Quarterly report or 8‑K could confirm NIM and credit trends; primary evidence: Form 10‑Q (filed 2025-11-05) and recent 8‑Ks. Assumption: management commentary on NIM/credit will materially move the stock.
Prob 60.00% • Move 12.00% • Priced-in 50.00%

Short-term Catalysts

Next few weeks

Analyst re-rating / consensus upgrades
2026-05-02
Consensus pages show a median above the anchor; upgrades or new positive notes (MarketBeat, MarketWatch) could trigger a re-rating. Evidence: MarketBeat forecast and MarketWatch analyst pages. Assumption: supportive analyst notes within the next 90 days will lift sentiment.
Prob 40% • Move 20% • Priced-in 30%

Long-term Catalysts

Months to a year

Regional loan growth and deposit normalization
2027-02-01
A sustained recovery in loan origination and a healthier deposit mix could justify multiple expansion toward analyst highs (Zacks/Fintel aggregations). Assumption: execution on commercial lending and stable credit metrics over 12 months.
Prob 30% • Move 55% • Priced-in 20%

Risks

Adverse regulatory action or material SEC disclosure
Larger-than-expected deposit outflows or funding-cost spikes
Unexpected credit charge-offs or spike in nonperforming loans disclosed in filings

Peers

Symbol	Summary
FULT	Community/regional bank with similar deposit and commercial lending exposure — useful for capital and deposit-competition comparisons.
OZK	Mid-sized regional with commercial lending focus and comparable sensitivity to CRE/credit-cycle shifts.
FHN	Larger regional peer highlighting differences in diversification and capital‑markets access versus a smaller bank like BCBP.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: BCB Bancorp Inc Common (BCBP) analyst consensus price target high low average
Analysis date: 2026-02-01