Here's What Key Metrics Tell Us About BCB Bancorp (BCBP) Q3 Earnings

Core Insights - BCB Bancorp reported revenue of $26.46 million for the quarter ended September 2025, reflecting a 1.1% increase year-over-year and a surprise of +3.02% over the Zacks Consensus Estimate of $25.68 million [1] - The company's EPS was $0.22, down from $0.36 in the same quarter last year, with an EPS surprise of +4.76% compared to the consensus estimate of $0.21 [1] Financial Performance Metrics - Net Interest Margin was reported at 2.9%, exceeding the average estimate of 2.8% from two analysts [4] - The Efficiency Ratio was 62.6%, higher than the average estimate of 60% from two analysts [4] - Total Non-Interest Income reached $2.75 million, surpassing the estimated $2.22 million [4] - Net Interest Income was reported at $23.71 million, above the average estimate of $23.46 million [4] Stock Performance - BCB Bancorp's shares have returned -7.4% over the past month, contrasting with the Zacks S&P 500 composite's +2.5% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]