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Bogota Financial Corp.(BSBK)Earnings, Financials & Key Ratios
BSBK•NASDAQ•Banking & Credit
$8.39
$108M mkt cap·49.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBogota 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.Show more
- Net Interest Income$15M+46.6%
- Total Revenue$45M+3.9%
- Net Income$2M+196.3%
- Return on Equity1.5%+195.0%
- Net Interest Margin1.71%+57.4%
- Efficiency Ratio34.16%+0.9%
- ROA0.22%+198.1%
- Equity / Assets15.57%+10.2%
- Book Value per Share11.15+3.7%
- Tangible BV/Share11.14+3.8%
- Debt/Equity0.74-44.7%
BSBK Key Insights
Bogota Financial Corp. (BSBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 9/9
- ✓Efficient operations: 34.2% efficiency ratio
- ✓Well capitalized: 15.6% equity/assets
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 0.1%
- ✗Weak NIM of 1.7%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BSBK Price & Volume
Bogota Financial Corp. (BSBK) stock price & volume — 10-year historical chart
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BSBK Growth Metrics
Bogota Financial Corp. (BSBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.93%
3 Years12.47%
TTM-
Profit CAGR
10 Years-
5 Years0.22%
3 Years-32.76%
TTM196.33%
EPS CAGR
10 Years-
5 Years0%
3 Years-30.66%
TTM197.18%
Return on Capital
10 Years2.01%
5 Years1.62%
3 Years-0.11%
Last Year0.35%
BSBK Recent Earnings
Bogota Financial Corp. (BSBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 0/12 qtrs (0%)
Q1 2026Latest
Feb 13, 2026EPS
$0.05
Est $0.09
-44.4%
Revenue
$11M
Q4 2025
Nov 3, 2025EPS
$0.04
Revenue
$11M
Q3 2025
Jul 31, 2025EPS
$0.02
Revenue
$11M
Q2 2025
Apr 30, 2025EPS
$0.06
Revenue
$12M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 13, 2026 | $0.05vs $0.09-44.4% | $11M |
| Q4 2025 | Nov 3, 2025 | $0.04 | $11M |
| Q3 2025 | Jul 31, 2025 | $0.02 | $11M |
| Q2 2025 | Apr 30, 2025 | $0.06 | $12M |
Based on last 12 quarters of dataView full earnings history →
BSBK Peer Comparison
Bogota Financial Corp. (BSBK) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 KRNY | 510.29M | 8.12 | 19.32 | 5.09% | 4.31% | 1.68 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 OCFC | 1.09B | 19.04 | 16.27 | -4.7% | 4.26% | 0.98 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 MNSB | 175.12M | 23.36 | 13.27 | -1.44% | 7.26% | 0.32 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 |
Compare BSBK vs Peers
Bogota Financial Corp. (BSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BSBK Income Statement
Bogota Financial Corp. (BSBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 13.91M | 13.23M | 11.17M | 13.6M | 19.28M | 23.08M | 14.97M | 10.55M | 15.47M |
| NII Growth % | - | -4.9% | -15.57% | 21.74% | 41.77% | 19.71% | -35.12% | -29.54% | 46.63% |
