BCB Bancorp, Inc. (NJ) — Earnings Quality Grade B
BCBP · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 47 days, change -8 days YoY
AR growth -9.4% vs revenue growth 7.0%
Revenue 7.0%, CFFO -47.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -14.5% vs revenue 7.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -2.87. Below 1.0
FCF $0.0B, FCF/NI = -2.78
Accruals ratio = -1.5%. Low accruals
Cash $0.3B covers 96% of debt $0.3B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
BCB Bancorp, Inc. (NJ) is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25