Capital Intensity
Score how much of a company is physical plant, inventory, and equipment, whether that base is being maintained, and whether the shares have tangible backing.
BCB Bancorp Inc
Banks, insurers, and other financials hold few plants and little inventory, so a physical-asset screen is a poor fit. The ratios below are still the latest annual figures. Capex is 1.08x depreciation and free cash flow yield is still positive, which fits a physical base that is being replaced or expanded without consuming all of its cash. EBITDA after capex covers debt service by -0.20x, which is below 1.
Fixed-asset turnover is 7.33x. Compare it with other names in the same basket.
Physical asset ratio
0.7%Physical asset ratio · 2025-12-31(Net PP&E + inventory) / total assetsNet PP&E$22.72MpropertyPlantAndEquipmentNetInventory$0.00Not reported, treated as 0Total assets$3.28BtotalAssetsInventory was not reported and is treated as zero.Result 0.7%
Net PP&E plus inventory, divided by total assets. Above 50% is a heavy footprint.
Fixed asset turnover
7.33xFixed asset turnover · 2025-12-31Revenue / net PP&ERevenue$166.44MtotalRevenueNet PP&E$22.72MpropertyPlantAndEquipmentNetResult 7.33x
Revenue per dollar of the physical asset base.
Capex / D&A
1.08xCapex / D&A · 2025-12-31Capital expenditures / depreciation and amortizationCapex$1.05McapitalExpendituresD&A$968.00KdepreciationAndAmortizationResult 1.08x
Above 1.0x means the physical base is being replaced or expanded.
Tangible book / share
$17.40Tangible book / share · 2025-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$3.28BtotalAssetsGoodwill$5.25MgoodWillIntangibles$0.00Not reported, treated as 0Liabilities$2.98BtotalLiabTangible book$299.03MShares17,186,000commonStockSharesOutstandingIntangibles were not reported and are treated as zero.Result $17.40
Assets minus goodwill, intangibles, and liabilities, per share.
Price / tangible book
0.49xPrice / tangible bookPrice / tangible book per sharePrice$8.57Latest quoteTangible book / share$17.402025-12-31Result 0.49x
Price $8.57.
Fixed-charge coverage
-0.20xFixed-charge coverage · 2025-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA-$17.33MebitdaCapex$1.05McapitalExpendituresInterest$79.92MinterestExpenseShort-term debt$11.14MshortTermDebtEBITDA − capex-$18.38MPrincipal due is short-term debt.Result -0.20x
EBITDA minus capex, divided by interest plus short-term debt.
FCF yield
13.3%Free cash flow yield · 2025-12-31Latest free cash flow / current market capFree cash flow$34.87MfreeCashFlowMarket cap$262.31MMarketCapitalizationResult 13.3%
Latest free cash flow divided by current market cap ($262.31M).
ROIC
—ROIC · 2025-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income-$18.30MoperatingIncomeTax expense-$5.77MincomeTaxExpensePretax income-$18.30MincomeBeforeTaxTax rate—Equity$304.28MtotalStockholderEquityDebt$289.35MshortLongTermDebtTotalCash$277.32McashInvested capital$316.32MROIC needs a positive pretax income so an effective tax rate can be calculated.Result —
After-tax operating income over equity plus debt minus cash.
Operating income / net PP&E is -0.81x.
