BCB Bancorp, Inc. (BCBP)

BCB Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-154.35	-12.53	18.62	29.48	45.58	34.24
Depreciation & Amortization	0.31	0.97	0.25	-0.56	2.3	3.05
Gain (Loss) on Sale of Assets	-3.28	-	-0	-0.08	-	-0.38
Gain (Loss) on Sale of Investments	0.85	0.3	-0.38	3.36	6.27	-0.15
Total Asset Writedown	5.25	-	-	-	-	-
Provision for Credit Losses	148.93	42.01	11.57	6.1	-3.08	3.86
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.02	0.03	35.22	-0.59	0.42	3.25
Accrued Interest Receivable	2.18	1.34	0.9	-2.62	-4.27	3.74
Change in Other Net Operating Assets	-7.83	-5.19	-4.22	-0.67	-6.69	0.69
Other Operating Activities	35.65	9.14	0.26	-2.54	-2.66	-1.8
Operating Cash Flow	31.58	35.92	67.73	35.16	40.89	45.89
Operating Cash Flow Growth	-0.89%	-46.97%	92.64%	-14.02%	-10.90%	-67.06%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.08	-1.05	-1.23	-4.53	-0.52	-0.33
Sale of Property, Plant and Equipment	-	-	0	-	-	0.74
Investment in Securities	-14.9	-21.09	-11.46	7.48	-16.13	6.46
Net Decrease (Increase) in Loans Originated / Sold - Investing	391.74	244.42	234.8	-231.62	-734.32	-11.71
Other Investing Activities	8.37	10.1	0.65	-4.8	-10.53	-3.26
Investing Cash Flow	392.42	232.38	222.77	-233.32	-761.5	-7.67

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	-	160	-
Long-Term Debt Issued	-	-	38.75	400	150	10
Total Debt Issued	100	-	38.75	400	310	10
Short-Term Debt Repaid	-	-	-	-160	-	-
Long-Term Debt Repaid	-	-220.8	-51.5	-150	-	-130
Total Debt Repaid	-280.8	-220.8	-51.5	-310	-	-130
Net Debt Issued (Repaid)	-180.8	-220.8	-12.75	90	310	-120
Issuance of Common Stock	92.08	1.12	0.82	1.77	0.64	0.77
Repurchase of Common Stock	-	-	-	-3.82	-3.41	-4.21
Preferred Stock Issued	-	0.52	9.69	15.27	6.81	3.2
Preferred Share Repurchases	-	-	-10.01	-11.23	-14.73	-
Common Dividends Paid	-5.38	-10.63	-10.44	-10.44	-10.38	-9.78
Preferred Dividends Paid	-0.96	-1.93	-1.83	-0.7	-0.8	-1.16
Total Dividends Paid	-6.35	-12.55	-12.28	-11.14	-11.18	-10.94
Net Increase (Decrease) in Deposit Accounts	-78.24	-77.29	-228.22	167.47	250.21	243.35
Financing Cash Flow	-173.3	-309	-252.74	248.33	538.34	112.18

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	250.7	-40.7	37.76	50.16	-182.27	150.4

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	30.5	34.87	66.5	30.63	40.37	45.57
Free Cash Flow Growth	1.05%	-47.56%	117.11%	-24.13%	-11.40%	-66.97%
Free Cash Flow Margin	-	58.53%	79.75%	30.02%	34.03%	44.57%
Free Cash Flow Per Share	1.72	2.03	3.91	1.81	2.33	2.64

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	69.01	81.06	102.57	81.59	15.48	15.59
Cash Income Tax Paid	0.66	1.8	6.88	18.03	18.8	12.02

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 8, 2026

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