Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $110.33M
• Dividend Yield: N/A
• Average Volume (3M): 6.26K
• Price to Earnings (P/E): 51.1
• Beta (1Y): 0.17
• Revenue Growth: -15.09%
• EPS Growth: N/A
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.05
• Shares Outstanding: 12,919,366
• 10 Day Avg. Volume: 8,402
• 30 Day Avg. Volume: 6,265
• PEG Ratio: -0.26
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 2.38
• P/FCF Ratio: 0.03
• Enterprise Value/Market Cap: 1.62
• Enterprise Value/Revenue: 4.00
• Enterprise Value/Gross Profit: 10.28
• Enterprise Value/Ebitda: 72.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 50 Neutral
• Price Target: $8.50 ▲(0.71% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

The score is driven primarily by improving 2025 financial performance (revenue and earnings rebound with better leverage), but is held back by volatile cash flow and still-low profitability. Technicals are weak with the stock trading below major moving averages and negative MACD. Valuation is also a headwind due to a high P/E and no dividend yield data to offset it.

Positive Factors

Revenue growth and return to profitability

A 37% revenue increase and a full-year return to net income provide durable support for reinvestment, loan growth, and reserve coverage. Sustained top-line momentum improves the bank’s ability to execute multi-quarter plans and rebuild core earnings capacity beyond transient cycles.

Negative Factors

Very volatile cash flows

Large year-to-year swings in operating and free cash flow undermine predictability for dividends, buybacks, and loan funding. Persistent cash volatility raises the chance of abrupt capital adjustments, complicates provisioning and planning, and reduces confidence in sustainable internal funding sources.

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, a...

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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, a...

How the Company Makes Money

Bogota Financial primarily makes money through traditional community-banking activities conducted by Bogota Savings Bank. The core earnings driver is net interest income: the bank originates and holds loans (such as residential mortgages, commerci...

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Bogota Financial primarily makes money through traditional community-banking activities conducted by Bogota Savings Bank. The core earnings driver is net interest income: the bank originates and holds loans (such as residential mortgages, commerci...

Bogota Financial Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	44.78M	43.10M	38.42M	31.47M	27.61M
Gross Profit	17.37M	12.05M	16.24M	23.78M	21.91M
EBITDA	2.07M	-2.05M	938.78K	9.75M	9.05M
Net Income	2.09M	-2.17M	642.53K	6.88M	7.52M
Balance Sheet
Total Assets	904.95M	971.49M	939.32M	951.10M	837.36M
Cash, Cash Equivalents and Short-Term Investments	137.08M	151.41M	79.41M	101.94M	146.91M
Total Debt	103.76M	182.95M	167.69M	102.32M	85.05M
Total Liabilities	764.04M	834.20M	802.15M	811.44M	689.79M
Stockholders Equity	140.91M	137.29M	137.17M	139.66M	147.58M
Cash Flow
Free Cash Flow	3.20B	-3.15M	1.12M	10.61M	4.50M
Operating Cash Flow	3.20B	-2.56M	1.44M	10.86M	5.96M
Investing Cash Flow	50.11B	10.13M	21.52M	-210.72M	35.15M
Financing Cash Flow	-69.94B	19.74M	-14.87M	111.64M	-16.43M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.44
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 8.44 is above the 20-day moving average (MA) of 8.41, below the 50-day MA of 8.44, and below the 200-day MA of 8.55, indicating a neutral trend. The MACD of 0.07 indicates Negative momentum. The RSI at 53.65 is Neutral, neither overbought nor oversold. The STOCH value of 73.69 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	66 Neutral	$135.98M	14.73	6.68%	―	5.18%	36.12%
SBFG	66 Neutral	$140.04M	10.15	10.29%	2.69%	10.78%	21.72%
SFBC	65 Neutral	$116.22M	15.59	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$135.21M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.54M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$110.33M	51.05	1.50%	―	-15.09%	―