Footprint and return
Turnover and reinvestment
| Year | Physical | FAT | Capex/D&A | TBV/sh | Coverage | FCF | ROIC | EBIT/PP&E |
|---|---|---|---|---|---|---|---|---|
| 2018 | 0.8%Physical asset ratio · 2018-12-31(Net PP&E + inventory) / total assetsNet PP&E$20.29MpropertyPlantEquipmentInventory$1.33MinventoryTotal assets$2.67BtotalAssetsResult 0.8% | 5.57xFixed asset turnover · 2018-12-31Revenue / net PP&ERevenue$113.06MtotalRevenueNet PP&E$20.29MpropertyPlantEquipmentResult 5.57x | 8.95xCapex / D&A · 2018-12-31Capital expenditures / depreciation and amortizationCapex$1.57McapitalExpendituresD&A$175.00KdepreciationAndAmortizationResult 8.95x | $12.43Tangible book / share · 2018-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$2.67BtotalAssetsGoodwill$5.23MgoodWillIntangibles$371.00KintangibleAssetsLiabilities$2.47BtotalLiabTangible book$194.61MShares15,661,000commonStockSharesOutstandingResult $12.43 | 0.29xFixed-charge coverage · 2018-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$24.07MebitdaCapex$1.57McapitalExpendituresInterest$27.42MinterestExpenseShort-term debt$50.00MshortTermDebtEBITDA − capex$22.50MPrincipal due is short-term debt.Result 0.29x | $38.46MFree cash flow · 2018-12-31Reported free cash flowOperating cash flow$40.03MtotalCashFromOperatingActivitiesCapex$1.57McapitalExpendituresFree cash flow$38.46MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $38.46M | —ROIC · 2018-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$24.25MoperatingIncomeTax expense$7.48MincomeTaxExpensePretax income$24.25MincomeBeforeTaxTax rate30.9%Equity$200.22MtotalStockholderEquityDebt$86.58MlongTermDebt + shortLongTermDebtCash$315.33McashAndShortTermInvestmentsInvested capital—Reported total debt was more than 1.5× long-term debt plus the current portion, so invested capital uses those two lines.Result — | 1.19xEBIT / PP&E · 2018-12-31Operating income / net PP&EOperating income$24.25MoperatingIncomeNet PP&E$20.29MpropertyPlantEquipmentResult 1.19x |
| 2019 | -18.2%Physical asset ratio · 2019-12-31(Net PP&E + inventory) / total assetsNet PP&E$33.17MpropertyPlantAndEquipmentNetInventory-$561.03MinventoryTotal assets$2.91BtotalAssetsResult -18.2% | 3.89xFixed asset turnover · 2019-12-31Revenue / net PP&ERevenue$128.95MtotalRevenueNet PP&E$33.17MpropertyPlantAndEquipmentNetResult 3.89x | 16.53xCapex / D&A · 2019-12-31Capital expenditures / depreciation and amortizationCapex$2.51McapitalExpendituresD&A$152.00KdepreciationAndAmortizationResult 16.53x | $14.24Tangible book / share · 2019-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$2.91BtotalAssetsGoodwill$5.25MgoodWillIntangibles$298.00KintangibleAssetsLiabilities$2.67BtotalLiabTangible book$233.92MShares16,423,000commonStockSharesOutstandingResult $14.24 | 0.51xFixed-charge coverage · 2019-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$30.19MebitdaCapex$2.51McapitalExpendituresInterest$40.95MinterestExpenseShort-term debt$13.38MshortTermDebtEBITDA − capex$27.68MPrincipal due is short-term debt.Result 0.51x | $21.75MFree cash flow · 2019-12-31Reported free cash flowOperating cash flow$24.27MtotalCashFromOperatingActivitiesCapex$2.51McapitalExpendituresFree cash flow$21.75MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $21.75M | —ROIC · 2019-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$30.34MoperatingIncomeTax expense$9.31MincomeTaxExpensePretax income$30.34MincomeBeforeTaxTax rate30.7%Equity$239.47MtotalStockholderEquityDebt$86.81MlongTermDebt + shortLongTermDebtCash$642.70McashAndShortTermInvestmentsInvested capital—Reported total debt was more than 1.5× long-term debt plus the current portion, so invested capital uses those two lines.Result — | 0.91xEBIT / PP&E · 2019-12-31Operating income / net PP&EOperating income$30.34MoperatingIncomeNet PP&E$33.17MpropertyPlantAndEquipmentNetResult 0.91x |
| 2020 | -8.7%Physical asset ratio · 2020-12-31(Net PP&E + inventory) / total assetsNet PP&E$30.26MpropertyPlantAndEquipmentNetInventory-$275.30MinventoryTotal assets$2.82BtotalAssetsResult -8.7% | 4.02xFixed asset turnover · 2020-12-31Revenue / net PP&ERevenue$121.54MtotalRevenueNet PP&E$30.26MpropertyPlantAndEquipmentNetResult 4.02x | 3.14xCapex / D&A · 2020-12-31Capital expenditures / depreciation and amortizationCapex$1.39McapitalExpendituresD&A$442.00KdepreciationAndAmortizationResult 3.14x | $14.15Tangible book / share · 2020-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$2.82BtotalAssetsGoodwill$5.25MgoodWillIntangibles$234.00KintangibleAssetsLiabilities$2.57BtotalLiabTangible book$243.72MShares17,226,000commonStockSharesOutstandingResult $14.15 | 0.32xFixed-charge coverage · 2020-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$29.99MebitdaCapex$1.39McapitalExpendituresInterest$33.02MinterestExpenseShort-term debt$55.99MshortTermDebtEBITDA − capex$28.60MPrincipal due is short-term debt.Result 0.32x | $137.96MFree cash flow · 2020-12-31Reported free cash flowOperating cash flow$139.35MtotalCashFromOperatingActivitiesCapex$1.39McapitalExpendituresFree cash flow$137.96MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $137.96M | —ROIC · 2020-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$29.42MoperatingIncomeTax expense$8.57MincomeTaxExpensePretax income$29.42MincomeBeforeTaxTax rate29.1%Equity$249.21MtotalStockholderEquityDebt$37.04MlongTermDebt + shortLongTermDebtCash$361.72McashAndShortTermInvestmentsInvested capital—Reported total debt was more than 1.5× long-term debt plus the current portion, so invested capital uses those two lines.Result — | 0.97xEBIT / PP&E · 2020-12-31Operating income / net PP&EOperating income$29.42MoperatingIncomeNet PP&E$30.26MpropertyPlantAndEquipmentNetResult 0.97x |
| 2021 | -13.4%Physical asset ratio · 2021-12-31(Net PP&E + inventory) / total assetsNet PP&E$24.69MpropertyPlantAndEquipmentNetInventory-$421.62MinventoryTotal assets$2.97BtotalAssetsResult -13.4% | 4.90xFixed asset turnover · 2021-12-31Revenue / net PP&ERevenue$120.90MtotalRevenueNet PP&E$24.69MpropertyPlantAndEquipmentNetResult 4.90x | 0.15xCapex / D&A · 2021-12-31Capital expenditures / depreciation and amortizationCapex$325.00KcapitalExpendituresD&A$2.22MdepreciationAndAmortizationResult 0.15x | $15.58Tangible book / share · 2021-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$2.97BtotalAssetsGoodwill$5.25MgoodWillIntangibles$178.00KintangibleAssetsLiabilities$2.69BtotalLiabTangible book$268.59MShares17,239,000commonStockSharesOutstandingResult $15.58 | 2.71xFixed-charge coverage · 2021-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$50.48MebitdaCapex$325.00KcapitalExpendituresInterest$15.18MinterestExpenseShort-term debt$3.30MshortTermDebtEBITDA − capex$50.16MPrincipal due is short-term debt.Result 2.71x | $45.57MFree cash flow · 2021-12-31Reported free cash flowOperating cash flow$45.89MtotalCashFromOperatingActivitiesCapex$325.00KcapitalExpendituresFree cash flow$45.57MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $45.57M | —ROIC · 2021-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$48.26MoperatingIncomeTax expense$14.02MincomeTaxExpensePretax income$48.26MincomeBeforeTaxTax rate29.0%Equity$274.02MtotalStockholderEquityDebt$37.28MlongTermDebt + shortLongTermDebtCash$497.55McashAndShortTermInvestmentsInvested capital—Reported total debt was more than 1.5× long-term debt plus the current portion, so invested capital uses those two lines.Result — | 1.95xEBIT / PP&E · 2021-12-31Operating income / net PP&EOperating income$48.26MoperatingIncomeNet PP&E$24.69MpropertyPlantAndEquipmentNetResult 1.95x |
| 2022 | -6.2%Physical asset ratio · 2022-12-31(Net PP&E + inventory) / total assetsNet PP&E$24.03MpropertyPlantAndEquipmentNetInventory-$243.62MinventoryTotal assets$3.55BtotalAssetsResult -6.2% | 5.54xFixed asset turnover · 2022-12-31Revenue / net PP&ERevenue$133.04MtotalRevenueNet PP&E$24.03MpropertyPlantAndEquipmentNetResult 5.54x | 0.81xCapex / D&A · 2022-12-31Capital expenditures / depreciation and amortizationCapex$518.00KcapitalExpendituresD&A$639.00KdepreciationAndAmortizationResult 0.81x | $16.48Tangible book / share · 2022-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$3.55BtotalAssetsGoodwill$5.25MgoodWillIntangibles$129.00KintangibleAssetsLiabilities$3.25BtotalLiabTangible book$285.87MShares17,349,000commonStockSharesOutstandingResult $16.48 | 0.19xFixed-charge coverage · 2022-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$63.75MebitdaCapex$518.00KcapitalExpendituresInterest$17.50MinterestExpenseShort-term debt$313.06MshortTermDebtEBITDA − capex$63.23MPrincipal due is short-term debt.Result 0.19x | $40.37MFree cash flow · 2022-12-31Reported free cash flowOperating cash flow$40.89MtotalCashFromOperatingActivitiesCapex$518.00KcapitalExpendituresFree cash flow$40.37MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $40.37M | 11.3%ROIC · 2022-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$63.11MoperatingIncomeTax expense$17.53MincomeTaxExpensePretax income$63.11MincomeBeforeTaxTax rate27.8%Equity$291.25MtotalStockholderEquityDebt$433.63MshortLongTermDebtTotalCash$321.81McashAndShortTermInvestmentsInvested capital$403.07MResult 11.3% | 2.63xEBIT / PP&E · 2022-12-31Operating income / net PP&EOperating income$63.11MoperatingIncomeNet PP&E$24.03MpropertyPlantAndEquipmentNetResult 2.63x |
| 2023 | 0.7%Physical asset ratio · 2023-12-31(Net PP&E + inventory) / total assetsNet PP&E$25.99MpropertyPlantAndEquipmentNetInventory$525.00KinventoryTotal assets$3.83BtotalAssetsResult 0.7% | 7.40xFixed asset turnover · 2023-12-31Revenue / net PP&ERevenue$192.45MtotalRevenueNet PP&E$25.99MpropertyPlantAndEquipmentNetResult 7.40x | 8.16xCapex / D&A · 2023-12-31Capital expenditures / depreciation and amortizationCapex$4.53McapitalExpendituresD&A$555.00KdepreciationAndAmortizationResult 8.16x | $17.93Tangible book / share · 2023-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$3.83BtotalAssetsGoodwill$5.25MgoodWillIntangibles$5.25MintangibleAssetsLiabilities$3.52BtotalLiabTangible book$303.55MShares16,932,000commonStockSharesOutstandingResult $17.93 | 0.36xFixed-charge coverage · 2023-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$40.90MebitdaCapex$4.53McapitalExpendituresInterest$84.30MinterestExpenseShort-term debt$18.00MshortTermDebtEBITDA − capex$36.37MPrincipal due is short-term debt.Result 0.36x | $30.63MFree cash flow · 2023-12-31Reported free cash flowOperating cash flow$35.16MtotalCashFromOperatingActivitiesCapex$4.53McapitalExpendituresFree cash flow$30.63MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $30.63M | 5.3%ROIC · 2023-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$41.46MoperatingIncomeTax expense$11.97MincomeTaxExpensePretax income$41.46MincomeBeforeTaxTax rate28.9%Equity$314.06MtotalStockholderEquityDebt$523.75MshortLongTermDebtTotalCash$279.52McashInvested capital$558.28MResult 5.3% | 1.59xEBIT / PP&E · 2023-12-31Operating income / net PP&EOperating income$41.46MoperatingIncomeNet PP&E$25.99MpropertyPlantAndEquipmentNetResult 1.59x |