| Net Interest Margin % | 2.17% | 1.99% | 1.46% | 1.84% | 2.3% | 2.43% | 1.59% | 1.09% | 1.71% |
| Interest Income | 20.44M | 21.99M | 23.14M | 23.28M | 25.07M | 30.35M | 37.28M | 41.75M | 43.01M |
| Interest Expense | 6.53M | 8.76M | 11.97M | 9.68M | 5.79M | 7.27M | 22.31M | 31.2M | 27.54M |
| Loan Loss Provision | 100K | 0 | 0 | 200K | -88K | 425K | -125K | -148.47K | -130K |
| Non-Interest Income | 614.97K | 614.18K | 543.28K | 1.11M | 2.54M | 1.12M | 1.14M | 1.35M | 1.77M |
| Non-Interest Income % | 2.92% | 2.72% | 2.29% | 4.53% | 9.21% | 3.57% | 2.96% | 3.13% | 3.95% |
| Total Revenue | 21.05M▲ 0% | 22.6M▲ 7.4% | 23.69M▲ 4.8% | 24.38M▲ 2.9% | 27.61M▲ 13.2% | 31.47M▲ 14.0% | 38.42M▲ 22.1% | 43.1M▲ 12.2% | 44.78M▲ 3.9% |
| Revenue Growth % | - | 7.37% | 4.8% | 2.94% | 13.24% | 13.98% | 22.08% | 12.18% | 3.9% |
| Non-Interest Expense | 7.89M | 8.32M | 8.43M | 12M | 12.51M | 14.29M | 15.76M | 14.59M | 15.3M |
| Efficiency Ratio | 37.5% | 36.79% | 35.61% | 49.21% | 45.32% | 45.39% | 41.01% | 33.85% | 34.16% |
| Operating Income | 6.53M▲ 0% | 5.53M▼ 15.4% | 3.28M▼ 40.7% | 2.51M▼ 23.6% | 9.4M▲ 275.0% | 9.49M▲ 1.0% | 480.38K▼ 94.9% | -2.54M▼ 629.2% | 2.07M▲ 181.5% |
| Operating Margin % | 31.03% | 24.46% | 13.84% | 10.28% | 34.03% | 30.16% | 1.25% | -5.9% | 4.63% |
| Operating Income Growth % | - | -15.38% | -40.68% | -23.58% | 274.98% | 1.02% | -94.94% | -629.16% | 181.53% |
| Pretax Income | 6.53M▲ 0% | 5.53M▼ 15.4% | 3.28M▼ 40.7% | 2.51M▼ 23.6% | 9.4M▲ 275.0% | 9.49M▲ 1.0% | 480.38K▼ 94.9% | -2.54M▼ 629.2% | 2.07M▲ 181.5% |
| Pretax Margin % | 31.03% | 24.46% | 13.84% | 10.28% | 34.03% | 30.16% | 1.25% | -5.9% | 4.63% |
| Income Tax | 2.63M | 1.39M | 850.61K | 437.31K | 1.88M | 2.61M | -162.16K | -371.57K | -18.28K |
| Effective Tax Rate % | 40.26% | 25.16% | 25.94% | 17.45% | 19.96% | 27.55% | -33.76% | 14.62% | -0.88% |
| Net Income | 3.9M▲ 0% | 4.14M▲ 6.0% | 2.43M▼ 41.3% | 2.07M▼ 14.8% | 7.52M▲ 263.6% | 6.88M▼ 8.6% | 642.53K▼ 90.7% | -2.17M▼ 437.8% | 2.09M▲ 196.3% |
| Net Margin % | 18.54% | 18.3% | 10.25% | 8.48% | 27.24% | 21.85% | 1.67% | -5.04% | 4.67% |
| Net Income Growth % | - | 6.02% | -41.31% | -14.81% | 263.6% | -8.55% | -90.66% | -437.79% | 196.33% |
| Net Income (Continuing) | 3.9M | 4.14M | 2.43M | 2.07M | 7.52M | 6.88M | 642.53K | -2.17M | 2.09M |
| EPS (Diluted) | 0.69▲ 0% | 0.73▲ 5.8% | 0.43▼ 41.1% | 0.17▼ 60.5% | 0.52▲ 205.9% | 0.51▼ 1.9% | 0.05▼ 90.2% | -0.17▼ 441.4% | 0.17▲ 200.0% |
| EPS Growth % | - | 5.8% | -41.1% | -60.47% | 205.88% | -1.92% | -90.24% | -441.37% | 200% |
| EPS (Basic) | 0.69 | 0.73 | 0.43 | 0.17 | 0.55 | 0.51 | 0.05 | -0.17 | 0.17 |
| Diluted Shares Outstanding | 5.66M | 5.66M | 5.66M | 12.17M | 14.35M | 13.58M | 12.89M | 12.77M | 12.63M |
BSBK Balance Sheet
Bogota Financial Corp. (BSBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 34.36M | 38.12M | 141.61M | 92.26M | 146.91M | 101.94M | 79.41M | 151.41M | 137.08M |
