Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $104.85M
• Dividend Yield: N/A
• Average Volume (3M): 3.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.13
• Revenue Growth: -9.96%
• EPS Growth: -23.54%
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 13,008,964
• 10 Day Avg. Volume: 6,038
• 30 Day Avg. Volume: 3,843
• PEG Ratio: -1.77
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.70K
• Enterprise Value/Market Cap: 2.17
• Enterprise Value/Revenue: 1.33
• Enterprise Value/Gross Profit: 16.58
• Enterprise Value/Ebitda: -26.03
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 56 Neutral
• Price Target: $8.00 ▲(2.70%Upside)

The overall stock score reflects significant financial challenges, particularly in profitability and cash flow management. While technical indicators show some short-term bullish momentum, the fundamental valuation concerns and lack of earnings stability weigh heavily on the score. The absence of dividend yield and a negative P/E ratio further detract from the stock's appeal.

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, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans, as well as consumer loans, such as home equity loans and lines of credit, commercial and industrial loans, and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.

How the Company Makes Money

Bogota Financial makes money primarily through the interest rate spread between the interest it earns on loans and the interest it pays on customer deposits. Key revenue streams include interest income from various types of loans, including personal loans, home mortgages, and commercial loans. The company also generates revenue through fees associated with banking services such as account maintenance fees, transaction fees, and overdraft fees. Additionally, Bogota Financial may engage in investment activities, earning income from securities and other financial instruments. Partnerships with other financial entities or service providers can contribute to revenue through collaborative financial products or services, although specific partnerships are not detailed.

Bogota Financial Financial Statement Overview

Summary

Bogota Financial faces significant challenges in profitability and cash flow management despite a strong cash position and moderate capital structure. Continued operational losses and negative free cash flow are areas of concern, requiring strategic adjustments to improve margins and cash generation.

Income Statement

The income statement shows deteriorating margins and a negative net profit. The company experienced a modest revenue growth of 3.37% TTM, but the net profit margin is negative at -2.24%, indicating operational challenges. Additionally, the gross profit margin has decreased, and both EBIT and EBITDA margins are negative, highlighting inefficiencies in cost management.

Balance Sheet

The balance sheet reflects a stable equity position but increasing leverage. The debt-to-equity ratio is 1.09, indicating moderate leverage, while the equity ratio is 14.87%, suggesting a strong reliance on liabilities. The return on equity is negative, reflecting recent losses, but the company maintains substantial cash reserves.

Cash Flow

Cash flow analysis reveals a volatile cash situation with negative free cash flow growth. The operating cash flow to net income ratio is positive, but free cash flow remains negative, suggesting cash management issues. The company needs to improve cash generation from core operations to stabilize its financials.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.55M	43.10M	38.42M	31.47M	27.61M	24.38M
Gross Profit	13.69M	12.05M	16.24M	23.78M	21.91M	14.50M
EBITDA	-633.25K	-2.05M	938.78K	9.75M	9.05M	2.78M
Net Income	-998.49K	-2.17M	642.53K	6.88M	7.52M	2.07M
Balance Sheet
Total Assets	930.19M	971.49M	939.32M	951.10M	837.36M	740.90M
Cash, Cash Equivalents and Short-Term Investments	120.33M	151.41M	79.41M	101.94M	146.91M	92.26M
Total Debt	150.44M	182.95M	167.69M	102.32M	85.05M	104.29M
Total Liabilities	791.94M	834.20M	802.15M	811.44M	689.78M	612.44M
Stockholders Equity	138.25M	137.29M	137.17M	139.66M	147.58M	128.47M
Cash Flow
Free Cash Flow	-60.08K	-3.15M	1.12M	10.61M	4.50M	4.06M
Operating Cash Flow	304.79K	-2.56M	1.44M	10.86M	5.96M	5.80M
Investing Cash Flow	54.64M	10.13M	21.52M	-210.72M	35.15M	-22.25M
Financing Cash Flow	-44.15M	19.74M	-14.87M	111.64M	-16.43M	-31.03M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7.79
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 7.79 is above the 20-day moving average (MA) of 7.47, above the 50-day MA of 7.19, and above the 200-day MA of 7.70, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 65.42 is Neutral, neither overbought nor oversold. The STOCH value of 78.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BSBK.

Bogota Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	74 Outperform	$104.08M	16.28	5.09%	3.56%	5.62%	-5.99%
MGYR	68 Neutral	$108.32M	11.77	8.11%	1.43%	20.91%	20.30%
Sector *	67 Neutral	$16.67B	11.46	9.71%	3.91%	11.61%	-9.60%
FGBI	60 Neutral	$120.07M	61.36	1.58%	0.49%	14.47%	-73.50%
BSBK	56 Neutral	$104.85M	―	-0.73%	―	-9.96%	-23.54%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
FNWB	43 Neutral	$71.47M	―	-10.46%	3.70%	10.02%	-1855.34%

Bogota Financial Corporate Events

Bogota Financial Elects Directors at Annual Meeting

On May 20, 2025, Bogota Financial Corp. held its Annual Meeting of Stockholders. During the meeting, William Hanson and John G. Reiner were elected as directors for a three-year term, and the appointment of S.R. Snodgrass, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified.