BCB Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	2.77	18.62	29.48	45.58	34.24	20.86
Depreciation & Amortization	0.89	0.25	-0.56	0.58	2.22	0.44
Provision for Credit Losses	33.97	11.57	6.1	-3.08	3.86	9.44
Stock-Based Compensation	0.92	0.77	0.59	1.13	0.42	1.19
Net Change in Loans Held-for-Sale	9.08	35.22	-0.59	0.42	3.25	122.93
Other Adjustments	-7	2.57	-0.84	2.46	-4.92	-8.98
Changes in Accrued Interest and Accounts Receivable	0.7	0.9	-2.62	-4.27	3.74	-4.61
Changes in Accounts Payable	-1.44	-0.58	2.7	2.02	-0.41	-1.25
Changes in Other Operating Activities	0.76	-1.59	1.08	-4.02	3.64	1.2
Operating Cash Flow	31.86	67.73	35.16	40.89	45.89	139.35
Operating Cash Flow Growth	-47.43%	92.64%	-14.02%	-10.90%	-67.06%	474.22%
Net Change in Loans Held-for-Investment	245.87	234.8	-231.62	-734.32	-11.71	-247.13
Net Change in Securities and Investments	-14.4	-11.46	7.48	-16.13	6.46	-17.77
Capital Expenditures	-1.68	-1.23	-4.53	-0.52	-0.33	-1.39
Sale of Property, Plant & Equipment	-	0	-	-	0.74	7.42
Other Investing Activities	7.44	0.65	-4.65	-10.53	-2.84	-56.63
Investing Cash Flow	238.24	222.77	-233.32	-761.5	-7.67	-315.49
Net Change in Deposits	-37.19	-228.22	167.47	250.21	243.35	-44.01
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-160	160	-130	88.16
Long-Term Debt Issued	-0.05	38.75	400	150	10	-
Long-Term Debt Repaid	-210.3	-51.5	-150	-	-	-142.8
Net Long-Term Debt Issued (Repaid)	-210.35	-12.75	250	150	10	-142.8
Issuance of Common Stock	-0.45	0.82	1.77	0.64	0.77	0.36
Repurchase of Common Stock	-	-	-3.82	-3.41	-4.21	-4.87
Net Common Stock Issued (Repurchased)	-0.45	0.82	-2.04	-2.77	-3.44	-4.51
Issuance of Preferred Stock	5.49	9.69	15.27	6.81	3.2	11.19
Repurchase of Preferred Stock	-10.01	-10.01	-11.23	-14.73	-	-10.49
Net Preferred Stock Issued (Repurchased)	-4.52	-0.32	4.04	-7.92	3.2	0.71
Common Dividends Paid	-10.61	-10.44	-10.44	-10.38	-9.78	-9.23
Preferred Share Dividends Paid	-1.92	-1.83	-0.8	-0.8	-1.16	-1.3
Financing Cash Flow	-272.91	-252.74	248.33	538.34	112.18	-112.98
Net Cash Flow	6.49	37.76	50.16	-182.27	150.4	-289.12
Free Cash Flow	30.18	66.5	30.63	40.37	45.57	137.96
Free Cash Flow Growth	-54.61%	117.11%	-24.13%	-11.40%	-66.97%	534.17%
FCF Margin	46.73%	79.75%	30.02%	34.04%	44.57%	165.30%
Free Cash Flow Per Share	1.76	3.91	1.81	2.33	2.64	8.01
Levered Free Cash Flow	-210.27	1.8	274.87	188.57	51.94	-128.84
Unlevered Free Cash Flow	-0.77	-2.25	-3.92	-6.21	8.86	-5.6

Updated Nov 5, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q