Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $114.60M
• Dividend Yield: N/A
• Average Volume (3M): 6.11K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.19
• Revenue Growth: -12.23%
• EPS Growth: 83.58%
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.02
• Shares Outstanding: 13,008,389
• 10 Day Avg. Volume: 7,249
• 30 Day Avg. Volume: 6,105
• 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: 2.06
• Enterprise Value/Revenue: 5.28
• Enterprise Value/Gross Profit: 16.01
• Enterprise Value/Ebitda: 910.93
• 1Y Price Target: $8.50
• Price Target Upside: -3.52% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• 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 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 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	44.61M	43.10M	38.42M	31.47M	27.61M	24.38M
Gross Profit	14.71M	12.05M	16.24M	23.78M	21.91M	14.50M
EBITDA	258.56K	-2.05M	938.78K	9.75M	9.05M	2.78M
Net Income	-341.62K	-2.17M	642.53K	6.88M	7.52M	2.07M
Balance Sheet
Total Assets	921.84M	971.49M	939.32M	951.10M	837.36M	740.90M
Cash, Cash Equivalents and Short-Term Investments	20.68M	151.41M	79.41M	101.94M	146.91M	92.26M
Total Debt	146.52M	182.95M	167.69M	102.32M	85.05M	104.29M
Total Liabilities	783.39M	834.20M	802.15M	811.44M	689.78M	612.44M
Stockholders Equity	138.44M	137.29M	137.17M	139.66M	147.58M	128.47M
Cash Flow
Free Cash Flow	443.17K	-3.15M	1.12M	10.61M	4.50M	4.06M
Operating Cash Flow	574.19K	-2.56M	1.44M	10.86M	5.96M	5.80M
Investing Cash Flow	67.65M	10.13M	21.52M	-210.72M	35.15M	-22.25M
Financing Cash Flow	-65.49M	19.74M	-14.87M	111.64M	-16.43M	-31.03M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.81
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 8.81 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	73 Outperform	$125.10M	10.82	9.23%	3.20%	9.87%	2.62%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	67 Neutral	$117.48M	17.32	5.67%	―	6.51%	28.94%
SFBC	63 Neutral	$114.47M	18.36	6.07%	1.70%	7.86%	59.25%
UNB	56 Neutral	$111.92M	11.76	13.63%	5.86%	14.58%	7.73%
SRBK	56 Neutral	$115.38M	23.87	1.91%	1.02%	26.46%	―
BSBK	41 Neutral	$114.60M	―	-0.25%	―	-12.23%	83.58%

Bogota Financial Corporate Events

Bogota Financial Gains Approval for Stock Repurchase

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.