Here's What Key Metrics Tell Us About BCB Bancorp (BCBP) Q4 Earnings

Core Viewpoint - BCB Bancorp reported a significant decline in revenue and earnings per share (EPS) for the quarter ended December 2024, indicating potential challenges in its financial performance [1]. Financial Performance - Revenue for the quarter was $23.13 million, down 14.8% year-over-year, and below the Zacks Consensus Estimate of$ 25.06 million by 7.68% [1]. - EPS for the quarter was $0.16, a decrease from$ 0.35 a year ago, representing a surprise of -44.83% compared to the consensus estimate of $0.29 [1]. Key Metrics - Net Interest Margin was reported at 2.5%, slightly below the estimated 2.6% [4]. - The Efficiency Ratio was 62.1%, higher than the average estimate of 56.9% [4]. - Total Non-Interest Income was$ 0.94 million, significantly lower than the estimated $2.06 million [4]. - Net Interest Income was$ 22.19 million, compared to the average estimate of $22.99 million [4]. Stock Performance - BCB Bancorp shares returned +1.8% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3]. - The stock currently holds a Zacks Rank 4 (Sell), suggesting potential underperformance in the near term [3].