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Bogota Financial (BSBK) AI Stock Analysis
Bogota Financial
(NASDAQ:BSBK)
BSBK scores moderately overall, driven primarily by improved profitability versus 2024 and very strong recent cash flow, supported by mildly constructive technicals. These positives are tempered by a high P/E valuation without dividend support and balance-sheet/earnings-quality concerns (rising leverage, low ROE, and multi-year volatility), with the pending merger providing an additional but execution-dependent upside factor.
Bogota Financial (BSBK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $119.00M
- Dividend Yield
- ―
- Average Volume (3M)
- 6,150
- Price to Earnings (P/E)
- 43.6
- Beta (1Y)
- 0.06
- 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
Financials show a clear recovery from the 2024 downturn (TTM net income about $2.6M) and very strong recent operating/free cash flow. Offsetting this, revenue is declining in the latest TTM period, profitability remains modest (TTM net margin ~6%), returns on equity are low (~1.8%), leverage has increased (debt-to-equity ~1.07), and results have been volatile across years.
Income Statement
58NeutralBalance Sheet
54NeutralCash Flow
66Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 43.25M | 44.78M | 43.10M | 38.42M | 31.47M | 27.61M |
| Gross Profit | 18.04M | 17.37M | 12.05M | 16.24M | 23.78M | 21.91M |
| EBITDA | 3.31M | 2.57M | -2.05M | 938.78K | 9.75M | 9.05M |
| Net Income | 2.59M | 2.09M | -2.17M | 642.53K | 6.88M | 7.52M |
Balance Sheet | ||||||
| Total Assets | 874.99M | 904.95M | 971.49M | 939.32M | 951.10M | 837.36M |
| Cash, Cash Equivalents and Short-Term Investments | 147.91B | 137.08M | 151.41M | 79.41M | 101.94M | 146.91M |
| Total Debt | 151.80M | 103.76M | 182.95M | 167.69M | 102.32M | 85.05M |
| Total Liabilities | 733.02M | 764.04M | 834.20M | 802.15M | 811.44M | 689.79M |
| Stockholders Equity | 141.97M | 140.91M | 137.29M | 137.17M | 139.66M | 147.58M |
Cash Flow | ||||||
| Free Cash Flow | 4.08M | 3.20B | -3.15M | 1.12M | 10.61M | 4.50M |
| Operating Cash Flow | 4.36M | 3.20B | -2.56M | 1.44M | 10.86M | 5.96M |
| Investing Cash Flow | 57.40M | 50.11B | 10.13M | 21.52M | -210.72M | 35.15M |
| Financing Cash Flow | -52.20M | -69.94B | 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 9.32 is above the 20-day moving average (MA) of 9.15, above the 50-day MA of 9.13, and above the 200-day MA of 8.80, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 60.66 is Neutral, neither overbought nor oversold. The STOCH value of 64.62 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
1 New RiskBogota Financial Peers Comparison
Overall Rating
SBFG80Outperform
SFBC65Neutral
UNB63Neutral- BSBK58Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 80Outperform | $190.63M | 11.30 | 11.57% | 2.08% | 9.01% | 26.10% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SFBC | 65Neutral | $115.63M | 13.50 | 7.76% | 1.79% | 0.49% | 26.64% |
| UNB | 63Neutral | $112.82M | 8.80 | 15.07% | 6.22% | 3.17% | 5.55% |
| BSBK | 58Neutral | $118.01M | 43.57 | <0.01% | ― | 20.94% | 444.24% |
| SRBK | 54Neutral | $135.40M | 37.33 | 2.02% | 1.16% | 9.63% | 37.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BSBK | Bogota Financial Corp. | 9.32 | 0.77 | 9.06% | |
| SBFG | SB Financial Group Inc | 30.29 | 10.06 | 49.74% | |
| UNB | Union Bankshares, Inc. | 23.15 | 1.44 | 6.65% | |
| SFBC | Sound Financial Bancorp, Inc. | 45.77 | 1.64 | 3.73% | |
| SRBK | SR Bancorp, Inc. | 19.04 | 4.30 | 29.21% |
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