Bogota Financial Corp. (BSBK) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Bogota Financial Corp. (BSBK) Financial Services Profile

Bogota Financial Corp., operating as Bogota Savings Bank, offers banking products and services with a focus on real estate and commercial lending. With a history dating back to 1893, the company maintains a community banking presence in New Jersey, balancing traditional banking with modern financial needs.

What Is the Investment Thesis for BSBK?

Bogota Financial Corp. presents an investment case centered on its established community banking presence and diversified lending portfolio. With a market capitalization of $116M and a P/E ratio of 43.52, the company's valuation reflects its current profitability and growth prospects. A key driver is the bank's focus on real estate lending, particularly residential and commercial properties in New Jersey. The company's beta of 0.17 indicates lower volatility compared to the broader market, potentially appealing to risk-averse investors. Growth catalysts include expanding its loan portfolio and optimizing its deposit base. However, investors may want to evaluate the potential impact of interest rate fluctuations and regulatory changes on the bank's net interest margin and overall profitability. The company's profit margin of 4.7% and gross margin of 40.1% suggest opportunities for efficiency improvements.

Based on FMP financials and quantitative analysis

BSBK Key Highlights

Market capitalization of $116M indicates its size relative to other regional banks.

• P/E ratio of 43.52 reflects investor expectations of future earnings growth.
• Profit margin of 4.7% suggests potential for improved operational efficiency.
• Gross margin of 40.1% indicates the profitability of its core banking activities.
• Beta of 0.17 suggests lower volatility compared to the overall market.

Who Are BSBK's Competitors?

BSBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are BSBK's Key Strengths?

Established presence in local markets.

• Diversified loan portfolio.
• Experienced management team.
• Strong community relationships.

What Are BSBK's Weaknesses?

Limited geographic reach.

• Smaller size compared to larger regional banks.
• Reliance on traditional banking model.
• Lower profit margin compared to peers.

What Could Drive BSBK Stock Higher?

Potential interest rate hikes by the Federal Reserve could increase net interest margin.

• Implementation of new digital banking platform to attract younger customers by Q4 2026.
• Expansion of commercial lending activities to drive revenue growth.

What Are the Key Risks for BSBK?

Financial-distress signal — its Altman Z-Score of 0.18 sits in the distress zone (elevated bankruptcy risk).

• Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 5 reported quarters.
• Rich valuation — a P/E of 43.52 runs well above the Financial Services sector’s ~17.50x, leaving little room for a miss.
• Economic downturn in New Jersey could negatively impact loan performance.
• Increased competition from larger banks and fintech companies.
• Regulatory changes could increase compliance costs.
• Interest rate fluctuations could impact net interest margin.

What Are the Growth Opportunities for BSBK?

• Expansion of Loan Portfolio: Bogota Financial Corp. has the opportunity to grow its loan portfolio by targeting underserved segments within its existing market. Focusing on commercial and industrial loans, with a market size estimated at several billion dollars in New Jersey, could drive revenue growth. This expansion requires strategic marketing and relationship building to attract new borrowers. Timeline: Within the next 2-3 years.
• Optimization of Deposit Base: The company can improve its profitability by attracting and retaining low-cost deposits. Offering competitive interest rates on savings accounts and money market accounts, while enhancing online banking services, can attract a broader customer base. The market for deposits in New Jersey is substantial, providing ample opportunity for growth. Timeline: Ongoing.
• Strategic Branch Expansion: Expanding its branch network into strategically selected locations within New Jersey can increase Bogota Financial's market presence and customer reach. Identifying areas with strong economic growth and limited banking options can provide a competitive advantage. Each new branch represents a significant investment but can yield long-term returns. Timeline: Within the next 3-5 years.
• Enhancement of Digital Banking Services: Investing in and improving its digital banking platform can attract tech-savvy customers and streamline operations. Offering mobile banking apps, online account management, and digital payment solutions can enhance customer experience and reduce operational costs. The digital banking market is rapidly growing, making this a critical area for investment. Timeline: Ongoing.
• Strategic Acquisitions: Bogota Financial Corp. could pursue strategic acquisitions of smaller community banks or credit unions to expand its market share and geographic reach. Identifying targets with complementary business models and customer bases can create synergies and drive growth. Acquisitions require careful due diligence and integration planning. Timeline: Opportunistic, dependent on market conditions.