| 2024 | 0.7%Physical asset ratio · 2024-12-31(Net PP&E + inventory) / total assetsNet PP&E$25.26MpropertyPlantAndEquipmentNetInventory$0.00Not reported, treated as 0Total assets$3.60BtotalAssetsInventory was not reported and is treated as zero.Result 0.7% | 7.80xFixed asset turnover · 2024-12-31Revenue / net PP&ERevenue$196.95MtotalRevenueNet PP&E$25.26MpropertyPlantAndEquipmentNetResult 7.80x | 4.92xCapex / D&A · 2024-12-31Capital expenditures / depreciation and amortizationCapex$1.23McapitalExpendituresD&A$249.00KdepreciationAndAmortizationResult 4.92x | $18.42Tangible book / share · 2024-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$3.60BtotalAssetsGoodwill$5.25MgoodWillIntangibles$5.25MintangibleAssetsLiabilities$3.28BtotalLiabTangible book$313.42MShares17,018,000commonStockSharesOutstandingResult $18.42 | 0.08xFixed-charge coverage · 2024-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA$26.52MebitdaCapex$1.23McapitalExpendituresInterest$101.99MinterestExpenseShort-term debt$220.36MshortTermDebtEBITDA − capex$25.29MPrincipal due is short-term debt.Result 0.08x | $66.50MFree cash flow · 2024-12-31Reported free cash flowOperating cash flow$67.73MtotalCashFromOperatingActivitiesCapex$1.23McapitalExpendituresFree cash flow$66.50MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $66.50M | 3.6%ROIC · 2024-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income$26.27MoperatingIncomeTax expense$7.65MincomeTaxExpensePretax income$26.27MincomeBeforeTaxTax rate29.1%Equity$323.93MtotalStockholderEquityDebt$511.46MshortLongTermDebtTotalCash$318.02McashInvested capital$517.37MResult 3.6% | 1.04xEBIT / PP&E · 2024-12-31Operating income / net PP&EOperating income$26.27MoperatingIncomeNet PP&E$25.26MpropertyPlantAndEquipmentNetResult 1.04x |
| 2025 | 0.7%Physical asset ratio · 2025-12-31(Net PP&E + inventory) / total assetsNet PP&E$22.72MpropertyPlantAndEquipmentNetInventory$0.00Not reported, treated as 0Total assets$3.28BtotalAssetsInventory was not reported and is treated as zero.Result 0.7% | 7.33xFixed asset turnover · 2025-12-31Revenue / net PP&ERevenue$166.44MtotalRevenueNet PP&E$22.72MpropertyPlantAndEquipmentNetResult 7.33x | 1.08xCapex / D&A · 2025-12-31Capital expenditures / depreciation and amortizationCapex$1.05McapitalExpendituresD&A$968.00KdepreciationAndAmortizationResult 1.08x | $17.40Tangible book / share · 2025-12-31(Total assets − goodwill − intangibles − liabilities) / sharesTotal assets$3.28BtotalAssetsGoodwill$5.25MgoodWillIntangibles$0.00Not reported, treated as 0Liabilities$2.98BtotalLiabTangible book$299.03MShares17,186,000commonStockSharesOutstandingIntangibles were not reported and are treated as zero.Result $17.40 | -0.20xFixed-charge coverage · 2025-12-31(EBITDA − capex) / (interest + short-term debt)EBITDA-$17.33MebitdaCapex$1.05McapitalExpendituresInterest$79.92MinterestExpenseShort-term debt$11.14MshortTermDebtEBITDA − capex-$18.38MPrincipal due is short-term debt.Result -0.20x | $34.87MFree cash flow · 2025-12-31Reported free cash flowOperating cash flow$35.92MtotalCashFromOperatingActivitiesCapex$1.05McapitalExpendituresFree cash flow$34.87MfreeCashFlowFree cash flow is the amount reported on the cash-flow statement.Result $34.87M | —ROIC · 2025-12-31Operating income × (1 − tax rate) / (equity + debt − cash)Operating income-$18.30MoperatingIncomeTax expense-$5.77MincomeTaxExpensePretax income-$18.30MincomeBeforeTaxTax rate—Equity$304.28MtotalStockholderEquityDebt$289.35MshortLongTermDebtTotalCash$277.32McashInvested capital$316.32MROIC needs a positive pretax income so an effective tax rate can be calculated.Result — | -0.81xEBIT / PP&E · 2025-12-31Operating income / net PP&EOperating income-$18.30MoperatingIncomeNet PP&E$22.72MpropertyPlantAndEquipmentNetResult -0.81x |
- Inventory was missing and treated as zero in the physical asset ratio.
- Principal due is short-term debt, the amount reported as due within a year.
Latest year inputs (2025)
Net PP&E: $22.72M
Inventory: $0.00
Total assets: $3.28B
Goodwill: $5.25M
Intangibles: $0.00
Liabilities: $2.98B
Tangible book: $299.03M
Shares: 17,186,000
Revenue: $166.44M
Capex: $1.05M
D&A: $968.00K
EBITDA: -$17.33M
Interest: $79.92M
Short-term debt: $11.14M
Free cash flow: $34.87M
Operating income: -$18.30M
Invested capital: $316.32M
Tax rate: —