This year has not been a good one for BCB Bancorp (NASDAQ: BCBP ). The company reported a significant loss in the first quarter after it reclassified a $34.2 million loan to non-accrual status andI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come ...