| Cash & Due from Banks | 22.56M | 24.52M | 127.86M | 80.39M | 105.07M | 16.84M | 24.93M | 52.23M | 35.6M |
| Short Term Investments | 11.8M | 13.6M | 13.75M | 11.87M | 41.84M | 85.1M | 54.48M | 99.18M | 101.48M |
| Total Investments | 589.15M | 610.32M | 607M | 627.07M | 687.25M | 881.55M | 856.23M | 852.02M | 808.12M |
| Investments Growth % | - | 3.59% | -0.54% | 3.31% | 9.6% | 28.27% | -2.87% | -0.49% | -5.15% |
| Long-Term Investments | 577.35M | 596.72M | 593.25M | 615.2M | 645.42M | 796.45M | 801.75M | 752.84M | 706.65M |
| Accounts Receivables | 1.73M | 1.95M | 2.02M | 2.86M | 2.71M | 3.97M | 3.93M | 4.23M | 4.26M |
| Goodwill & Intangibles | 81.63K | 41.32K | 0 | 0 | 336.36K | 267.27K | 206.12K | 152.89K | 107.6K |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 81.63K | 41.32K | 0 | 0 | 336.36K | 267.27K | 206.12K | 152.89K | 107.6K |
| PP&E (Net) | 4.45M | 4.66M | 4.2M | 5.67M | 8.13M | 7.88M | 7.69M | 15.5M | 14.66M |
| Other Assets | 23.26M | 23.57M | 25.53M | 24.93M | 33.86M | 40.59M | 46.34M | 47.34M | 157.33M |
| Total Current Assets | 36.09M | 40.06M | 143.63M | 95.11M | 149.62M | 105.91M | 83.34M | 155.65M | 26.2M |
| Total Non-Current Assets | 605.06M | 624.94M | 622.98M | 645.79M | 687.74M | 845.19M | 855.98M | 815.84M | 878.74M |
| Total Assets | 641.14M▲ 0% | 665.01M▲ 3.7% | 766.61M▲ 15.3% | 740.9M▼ 3.4% | 837.36M▲ 13.0% | 951.1M▲ 13.6% | 939.32M▼ 1.2% | 971.49M▲ 3.4% | 904.95M▼ 6.8% |
| Asset Growth % | - | 3.72% | 15.28% | -3.35% | 13.02% | 13.58% | -1.24% | 3.42% | -6.85% |
| Return on Assets (ROA) | 0.61% | 0.63% | 0.34% | 0.27% | 0.95% | 0.77% | 0.07% | -0.23% | 0.22% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 89.23M | 74.64M | 97.09M | 104.29M | 85.05M | 102.32M | 167.69M | 182.95M | 103.76M |
| Net Debt | 66.67M | 50.12M | -30.77M | 23.91M | -20.02M | 85.48M | 142.76M | 130.72M | 68.16M |
| Long-Term Debt | 89.23M | 74.64M | 97.09M | 104.29M | 79.05M | 43.32M | 130.19M | 142.67M | 73.32M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 6M | 59M | 37.5M | 29.5M | 20M |
| Other Liabilities | 7.15M | 7.6M | 96.79M | 6.17M | 7.25M | 7.71M | 9.11M | 9.06M | 660.28M |
| Total Current Liabilities | 476.46M | 510.29M | 497.75M | 501.97M | 603.48M | 760.41M | 662.85M | 671.69M | 20M |
| Total Non-Current Liabilities | 96.38M | 82.24M | 193.88M | 110.46M | 86.31M | 51.03M | 139.3M | 162.51M | 744.04M |
| Total Liabilities | 572.83M | 592.53M | 691.63M | 612.44M | 689.79M | 811.44M | 802.15M | 834.2M | 764.04M |
| Total Equity | 68.31M▲ 0% | 72.48M▲ 6.1% | 74.98M▲ 3.4% | 128.47M▲ 71.3% | 147.58M▲ 14.9% | 139.66M▼ 5.4% | 137.17M▼ 1.8% | 137.29M▲ 0.1% | 140.91M▲ 2.6% |
| Equity Growth % | - | 6.1% | 3.45% | 71.34% | 14.87% | -5.36% | -1.78% | 0.08% | 2.64% |