What Are BSBK's Competitive Advantages?

• Established community banking presence in New Jersey.
• Long-standing customer relationships.
• Local market expertise.
• Mutual holding company structure emphasizing community focus.

What Does BSBK Do?

Bogota Financial Corp., established in 1893, functions as the bank holding company for Bogota Savings Bank. The bank provides a suite of banking products and services tailored to individuals and businesses primarily in the United States. Its core offerings include a variety of deposit accounts such as demand, savings, money market, and certificate of deposit accounts. Lending activities are a significant part of Bogota's operations, encompassing one- to four-family residential real estate loans, commercial real estate and multi-family loans, consumer loans (including home equity loans and lines of credit), commercial and industrial loans, and construction loans. The company also engages in investment activities, buying, selling, and holding investment securities. Bogota Savings Bank operates through several offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, New Jersey, complemented by a loan production office in Spring Lake, New Jersey. This network allows the bank to maintain a local presence and cater to the specific needs of its customer base. As a subsidiary of Bogota Financial, MHC, the company is rooted in a mutual holding company structure, emphasizing its commitment to community-focused banking practices. With a history spanning over a century, Bogota Financial Corp. has evolved to meet the changing financial needs of its customers while maintaining its dedication to traditional banking values.

What Products and Services Does BSBK Offer?

• Provides deposit accounts, including demand, savings, and money market accounts.
• Offers certificate of deposit accounts.
• Originates one- to four-family residential real estate loans.
• Provides commercial real estate and multi-family loans.
• Offers consumer loans, such as home equity loans and lines of credit.
• Provides commercial and industrial loans.
• Offers construction loans.
• Buys, sells, and holds investment securities.

How Does BSBK Make Money?

• Generates revenue through interest income from loans.
• Earns fees from various banking services.
• Profits from the buying and selling of investment securities.
• Manages risk through diversification of loan portfolio and investment strategies.

What Industry Does BSBK Operate In?

Bogota Financial Corp. operates within the regional banking sector, which is characterized by intense competition and sensitivity to economic cycles. The industry is currently navigating a period of evolving regulatory requirements and technological advancements. Bogota Financial's focus on real estate lending positions it within a segment that is influenced by interest rates and housing market trends. The regional banking sector is also facing increasing competition from larger national banks and fintech companies, requiring institutions like Bogota Financial to adapt and innovate to maintain market share.

Who Are BSBK's Key Customers?

• Individuals seeking deposit accounts and loans.
• Small businesses requiring commercial loans and banking services.
• Real estate investors seeking financing for residential and commercial properties.
• Consumers needing home equity loans and lines of credit.

Company Profile

Bogota Financial Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Teaneck, US. The company is led by CEO Kevin Pace. BSBK has traded publicly since 2020.

Return on equity for Bogota Financial Corp. stands at 1.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. BSBK trades at a trailing price-to-earnings ratio of 43.52, above the Financial Services sector average of ~17.50x. Its free cash flow yield is 3.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.30 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.8%, the inverse of the P/E and a quick read on earnings relative to price.

BSBK Valuation & Market Position

With a $116M market cap, Bogota Financial Corp. sits in the micro-cap segment of the market. Relative to its peer group, BSBK's quantitative score of 68/100 is below the peer average of 91/100.

Quarterly Financial Performance: Bogota Financial Corp.

Revenue for Bogota Financial Corp. came in at $10.2M during Q2 FY2026, a 5.2% contraction versus the preceding quarter. The company recorded net income of $748K, with diluted EPS of $0.06. Revenue has contracted over three consecutive quarters, which investors in this micro-cap Financial Services stock should monitor closely. Across the four most recent quarters, BSBK averaged $0.05 in diluted EPS.

Bogota Financial Corp.'s Piotroski F-Score is 9/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.18 places it in the distress zone, a signal of elevated financial risk.

Bogota Financial Corp. has missed Wall Street's EPS estimate in 5 of its last 5 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 100.0% below estimates on average.

The most recent 11 insider filings for Bogota Financial Corp. break down as 0 sales and 11 purchases. On net that is roughly 11K shares acquired (about $83K) — insiders putting money in tends to read as conviction.

BSBK Financials

BSBK Latest News

BSBK Analyst Consensus

BSBK MoonshotScore

BSBK Financial Services Stock FAQ

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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