Bogota Financial AI Stock Analysis
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Bogota Financial (BSBK) AI Stock Analysis
Bogota Financial
(NASDAQ:BSBK)
The stock scores moderately at 60.9, reflecting a mix of strengths and weaknesses. Financial performance is mixed with strong cash flow but modest profitability and balance sheet metrics. Technical indicators are positive, with the price above all key moving averages and bullish momentum. However, valuation is a concern, with a high P/E ratio of 43.2 and no dividend yield. The pending merger with GSL Savings Bank is a positive corporate event expected to be accretive and enhance scale.
Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $119.75M
- Dividend Yield
- ―
- Average Volume (3M)
- 5,006
- Price to Earnings (P/E)
- 43.9
- Beta (1Y)
- 0.08
- Revenue Growth
- 20.94%
- EPS Growth
- 444.24%
- Country
- US
- Employees
- 56
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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...
How the Company Makes Money
Bogota Financial primarily makes money through traditional banking income streams generated by its subsidiary bank. Key revenue sources include: (1) Net interest income: the spread between interest earned on loans and other interest-earning assets (s...
Bogota Financial Financial Statement Overview
Summary
Mixed financial performance: income statement and balance sheet show modest profitability and capitalization (scores 45), but cash flow is exceptionally strong (score 90), providing high liquidity and flexibility.
Income Statement
45NeutralBalance Sheet
45NeutralCash Flow
90Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 43.07M | 44.78M | 43.10M | 38.42M | 31.47M | 27.61M |
| Gross Profit | 18.58M | 17.37M | 12.05M | 16.24M | 23.78M | 21.91M |
| EBITDA | 9.20M | 2.57M | -2.05M | 938.78K | 9.75M | 9.05M |
| Net Income | 2.61M | 2.09M | -2.17M | 642.53K | 6.88M | 7.52M |
Balance Sheet | ||||||
| Total Assets | 881.85M | 904.95M | 971.49M | 939.32M | 951.10M | 837.36M |
| Cash, Cash Equivalents and Short-Term Investments | 154.34B | 137.08M | 151.41M | 79.41M | 101.94M | 146.91M |
| Total Debt | 151.37M | 103.76M | 182.95M | 167.69M | 102.32M | 85.05M |
| Total Liabilities | 740.71M | 764.04M | 834.20M | 802.15M | 811.44M | 689.79M |
| Stockholders Equity | 141.14M | 140.91M | 137.29M | 137.17M | 139.66M | 147.58M |
Cash Flow | ||||||
| Free Cash Flow | 3.81M | 3.13M | -3.15M | 1.12M | 10.61M | 4.50M |
| Operating Cash Flow | 4.07M | 3.20M | -2.56M | 1.44M | 10.86M | 5.96M |
| Investing Cash Flow | 49.07M | 50.11M | 10.13M | 21.52M | -210.72M | 35.15M |
| Financing Cash Flow | -54.49M | -69.94M | 19.74M | -14.87M | 111.64M | -16.43M |
Bogota Financial Technical Analysis
Price Trends
Market Momentum
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 9.39 is above the 20-day moving average (MA) of 9.23, above the 50-day MA of 9.16, and above the 200-day MA of 8.83, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 61.14 is Neutral, neither overbought nor oversold. The STOCH value of 73.62 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.
Latest Risks Added
3 New RisksBogota Financial Peers Comparison
Overall Rating
SBFG72Outperform
SFBC70Outperform
SRBK63Neutral
UNB63Neutral- BSBK60.9Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 72Outperform | $182.45M | 11.10 | 11.57% | 2.15% | 8.90% | 26.03% |
| SFBC | 70Outperform | $116.92M | 13.55 | 7.76% | 1.83% | 0.49% | 26.58% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SRBK | 63Neutral | $134.76M | 37.23 | 2.02% | 1.16% | 9.63% | 37.01% |
| UNB | 63Neutral | $112.96M | 8.67 | 15.07% | 6.32% | 6.11% | 5.22% |
| BSBK | 61Neutral | $119.16M | 43.86 | 1.84% | ― | 20.94% | 444.24% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BSBK | Bogota Financial Corp. | 9.39 | 0.99 | 11.74% | |
| SBFG | SB Financial Group Inc | 29.76 | 10.65 | 55.72% | |
| UNB | Union Bankshares, Inc. | 22.80 | 2.21 | 10.73% | |
| SFBC | Sound Financial Bancorp, Inc. | 45.95 | 2.01 | 4.57% | |
| SRBK | SR Bancorp, Inc. | 18.99 | 4.21 | 28.52% |
Bogota Financial Corporate Events
Bogota Financial Announces GSL Savings Bank Merger Agreement
PositiveOn 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 th...
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.
Date of analysis: Aug 17, 2026