| Equity / Assets (Capital Ratio) | 10.65% | 10.9% | 9.78% | 17.34% | 17.62% | 14.68% | 14.6% | 14.13% | 15.57% |
| Return on Equity (ROE) | 5.71% | 5.88% | 3.29% | 2.03% | 5.45% | 4.79% | 0.46% | -1.58% | 1.5% |
| Book Value per Share | 12.07 | 12.81 | 13.25 | 10.56 | 10.28 | 10.29 | 10.64 | 10.75 | 11.15 |
| Tangible BV per Share | 12.06 | 12.80 | 13.25 | 10.56 | 10.26 | 10.27 | 10.62 | 10.74 | 11.14 |
| Common Stock | 0 | 0 | 0 | 131.57K | 146.06K | 136.99K | 132.79K | 130.59K | 129.25K |
| Additional Paid-in Capital | 0 | 0 | 0 | 56.98M | 68.25M | 59.1M | 56.15M | 55.27M | 54.95M |
| Retained Earnings | 68.66M | 72.8M | 75.29M | 77.36M | 84.88M | 91.76M | 92.18M | 90.01M | 92.1M |
| Accumulated OCI | -350K | -317K | -313.67K | -273.01K | -272.66K | -6.21M | -6.46M | -3.6M | -6.27M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BSBK Cash Flow Statement
Bogota Financial Corp. (BSBK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 5.74M | 4.18M | 2.57M | 5.8M | 5.96M | 10.86M | 1.44M | -2.56M | 3.2B |
| Operating CF Growth % | - | -27.15% | -38.43% | 125.5% | 2.71% | 82.11% | -86.76% | -278.1% | 125234.63% |
| Net Income | 3.9M | 4.14M | 2.43M | 2.07M | 7.52M | 6.88M | 642.53K | -2.17M | 2.09M |
| Depreciation & Amortization | 351.15K | 312.62K | 295.87K | 272.56K | -342.1K | 255.4K | 458.4K | 489.7K | 0 |
| Deferred Taxes | 684.26K | -84.25K | -86.12K | -837.31K | 261.28K | 503.31K | -624.39K | -457.54K | 0 |
| Other Non-Cash Items | 108.71K | 139.08K | 158.8K | 3.36M | -1.87M | 903.58K | -734.13K | -863.54K | 3.2B |
| Working Capital Changes | 692.27K | -324.11K | -222.62K | 718.45K | -180.28K | 1.1M | 537.3K | -672.59K | 950.61K |
| Cash from Investing | -38.24M | -21.7M | 1.65M | -22.25M | 35.15M | -210.72M | 21.52M | 10.13M | 50.11B |
| Purchase of Investments | -23.71M | -19.25M | -9.09M | -25.5M | -77.96M | -92.58M | -8.7M | -87.41M | 0 |
| Sale/Maturity of Investments | 11.58M | 10.88M | 22.83M | 25.77M | 38.44M | 36.72M | 29.46M | 83.41M | 0 |
| Net Investment Activity | -12.14M | -8.37M | 13.74M | 272.97K | -39.52M | -55.86M | 20.76M | -4M | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 19.39M | 0 | 0 | 0 | 0 |
| Other Investing | -25.97M | -12.81M | -11.93M | -20.78M | 56.73M | -154.62M | 1.08M | 14.72M | 50.11B |
| Cash from Financing | 13.56M | 19.48M | 99.12M | -31.03M | -16.43M | 111.64M | -14.87M | 19.74M | -69.94B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -41.51M | -481.47K | -10.07M | -3.81M | -1.7M | -1.13M |
| Stock Issued | 0 | 0 | 0 | 7.68M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | -33.82M | -481.47K | -10.07M | -3.81M | -1.7M | -1.13M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | -1.1M | 34.07M | 76.67M | 1.62M | 13.44M | 104.36M | -76.47M | 16.93M | -69.86B |
