Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $112.26M
• Dividend Yield: N/A
• Average Volume (3M): 6.26K
• Price to Earnings (P/E): 225.9
• Beta (1Y): 0.16
• Revenue Growth: -15.09%
• EPS Growth: N/A
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 13,008,389
• 10 Day Avg. Volume: 8,402
• 30 Day Avg. Volume: 6,265
• PEG Ratio: 0.10
• Price to Book (P/B): 0.70
• Price to Sales (P/S): 2.22
• P/FCF Ratio: -30.35
• Enterprise Value/Market Cap: 2.10
• Enterprise Value/Revenue: 5.28
• Enterprise Value/Gross Profit: 14.73
• Enterprise Value/Ebitda: 171.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: $8.50 ▲(0.95% Upside)

The overall stock score of 48 reflects significant challenges in financial performance and valuation. The high P/E ratio suggests overvaluation, while declining revenue and low profitability weigh heavily on the financial performance score. Technical analysis indicates bearish momentum, further impacting the stock's attractiveness.

Positive Factors

Balance Sheet Health

A low debt-to-equity ratio indicates low leverage, providing financial stability and flexibility to navigate economic fluctuations.

Cash Generation Ability

Strong free cash flow growth suggests robust cash generation, enhancing the company's ability to reinvest in growth and manage obligations.

Cash Flow Management

Efficient cash flow management indicates the company can effectively convert income into cash, supporting long-term operational stability.

Negative Factors

Revenue Growth Challenges

Declining revenue growth can hinder the company's ability to expand its market position and invest in new opportunities, impacting future prospects.

Profitability Challenges

Low profitability limits the company's ability to generate returns for shareholders and reinvest in business development, affecting long-term growth.

Operational Cash Conversion Issues

Inability to convert income into operating cash flow may strain liquidity, affecting the company's capacity to fund operations and growth initiatives.

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 generates revenue through multiple streams, primarily from interest income on loans and credit products, including personal loans, mortgages, and business financing. In addition to interest income, the company earns fees for investment advisory services, asset management, and insurance policy sales. Transaction fees from credit and debit card services also contribute to its revenue. Furthermore, strategic partnerships with other financial institutions and corporations allow Bogota Financial to expand its product offerings and customer base, enhancing its overall earnings potential.

Bogota Financial Financial Statement Overview

Summary

Bogota Financial demonstrates a mixed financial performance. The income statement shows declining revenue and profitability challenges, with a low net profit margin of 1.08%. The balance sheet is strong with low leverage, indicated by a low debt-to-equity ratio. Cash flow is a bright spot with significant free cash flow growth, but operational cash conversion needs improvement.

Income Statement

The income statement shows a declining revenue trend with a negative growth rate of -14.98% in the TTM period. Gross profit margin has decreased from previous years, and net profit margin is low at 1.08%. While EBIT and EBITDA margins have shown slight improvement, they remain modest. Overall, the company faces challenges in revenue growth and profitability.

Balance Sheet

The balance sheet reflects a strong equity position with a low debt-to-equity ratio of 0.0009 in the TTM period, indicating low leverage. However, return on equity is minimal at 0.0014%, suggesting limited profitability from equity. The equity ratio is healthy, showing stability in the company's financial structure.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow growth at 495,303.82% in the TTM period, indicating strong cash generation. The free cash flow to net income ratio is robust at 0.77, suggesting efficient cash flow management. However, the operating cash flow to net income ratio is zero, indicating potential issues in converting income to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.61M	43.10M	38.42M	31.47M	27.61M	24.38M
Gross Profit	15.99M	12.05M	16.24M	23.78M	21.91M	14.50M
EBITDA	1.38M	-2.05M	938.78K	9.75M	9.05M	2.78M
Net Income	479.97K	-2.17M	642.53K	6.88M	7.52M	2.07M
Balance Sheet
Total Assets	925.81M	971.49M	939.32M	951.10M	837.36M	740.90M
Cash, Cash Equivalents and Short-Term Investments	145.24M	151.41M	79.41M	101.94M	146.91M	92.26M
Total Debt	129.90M	182.95M	167.69M	102.32M	85.05M	104.29M
Total Liabilities	785.12M	834.20M	802.15M	811.44M	689.79M	612.44M
Stockholders Equity	140.69M	137.29M	137.17M	139.66M	147.58M	128.47M
Cash Flow
Free Cash Flow	1.05M	-3.15M	1.12M	10.61M	4.50M	4.06M
Operating Cash Flow	1.15M	-2.56M	1.44M	10.86M	5.96M	5.80M
Investing Cash Flow	75.13M	10.13M	21.52M	-210.72M	35.15M	-22.25M
Financing Cash Flow	-66.03M	19.74M	-14.87M	111.64M	-16.43M	-31.03M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.42
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 8.42 is below the 20-day moving average (MA) of 8.47, below the 50-day MA of 8.77, and above the 200-day MA of 8.09, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 42.24 is Neutral, neither overbought nor oversold. The STOCH value of 59.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSBK.

Bogota Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	76 Outperform	$136.74M	10.27	10.12%	2.75%	10.78%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNB	66 Neutral	$103.65M	9.13	15.11%	6.39%	14.52%	27.90%
SFBC	63 Neutral	$113.50M	16.76	6.52%	1.73%	2.85%	73.41%
AFBI	58 Neutral	$120.89M	16.88	5.95%	―	5.18%	36.12%
SRBK	56 Neutral	$117.69M	39.72	1.57%	0.99%	9.43%	166.36%
BSBK	48 Neutral	$112.26M	225.92	0.35%	―	-15.09%	―