Bogota Financial (BSBK)
NASDAQ:BSBK
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Bogota Financial
(NASDAQ:BSBK)
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Rating:54Neutral
Price Target:
$8.50
▲(0.71% Upside)
Action:Reiterated
Date:06/02/26
The score is driven primarily by a stabilizing but still inconsistent financial profile (recovery to positive TTM earnings/FCF and improved leverage, but low ROE and prior volatility). Technicals are neutral-to-weak with the stock below major moving averages and slightly negative MACD, while valuation is a notable headwind given the high P/E. The positive merger announcement provides an offsetting catalyst, but execution and approval risks remain.
Positive Factors
Business model: net interest + fee income
Bogota Financial runs a traditional community-bank model built on net interest income complemented by fee income. That model generates structurally recurring cash flow from loans and deposits, aligning incentives with core lending and deposit gathering and supporting steady long-term revenue generation vs. non-recurring businesses.
Negative Factors
Low and volatile returns on equity
Persistently low ROE and evidence of a prior loss year indicate weak capital returns and limited internal capital generation. Low ROE constrains the bank’s ability to grow equity organically, increases sensitivity to provisioning or economic stress, and pressures long-term shareholder returns absent structural margin improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model: net interest + fee income
Bogota Financial runs a traditional community-bank model built on net interest income complemented by fee income. That model generates structurally recurring cash flow from loans and deposits, aligning incentives with core lending and deposit gathering and supporting steady long-term revenue generation vs. non-recurring businesses.
Read all positive factors
Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$117.10M
Dividend YieldN/A
Average Volume (3M)6.26K
Price to Earnings (P/E)55.4
Beta (1Y)0.10
Revenue Growth23.30%
EPS GrowthN/A
CountryUS
Employees62
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.17
Shares Outstanding12,854,400
10 Day Avg. Volume8,402
30 Day Avg. Volume6,265
Financial Highlights & Ratios
PEG Ratio-0.26
Price to Book (P/B)0.76
Price to Sales (P/S)2.38
P/FCF Ratio0.03
Enterprise Value/Market Cap1.97
Enterprise Value/Revenue5.26
Enterprise Value/Gross Profit13.12
Enterprise Value/Ebitda82.45
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. functions as the parent holding company for Bogota Savings Bank, offering a full range of banking and financial services across the United States. Its product portfolio for customers includes various deposit accounts, such a...
How the Company Makes Money
Bogota Financial primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating non-interest income. Net interest income is typically the largest revenue driver for a community bank: the bank collects in...
Bogota Financial Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
63
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 43.83M | 44.78M | 43.10M | 38.42M | 31.47M | 27.61M |
| Gross Profit | 17.56M | 17.37M | 12.05M | 16.24M | 23.78M | 21.91M |
| EBITDA | 2.79M | 2.47M | -2.05M | 938.78K | 9.75M | 9.05M |
| Net Income | 2.07M | 2.09M | -2.17M | 642.53K | 6.88M | 7.52M |
Balance Sheet | ||||||
| Total Assets | 877.25M | 904.95M | 971.49M | 939.32M | 951.10M | 837.36M |
| Cash, Cash Equivalents and Short-Term Investments | 13.09M | 137.08M | 151.41M | 79.41M | 101.94M | 146.91M |
| Total Debt | 126.81M | 103.76M | 182.95M | 167.69M | 102.32M | 85.05M |
| Total Liabilities | 735.19M | 764.04M | 834.20M | 802.15M | 811.44M | 689.79M |
| Stockholders Equity | 142.05M | 140.91M | 137.29M | 137.17M | 139.66M | 147.58M |
Cash Flow | ||||||
| Free Cash Flow | 3.86M | 3.20B | -3.15M | 1.12M | 10.61M | 4.50M |
| Operating Cash Flow | 3.92M | 3.20B | -2.56M | 1.44M | 10.86M | 5.96M |
| Investing Cash Flow | 55.09M | 50.11B | 10.13M | 21.52M | -210.72M | 35.15M |
| Financing Cash Flow | -56.69M | -69.94B | 19.74M | -14.87M | 111.64M | -16.43M |
Bogota Financial Technical Analysis
Positive
8.44
Price Trends
8.60
Positive
8.52
Positive
8.61
Positive
Market Momentum
0.16
Negative
65.98
Neutral
54.67
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 8.44 is below the 20-day moving average (MA) of 8.78, below the 50-day MA of 8.60, and below the 200-day MA of 8.61, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 65.98 is Neutral, neither overbought nor oversold. The STOCH value of 54.67 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $140.12M | 8.70 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $137.07M | 15.61 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $106.29M | 14.38 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $139.16M | 30.14 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $108.80M | 9.39 | 14.94% | 6.08% | 11.40% | 29.64% | |
54 Neutral | $117.10M | 55.41 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
BSBK
Bogota Financial
9.08
1.42
18.54%
SBFG
SB Financial Group
22.51
5.64
33.42%
UNB
Union Bankshares
23.60
-1.85
-7.26%
AFBI
Affinity Bancshares
22.50
4.12
22.42%
SFBC
Sound Financial Bancorp
42.48
-4.02
-8.64%
SRBK
SR Bancorp, Inc.
18.88
6.02
46.83%
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...
Executive/Board ChangesShareholder Meetings
Bogota Financial Shareholders Approve Directors and Executive Pay
Neutral
May 15, 2026
At its 2026 Annual Meeting of Stockholders held on May 14, 2026, Bogota Financial Corp. shareholders re-elected Peter T. Donnelly and John Masterson as directors to three-year terms and ratified the appointment of S.R. Snodgrass, P.C. as the indep...
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.