| Net Change in Cash | -18.93M▲ 0% | 1.96M▲ 110.3% | 103.34M▲ 5174.6% | -47.48M▼ 145.9% | 24.68M▲ 152.0% | -88.23M▼ 457.4% | 8.09M▲ 109.2% | 27.3M▲ 237.5% | -16.63B▼ 61022.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 41.49M | 22.56M | 24.52M | 127.86M | 80.39M | 105.07M | 16.84M | 24.93M | 52.23B |
| Cash at End | 22.56M | 24.52M | 127.86M | 80.39M | 105.07M | 16.84M | 24.93M | 52.23M | 35.6B |
| Interest Paid | 6.53M | 8.76M | 11.97M | 9.68M | 5.92M | 6.9M | 21.64M | 30.75M | 28.1M |
| Income Taxes Paid | 1.47M | 2.19M | 603K | 1.16M | 1.71M | 2.23M | 1.38M | 40K | 100K |
| Free Cash Flow | 5.61M▲ 0% | 3.66M▼ 34.8% | 2.41M▼ 34.0% | 4.06M▲ 68.0% | 4.5M▲ 11.0% | 10.61M▲ 135.6% | 1.12M▼ 89.5% | -3.15M▼ 381.8% | 3.2B▲ 101641.7% |
| FCF Growth % | - | -34.84% | -33.96% | 68.03% | 11.03% | 135.63% | -89.45% | -381.84% | 101641.7% |
BSBK Banking Ratios
Bogota Financial Corp. (BSBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.71% | 5.88% | 3.29% | 2.03% | 5.45% | 4.79% | 0.46% | -1.58% | 1.5% |
| Return on Assets (ROA) | 0.61% | 0.63% | 0.34% | 0.27% | 0.95% | 0.77% | 0.07% | -0.23% | 0.22% |
| Net Interest Margin | 2.17% | 1.99% | 1.46% | 1.84% | 2.3% | 2.43% | 1.59% | 1.09% | 1.71% |
| Efficiency Ratio | 37.5% | 36.79% | 35.61% | 49.21% | 45.32% | 45.39% | 41.01% | 33.85% | 34.16% |
| Equity / Assets | 10.65% | 10.9% | 9.78% | 17.34% | 17.62% | 14.68% | 14.6% | 14.13% | 15.57% |
| Book Value / Share | 12.07 | 12.81 | 13.25 | 10.56 | 10.28 | 10.29 | 10.64 | 10.75 | 11.15 |
| NII Growth | - | -4.9% | -15.57% | 21.74% | 41.77% | 19.71% | -35.12% | -29.54% | 46.63% |
BSBK SEC Filings & Documents
Bogota Financial Corp. (BSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
BSBK Frequently Asked Questions
Bogota Financial Corp. (BSBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Bogota Financial Corp. (BSBK) grew revenue by 3.9% over the past year. Growth has been modest.
Yes, Bogota Financial Corp. (BSBK) is profitable, generating $2.1M in net income for fiscal year 2025 (4.7% net margin).
Dividend & Returns
Bogota Financial Corp. (BSBK) has a return on equity (ROE) of 1.5%. This is below average, suggesting room for improvement.
Industry Metrics
Bogota Financial Corp. (BSBK) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
Bogota Financial Corp. (BSBK) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.
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Bogota Financial Corp. (BSBK) financial analysis — history, returns, DCA and operating performance tools
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Earnings History
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Revenue History
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Financial Ratios
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Valuation
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