Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $102.25M
• Dividend Yield: N/A
• Average Volume (3M): 2.39K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.13
• Revenue Growth: -9.96%
• EPS Growth: -23.54%
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 13,008,964
• 10 Day Avg. Volume: 2,458
• 30 Day Avg. Volume: 2,387
• PEG Ratio: -1.77
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.70K
• Enterprise Value/Market Cap: 2.22
• Enterprise Value/Revenue: 1.33
• Enterprise Value/Gross Profit: 16.58
• Enterprise Value/Ebitda: -26.03
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 56 Neutral
• Price Target: $8.00 ▲(1.78%Upside)

The overall stock score reflects significant financial challenges, particularly in profitability and cash flow management. While technical indicators show some short-term bullish momentum, the fundamental valuation concerns and lack of earnings stability weigh heavily on the score. The absence of dividend yield and a negative P/E ratio further detract from the stock's appeal.

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 makes money primarily through the interest earned on loans and mortgages, which it provides to individuals and businesses. The company collects interest payments from its borrowers, which is a significant portion of its revenue. Additionally, it generates income from service charges on deposit accounts, such as maintenance fees and overdraft charges. The company also benefits from investment income, which includes earnings from securities and other financial instruments. Bogota Financial's revenue streams are supported by maintaining strong customer relationships and leveraging its local market presence. While its primary focus is on traditional banking services, strategic partnerships and community engagements play a role in enhancing its financial performance.

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
44.55M	43.10M	38.42M	31.47M	27.61M	24.38M
	Gross Profit
13.69M	12.05M	16.24M	23.78M	21.91M	14.50M
	EBIT
-1.11M	-2.54M	480.38K	9.49M	9.40M	2.51M
	EBITDA
-633.25K	-2.05M	938.78K	9.75M	9.05M	2.78M
	Net Income Common Stockholders
-998.49K	-2.17M	642.53K	6.88M	7.52M	2.07M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
120.33M	151.41M	79.41M	101.94M	146.91M	92.26M
	Total Assets
930.19M	971.49M	939.32M	951.10M	837.36M	740.90M
	Total Debt
150.44M	182.95M	167.69M	102.32M	85.05M	104.29M
	Net Debt
124.83M	130.72M	142.76M	85.48M	-20.02M	23.91M
	Total Liabilities
791.94M	834.20M	802.15M	811.44M	689.78M	612.44M
	Stockholders Equity
138.25M	137.29M	137.17M	139.66M	147.58M	128.47M
Cash Flow		Free Cash Flow
-60.08K	-3.15M	1.12M	10.61M	4.50M	4.06M
	Operating Cash Flow
304.79K	-2.56M	1.44M	10.86M	5.96M	5.80M
	Investing Cash Flow
54.64M	10.13M	21.52M	-210.72M	35.15M	-22.25M
	Financing Cash Flow
-44.15M	19.74M	-14.87M	111.64M	-16.43M	-31.03M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7.86
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 7.86 is above the 20-day moving average (MA) of 7.28, above the 50-day MA of 7.10, and above the 200-day MA of 7.69, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 66.94 is Neutral, neither overbought nor oversold. The STOCH value of 93.58 is Negative, 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
PROV	74 Outperform	$102.10M	15.97	5.09%	3.63%	5.62%	-5.99%
MGYR	68 Neutral	$105.48M	11.46	8.11%	1.47%	20.91%	20.30%
Sector *	65 Neutral	kr117.32B	24.42	7.49%	10.19%	13.90%	-82.08%
FGBI	60 Neutral	$120.15M	61.40	1.58%	0.49%	14.47%	-73.50%
BSBK	56 Neutral	$102.25M	―	-0.73%	―	-9.96%	-23.54%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
FNWB	45 Neutral	$71.09M	―	-10.46%	3.72%	10.02%	-1855.34%

Bogota Financial Corporate Events

Bogota Financial Elects Directors at Annual Meeting

On May 20, 2025, Bogota Financial Corp. held its Annual Meeting of Stockholders. During the meeting, William Hanson and John G. Reiner were elected as directors for a three-year term, and the appointment of S.R. Snodgrass, P.C. as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified.