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Bogota Financial
(NASDAQ:BSBK)
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Rating:58Neutral
Price Target:
$9.50
▲(5.09% Upside)
Action:Reiterated
Date:08/17/26
BSBK scores moderately overall, driven primarily by improved profitability versus 2024 and very strong recent cash flow, supported by mildly constructive technicals. These positives are tempered by a high P/E valuation without dividend support and balance-sheet/earnings-quality concerns (rising leverage, low ROE, and multi-year volatility), with the pending merger providing an additional but execution-dependent upside factor.
Positive Factors
Profitability Recovery
The return to profitability improves the bank's capacity to build capital internally and support operations. Although earnings remain modest, recovery from the 2024 loss provides a stronger foundation for the next several quarters.
Negative Factors
Weak Revenue Momentum
Declining revenue and a modest net margin limit the bank's ability to grow capital and absorb higher operating or credit costs. Without renewed loan, deposit or fee growth, the recent profit recovery may remain relatively small.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Recovery
The return to profitability improves the bank's capacity to build capital internally and support operations. Although earnings remain modest, recovery from the 2024 loss provides a stronger foundation for the next several quarters.
Read all positive factors
Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$117.66M
Dividend YieldN/A
Average Volume (3M)6.26K
Price to Earnings (P/E)43.9
Beta (1Y)0.08
Revenue Growth21.45%
EPS GrowthN/A
CountryUS
Employees56
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.21
Shares Outstanding12,761,313
10 Day Avg. Volume8,402
30 Day Avg. Volume6,265
Financial Highlights & Ratios
PEG Ratio-0.25
Price to Book (P/B)0.76
Price to Sales (P/S)2.38
P/FCF Ratio0.03
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bogota Financial Business Overview & Revenue Model
Company Description
Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, a...
How the Company Makes Money
Bogota Financial primarily makes money through traditional banking income streams generated by its subsidiary bank. Key revenue sources include: (1) Net interest income: the spread between interest earned on loans and other interest-earning assets...
Bogota Financial Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 43.25M | 44.78M | 43.10M | 38.42M | 31.47M | 27.61M |
| Gross Profit | 18.04M | 17.37M | 12.05M | 16.24M | 23.78M | 21.91M |
| EBITDA | 3.31M | 2.47M | -2.05M | 938.78K | 9.75M | 9.05M |
| Net Income | 2.59M | 2.09M | -2.17M | 642.53K | 6.88M | 7.52M |
Balance Sheet | ||||||
| Total Assets | 874.99M | 904.95M | 971.49M | 939.32M | 951.10M | 837.36M |
| Cash, Cash Equivalents and Short-Term Investments | 147.91B | 137.08M | 151.41M | 79.41M | 101.94M | 146.91M |
| Total Debt | 151.80M | 103.76M | 182.95M | 167.69M | 102.32M | 85.05M |
| Total Liabilities | 733.02M | 764.04M | 834.20M | 802.15M | 811.44M | 689.79M |
| Stockholders Equity | 141.97M | 140.91M | 137.29M | 137.17M | 139.66M | 147.58M |
Cash Flow | ||||||
| Free Cash Flow | 3.06B | 3.20B | -3.15M | 1.12M | 10.61M | 4.50M |
| Operating Cash Flow | 4.36M | 3.20B | -2.56M | 1.44M | 10.86M | 5.96M |
| Investing Cash Flow | 57.40M | 50.11B | 10.13M | 21.52M | -210.72M | 35.15M |
| Financing Cash Flow | -52.20M | -69.94B | 19.74M | -14.87M | 111.64M | -16.43M |
Bogota Financial Technical Analysis
Positive
9.04
Price Trends
9.06
Positive
8.81
Positive
8.61
Positive
Market Momentum
0.07
Negative
56.22
Neutral
68.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSBK, the sentiment is Positive. The current price of 9.04 is below the 20-day moving average (MA) of 9.08, below the 50-day MA of 9.06, and above the 200-day MA of 8.61, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 56.22 is Neutral, neither overbought nor oversold. The STOCH value of 68.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BSBK.
Bogota Financial Risk Analysis
Bogota Financial disclosed 38 risk factors in its most recent earnings report. Bogota Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bogota Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $174.21M | 10.40 | 11.79% | 2.42% | 9.50% | 46.27% | |
72 Outperform | $121.40M | 15.06 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $144.08M | 43.79 | 1.80% | 1.10% | 6.46% | 1.90% | |
60 Neutral | $117.27M | 9.08 | 14.72% | 5.81% | 10.15% | 28.62% | |
58 Neutral | $117.66M | 43.90 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
BSBK
Bogota Financial
9.31
-0.04
-0.43%
SBFG
SB Financial Group
27.06
6.73
33.14%
UNB
Union Bankshares
23.76
-1.75
-6.86%
SFBC
Sound Financial Bancorp
47.11
-0.12
-0.25%
SRBK
SR Bancorp, Inc.
19.64
4.83
32.64%
Bogota Financial Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Bogota Financial Announces GSL Savings Bank Merger Agreement
Positive
Jun 1, 2026
On May 31, 2026, Bogota Financial Corp., its mutual holding company parent and Bogota Savings Bank signed a merger agreement under which GSL Savings Bank will be merged into Bogota Savings Bank, with GSL depositors assuming identical rights within...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.