BCBP

BCB Bancorp, Inc.

There isn't enough reported data to score BCBP yet.

GS

The Goldman Sachs Group, Inc.

64
Fundamentals69/ 100
Valuation50/ 100
Upside potential57/ 100
Risk potential14/ 100

GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

BCBP Fundamentals

MetricStatus
Stable
Weak
N/A
N/A

BCBP's revenue is currently stable, but its profitability is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCBP.

GS Fundamentals

MetricStatus
Strong
Strong
N/A
N/A

GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.

BCBP PE Valuation

BCBP has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 19x next year's earnings.

GS PE Valuation

CHEAPFAIREXPENSIVE5.2x10x16x21x
CHEAPFAIREXPENSIVE5.2x10x16x21x
LevelPEPriceVs current
Cheap7.6x$528-42%
Current13x$914—
Forward13x$914—
Fair14x$940+2.9%
Expensive17x$1,214+33%

Historical ranges are pointers, not guarantees.

GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.

BCBP Forward outlook

MetricOutlook
--
Returning to profit
Strong growth
--
Limited
Low

Analysts expect BCBP to return to profit, with revenue growing. However, they disagree widely on these estimates.

GS Forward outlook

MetricOutlook
Stable
Strong growth
Growth
Strongly improving
Limited
Low

Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.

BCBP Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $9.17 on Nov 12.

There is not enough scenario data to compare BCBP and GS's risk to reward.

GS Risk to reward

ScenarioChangePrice
Upside+19%$1,085.26
Downside-14%$781.84

Calculated from the latest close: $913.60 on Nov 12.

There is not enough scenario data to compare BCBP and GS's risk to reward.

BCBP Earnings Per Share

Q4 2023: $1.70Q1 2024: $1.56Q2 2024: $1.20Q3 2024: $1.17Q4 2024: $0.99Q1 2025: $0.16Q2 2025: $0.20Q3 2025: $0.06Q4 2025: $-0.84Q1 2026: $-0.07Q2 2026: $-1.10Q3 2026: $-8.24Forward: $0.47
Q4 2023: $1.70Q1 2024: $1.56Q2 2024: $1.20Q3 2024: $1.17Q4 2024: $0.99Q1 2025: $0.16Q2 2025: $0.20Q3 2025: $0.06Q4 2025: $-0.84Q1 2026: $-0.07Q2 2026: $-1.10Q3 2026: $-8.24Forward: $0.47
QuarterTTM EPSYoY
Forward$0.47—
Q3 2026-$8.24-13833%
Q2 2026-$1.10-650%
Q1 2026-$0.07-144%
Q4 2025-$0.84-185%
Q3 2025$0.06-95%
Q2 2025$0.20-83%
Q1 2025$0.16-90%
Q4 2024$0.99-42%

BCBP has swung to a loss: it lost $8.24 per share over the past year, after a profit the year before.

GS Earnings Per Share

Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
QuarterTTM EPSYoY
Forward$72.35+4%
Q3 2026$69.58+41%
Q2 2026$64.82+43%
Q1 2026$54.75+27%
Q4 2025$51.32+27%
Q3 2025$49.22+44%
Q2 2025$45.37+45%
Q1 2025$43.08+68%
Q4 2024$40.54+77%

GS has the edge over BCBP on earnings quality, reporting a profit while its opponent remains loss making.

BCBP Quarterly Revenue

Q4 2023: $27MQ1 2024: $25MQ2 2024: $20MQ3 2024: $26MQ4 2024: $23MQ1 2025: $24MQ2 2025: $25MQ3 2025: $26MQ4 2025: $26MQ1 2026: $25MQ2 2026: $23MQ3 2026: $28M
Q4 2023: $27MQ1 2024: $25MQ2 2024: $20MQ3 2024: $26MQ4 2024: $23MQ1 2025: $24MQ2 2025: $25MQ3 2025: $26MQ4 2025: $26MQ1 2026: $25MQ2 2026: $23MQ3 2026: $28M
QuarterRevenueYoY
Q3 2026$27.8M+5%
Q2 2026$22.9M-9.1%
Q1 2026$24.9M+4.8%
Q4 2025$26.2M+13%
Q3 2025$26.5M+1.1%
Q2 2025$25.2M+23%
Q1 2025$23.8M-5.8%
Q4 2024$23.1M-15%

BCBP's revenue has held roughly level: $28M last quarter, up 5% from the same quarter a year ago.

GS Quarterly Revenue

Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
QuarterRevenueYoY
Q3 2026$18.7B+23%
Q2 2026$20.3B+39%
Q1 2026$17.2B+14%
Q4 2025$13.5B-3%
Q3 2025$15.2B+20%
Q2 2025$14.6B+15%
Q1 2025$15.1B+6%
Q4 2024$13.9B+23%

GS has the edge over BCBP on sales, with more consistent year-over-year improvement.

