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Side-by-side financial comparison of BCB BANCORP INC (BCBP) and STEM, INC. (STEM). Click either name above to swap in a different company.

STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $26.2M, roughly 1.8× BCB BANCORP INC). STEM, INC. runs the higher net margin — -33.9% vs -49.7%, a 15.8% gap on every dollar of revenue. On growth, BCB BANCORP INC posted the faster year-over-year revenue change (13.1% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 1.8%).

StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.

BCBP vs STEM — Head-to-Head

Bigger by revenue
STEM
STEM
1.8× larger
STEM
$47.1M
$26.2M
BCBP
Growing faster (revenue YoY)
BCBP
BCBP
+28.7% gap
BCBP
13.1%
-15.6%
STEM
Higher net margin
STEM
STEM
15.8% more per $
STEM
-33.9%
-49.7%
BCBP
Faster 2-yr revenue CAGR
STEM
STEM
Annualised
STEM
36.1%
1.8%
BCBP

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
BCBP
BCBP
STEM
STEM
Revenue
$26.2M
$47.1M
Net Profit
$-12.0M
$-16.0M
Gross Margin
48.9%
Operating Margin
-71.9%
-17.7%
Net Margin
-49.7%
-33.9%
Revenue YoY
13.1%
-15.6%
Net Profit YoY
-467.6%
68.8%
EPS (diluted)
$-0.73
$-4.40

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
BCBP
BCBP
STEM
STEM
Q4 25
$26.2M
$47.1M
Q3 25
$26.5M
$38.2M
Q2 25
$25.2M
$38.4M
Q1 25
$23.8M
$32.5M
Q4 24
$23.1M
$55.8M
Q3 24
$26.2M
$29.3M
Q2 24
$20.4M
$34.0M
Q1 24
$25.3M
$25.5M
Net Profit
BCBP
BCBP
STEM
STEM
Q4 25
$-12.0M
$-16.0M
Q3 25
$4.3M
$-23.8M
Q2 25
$3.6M
$202.5M
Q1 25
$-8.3M
$-25.0M
Q4 24
$3.3M
$-51.1M
Q3 24
$6.7M
$-148.3M
Q2 24
$2.8M
$-582.3M
Q1 24
$5.9M
$-72.3M
Gross Margin
BCBP
BCBP
STEM
STEM
Q4 25
48.9%
Q3 25
35.5%
Q2 25
33.4%
Q1 25
32.4%
Q4 24
-4.4%
Q3 24
21.2%
Q2 24
27.6%
Q1 24
-95.0%
Operating Margin
BCBP
BCBP
STEM
STEM
Q4 25
-71.9%
-17.7%
Q3 25
21.9%
-33.6%
Q2 25
19.9%
-34.8%
Q1 25
-49.2%
-65.0%
Q4 24
19.9%
-84.4%
Q3 24
35.7%
-493.2%
Q2 24
19.5%
-1705.5%
Q1 24
33.0%
-267.0%
Net Margin
BCBP
BCBP
STEM
STEM
Q4 25
-49.7%
-33.9%
Q3 25
16.1%
-62.2%
Q2 25
14.2%
527.8%
Q1 25
-35.0%
-76.9%
Q4 24
14.1%
-91.6%
Q3 24
25.5%
-506.3%
Q2 24
13.8%
-1712.6%
Q1 24
23.2%
-283.9%
EPS (diluted)
BCBP
BCBP
STEM
STEM
Q4 25
$-0.73
$-4.40
Q3 25
$0.22
$-2.84
Q2 25
$0.18
$-1.79
Q1 25
$-0.51
$-0.15
Q4 24
$0.17
$-15.29
Q3 24
$0.36
$-18.24
Q2 24
$0.14
$-71.81
Q1 24
$0.32
$-0.46

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
BCBP
BCBP
STEM
STEM
Cash + ST InvestmentsLiquidity on hand
$48.9M
Total DebtLower is stronger
Stockholders' EquityBook value
$304.3M
$-249.4M
Total Assets
$3.3B
$308.9M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
BCBP
BCBP
STEM
STEM
Q4 25
$48.9M
Q3 25
$43.1M
Q2 25
$40.8M
Q1 25
$58.6M
Q4 24
$56.3M
Q3 24
$75.4M
Q2 24
$89.6M
Q1 24
$112.8M
Stockholders' Equity
BCBP
BCBP
STEM
STEM
Q4 25
$304.3M
$-249.4M
Q3 25
$318.5M
$-235.7M
Q2 25
$315.7M
$-214.1M
Q1 25
$314.7M
$-417.5M
Q4 24
$323.9M
$-398.4M
Q3 24
$328.1M
$-344.1M
Q2 24
$320.7M
$-203.2M
Q1 24
$320.1M
$371.6M
Total Assets
BCBP
BCBP
STEM
STEM
Q4 25
$3.3B
$308.9M
Q3 25
$3.4B
$362.6M
Q2 25
$3.4B
$379.2M
Q1 25
$3.5B
$405.1M
Q4 24
$3.6B
$437.4M
Q3 24
$3.6B
$537.8M
Q2 24
$3.8B
$691.5M
Q1 24
$3.8B
$1.3B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
BCBP
BCBP
STEM
STEM
Operating Cash FlowLast quarter
$35.9M
$8.2M
Free Cash FlowOCF − Capex
$34.9M
FCF MarginFCF / Revenue
133.3%
Capex IntensityCapex / Revenue
4.0%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$58.2M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
BCBP
BCBP
STEM
STEM
Q4 25
$35.9M
$8.2M
Q3 25
$8.7M
$11.4M
Q2 25
$10.3M
$-21.3M
Q1 25
$5.0M
$8.5M
Q4 24
$67.7M
$-14.7M
Q3 24
$43.5M
$-9.4M
Q2 24
$8.1M
$-11.9M
Q1 24
$8.3M
$-621.0K
Free Cash Flow
BCBP
BCBP
STEM
STEM
Q4 25
$34.9M
Q3 25
$8.5M
Q2 25
$10.2M
Q1 25
$4.7M
Q4 24
$66.5M
Q3 24
$43.4M
Q2 24
$8.1M
Q1 24
$8.1M
FCF Margin
BCBP
BCBP
STEM
STEM
Q4 25
133.3%
Q3 25
32.0%
Q2 25
40.4%
Q1 25
19.8%
Q4 24
287.5%
Q3 24
166.0%
Q2 24
39.6%
Q1 24
32.3%
Capex Intensity
BCBP
BCBP
STEM
STEM
Q4 25
4.0%
Q3 25
1.1%
Q2 25
0.6%
Q1 25
1.2%
Q4 24
5.3%
Q3 24
0.3%
Q2 24
0.2%
Q1 24
0.6%
Cash Conversion
BCBP
BCBP
STEM
STEM
Q4 25
Q3 25
2.05×
Q2 25
2.90×
-0.11×
Q1 25
Q4 24
20.70×
Q3 24
6.53×
Q2 24
2.88×
Q1 24
1.41×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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