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Bogota Financial Corp. (BSBK)
:BSBK
US Market
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Bogota Financial (BSBK) AI Stock Analysis

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BSBK

Bogota Financial

(NASDAQ:BSBK)

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Neutral 41 (OpenAI - 4o)
Rating:41Neutral
Price Target:
$8.50
▼(-3.52% Downside)
Bogota Financial's overall stock score is primarily impacted by its weak financial performance and valuation metrics. The company's high leverage, negative profitability, and poor cash flow generation are significant concerns. Technical analysis also indicates bearish momentum, further weighing down the score.

Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)

Bogota Financial Business Overview & Revenue Model

Company DescriptionBogota 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 MoneyBogota 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 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
45
Neutral
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
50
Neutral
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
40
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue44.61M43.10M38.42M31.47M27.61M24.38M
Gross Profit14.71M12.05M16.24M23.78M21.91M14.50M
EBITDA258.56K-2.05M938.78K9.75M9.05M2.78M
Net Income-341.62K-2.17M642.53K6.88M7.52M2.07M
Balance Sheet
Total Assets921.84M971.49M939.32M951.10M837.36M740.90M
Cash, Cash Equivalents and Short-Term Investments20.68M151.41M79.41M101.94M146.91M92.26M
Total Debt146.52M182.95M167.69M102.32M85.05M104.29M
Total Liabilities783.39M834.20M802.15M811.44M689.78M612.44M
Stockholders Equity138.44M137.29M137.17M139.66M147.58M128.47M
Cash Flow
Free Cash Flow443.17K-3.15M1.12M10.61M4.50M4.06M
Operating Cash Flow574.19K-2.56M1.44M10.86M5.96M5.80M
Investing Cash Flow67.65M10.13M21.52M-210.72M35.15M-22.25M
Financing Cash Flow-65.49M19.74M-14.87M111.64M-16.43M-31.03M

Bogota Financial Technical Analysis

Technical Analysis Sentiment
Negative
Last Price8.81
Price Trends
50DMA
9.11
Negative
100DMA
8.45
Positive
200DMA
7.98
Positive
Market Momentum
MACD
-0.05
Positive
RSI
36.48
Neutral
STOCH
34.03
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 8.81 is below the 20-day moving average (MA) of 9.11, below the 50-day MA of 9.11, and above the 200-day MA of 7.98, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 36.48 is Neutral, neither overbought nor oversold. The STOCH value of 34.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSBK.

Bogota Financial Risk Analysis

Bogota Financial disclosed 36 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$125.10M10.829.23%3.20%9.87%2.62%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
$117.48M17.325.67%6.51%28.94%
63
Neutral
$114.47M18.366.07%1.70%7.86%59.25%
56
Neutral
$111.92M11.7613.63%5.86%14.58%7.73%
56
Neutral
$115.38M23.871.91%1.02%26.46%
41
Neutral
$114.60M-0.25%-12.23%83.58%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BSBK
Bogota Financial
8.81
0.53
6.40%
SBFG
SB Financial Group
18.71
-0.40
-2.09%
UNB
Union Bankshares
24.59
-1.66
-6.32%
AFBI
Affinity Bancshares
18.67
-0.98
-4.99%
SFBC
Sound Financial Bancorp
44.61
-8.69
-16.30%
SRBK
SR Bancorp, Inc.
14.52
3.54
32.24%

Bogota Financial Corporate Events

Stock BuybackRegulatory Filings and Compliance
Bogota Financial Gains Approval for Stock Repurchase
Positive
Aug 12, 2025

On August 12, 2025, Bogota Financial Corp. announced it received regulatory approval for its sixth stock repurchase program, allowing the repurchase of up to 237,590 shares, approximately 5% of its outstanding common stock. The program, which has no expiration date, allows flexibility in repurchase timing and amount, depending on market conditions and the company’s financial performance, potentially impacting shareholder value and market perception.

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.Date of analysis: Oct 17, 2025