BCBP Free Cash Flow

Q4 2023: $475,000Q1 2024: $8MQ2 2024: $8MQ3 2024: $43MQ4 2024: $7MQ1 2025: $5MQ2 2025: $10MQ3 2025: $8MQ4 2025: $12MQ1 2026: $5MQ2 2026: $9MQ3 2026: $5M
Q4 2023: $475,000Q1 2024: $8MQ2 2024: $8MQ3 2024: $43MQ4 2024: $7MQ1 2025: $5MQ2 2025: $10MQ3 2025: $8MQ4 2025: $12MQ1 2026: $5MQ2 2026: $9MQ3 2026: $5M
QuarterFree cash flowYoY
Q3 2026$4.7M-44%
Q2 2026$9.3M-8.2%
Q1 2026$4.9M+4%
Q4 2025$11.5M+69%
Q3 2025$8.5M-81%
Q2 2025$10.2M+26%
Q1 2025$4.7M-42%
Q4 2024$6.8M+1339%

BCBP has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.

GS Free Cash Flow

Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
QuarterFree cash flowYoY
Q3 2026$3.7B+72%
Q2 2026$5.6B+7.8%
Q1 2026-$32.4B+$5.3B
Q4 2025-$16.8B-136%
Q3 2025$2.1B+$40.6B
Q2 2025$5.2B-6.8%
Q1 2025-$37.7B-$9.2B
Q4 2024$46.2B+$75.1B

GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.

BCBP Total Shares

Q4 2023: 17MQ1 2024: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ1 2025: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ1 2026: 17MQ2 2026: 17MQ3 2026: 19M
Q4 2023: 17MQ1 2024: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ1 2025: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ1 2026: 17MQ2 2026: 17MQ3 2026: 19M
PeriodChange %Net change
Quarterly+11%+1.8M shares
1 year+11%+1.9M shares
3 years+14%+2.3M shares
5 years+11%+1.9M shares
Available history+17%+2.7M shares

BCBP has 19M diluted shares, up 11% from a year ago.

GS Total Shares

Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
PeriodChange %Net change
Quarterly-1.2%-3.8M shares
1 year-4.4%-13.9M shares
3 years-12%-42.8M shares
5 years-15%-52.8M shares
Available history-20%-74.4M shares

GS has the edge over BCBP on shareholder dilution, with a more favorable share count trend.

BCBP Net Leverage

Q4 2023: 0.5xQ1 2024: 0.6xQ2 2024: 0.8xQ3 2024: 1.7xQ4 2024: 17.3xQ1 2025: 3.9xQ2 2025: 3.5xQ3 2025: 5.7xQ1 2026: 19.3x
Q4 2023: 0.5xQ1 2024: 0.6xQ2 2024: 0.8xQ3 2024: 1.7xQ4 2024: 17.3xQ1 2025: 3.9xQ2 2025: 3.5xQ3 2025: 5.7xQ1 2026: 19.3x
QuarterNet LeverageStatus
Q1 202619.3xHigh
Q3 20255.7xHigh
Q2 20253.5xElevated
Q1 20253.9xElevated
Q4 202417.3xHigh
Q3 20241.7xHealthy
Q2 20240.8xVery low
Q1 20240.6xVery low

BCBP's net debt is about 19 years of its operating earnings (EBITDA), up from 17 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BCBP.

GS Net Leverage

Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
QuarterNet LeverageStatus
Q3 2026-5.4xNet Cash
Q2 2026-6.1xNet Cash
Q1 2026-6.7xNet Cash
Q4 2025-6.4xNet Cash
Q3 2025-3.5xNet Cash
Q2 2025-3.1xNet Cash
Q1 2025-3.9xNet Cash
Q4 2024-4.7xNet Cash

GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.

BCBP Weekly Momentum

MetricValueStatus
RSI51.8Neutral
Stochastic60.5Neutral

BCBP's weekly RSI is 52 (neutral) and its Stochastic is 60 (neutral).

GS Weekly Momentum

MetricValueStatus
RSI44.5Neutral
Stochastic16.3Oversold

GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).

BCBP PE vs Financial Services Sector

MetricBCBPSector medianRelative
PEN/A13x—

BCBP has no meaningful PE right now: it lost money over the past year.

GS PE vs Financial Services Sector

MetricGSSector medianRelative
PE13x13x0.8% above
PE %466317 pts below

GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

BCBP Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$8.685.6% above
20 week MA$9.090.9% above
50 week MA$9.061.2% above
100 week MA$9.090.9% above
200 week MA$10.613% below

BCBP has the edge over GS on trend strength, trading above more of its moving averages.

GS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$895.52% above
20 week MA$977.46.5% below
50 week MA$945.43.4% below
100 week MA$804.514% above
200 week MA$602.752% above

GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.

BCBP Yearly ROI

YearStart priceEnd priceROI
2020$13.9$10.8-22%
2021$10.8$15.6+45%
2022$15.6$18.0+16%
2023$18.0$12.9-29%
2024$12.9$11.7-9.3%
2025$11.7$8.27-29%
2026 YTD$8.27$9.17+11%

BCBP has the edge over GS on returns for 2026, with the stronger performance.

GS Yearly ROI

YearStart priceEnd priceROI
2020$230.7$256.2+11%
2021$256.2$385.0+50%
2022$385.0$345.5-10%
2023$345.5$385.8+12%
2024$385.8$576.2+49%
2025$576.2$907.0+57%
2026 YTD$907.0$913.6+0.7%

GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.

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