Bogota Financial (BSBK)
NASDAQ:BSBK
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Bogota Financial
(NASDAQ:BSBK)
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Rating:50Neutral
Price Target:
$8.50
▲(0.71% Upside)
Action:ReiteratedDate: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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.96M
Dividend YieldN/A
Average Volume (3M)6.26K
Price to Earnings (P/E)51.1
Beta (1Y)0.15
Revenue Growth31.50%
EPS GrowthN/A
CountryUS
Employees62
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.05
Shares Outstanding12,919,366
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 Cap1.60
Enterprise Value/Revenue3.93
Enterprise Value/Gross Profit10.10
Enterprise Value/Ebitda71.56
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. 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...
Bogota Financial Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
60
Neutral
Cash Flow
48
Neutral
| 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
Positive
8.44
Price Trends
8.44
Positive
8.43
Positive
8.58
Negative
Market Momentum
0.05
Positive
53.71
Neutral
61.01
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 8.50, below the 50-day MA of 8.44, and below the 200-day MA of 8.58, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 53.71 is Neutral, neither overbought nor oversold. The STOCH value of 61.01 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 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $136.59M | 14.85 | 6.95% | ― | 4.88% | 53.05% | |
65 Neutral | $136.70M | 7.61 | 11.60% | 2.69% | 12.63% | 50.17% | |
60 Neutral | $115.49M | 9.35 | 15.47% | 6.08% | 11.37% | 29.58% | |
60 Neutral | $106.37M | 17.77 | 6.70% | 1.75% | 0.38% | 50.07% | |
59 Neutral | $140.97M | 35.16 | 2.22% | 0.88% | 15.21% | 2015.08% | |
50 Neutral | $109.96M | 51.05 | 1.50% | ― | 31.50% | ― |
* Financial Sector Average
BSBK
Bogota Financial
8.51
1.50
21.41%
SBFG
SB Financial Group
21.69
2.85
15.13%
UNB
Union Bankshares
25.03
-7.39
-22.81%
AFBI
Affinity Bancshares
22.41
4.04
21.99%
SFBC
Sound Financial Bancorp
41.42
-8.94
-17.75%
SRBK
SR Bancorp, Inc.
18.61
5.61
43.20%
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.