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Bogota Financial Corp.(BSBK)Earnings, Financials & Key Ratios
BSBK•NASDAQ•Banking & Credit
$9.14
53.8× P/E·Price updated Jun 27, 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%
BSBK Price & Volume
Bogota Financial Corp. (BSBK) stock price & volume — 10-year historical chart
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Persistent Margin Compression Limits Earnings Recovery Potential
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial Position:Adequate
Cash Flow:Improving
Primary Risk:Geographic and margin concentration
"Bogota Financial Corp. is navigating a challenging transition as it attempts to recover from a period of net losses, evidenced by a return to $705.9K in net income for 2026Q1. While the bank has successfully grown net interest income to $4.4 million, the reliance on an $808.1 million investment securities portfolio leaves the firm highly sensitive to interest rate volatility. Investors should monitor the bank's ability to improve its 0.5% net interest margin, as the current high fixed-cost structure and limited fee income generation continue to constrain bottom-line profitability."
Verdict Logic
while the bank has returned to profitability with $705.9K in 2026Q1 net income, the 53.76 P/E ratio and persistent 0.5% net interest margin suggest limited upside until the bank can demonstrate sustainable margin expansion.
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%
TTM306.89%
EPS CAGR
10 Years-
5 Years0%
3 Years-30.66%
TTM314.45%
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%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.06
—
Rev
$10.5B
—
Q2 2026
May 6, 2026Metric
Actual
Est
EPS
$0.06
—
Rev
$11M
—
Q1 2026
Feb 13, 2026Metric
Actual
Est
EPS
$0.05-44.4%
$0.09
Rev
$11M
—
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.04
—
Rev
$11M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.06 | $10.5B |
| Q2 2026 | May 6, 2026 | $0.06 | $11M |
| Q1 2026 | Feb 13, 2026 | $0.05vs $0.09-44.4% | $11M |
| Q4 2025 | Nov 3, 2025 | $0.04 | $11M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Bogota Financial Corp. (BSBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.14 | $117.49M | 53.76 | 3.9% | 4.67% | 1.5% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $9.30 | $585.28M | 22.14 | 5.09% | 10.39% | 4.75% | — | |
| $14.99 | $626.04M | 757.07 | -26.69% | 1.79% | 0.68% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — | |
| $19.54 | $1.13B | 16.70 | -4.7% | 10.55% | 4.22% | — |
Compare BSBK vs Peers
Bogota Financial Corp. (BSBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BSBK SEC Filings & Documents
Bogota Financial Corp. (BSBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BSBK Frequently Asked Questions
Bogota Financial Corp. (BSBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Bogota Financial Corp. growing?
Bogota Financial Corp. (BSBK) grew revenue by 3.9% over the past year. Growth has been modest.
Is BSBK profitable?
Yes, Bogota Financial Corp. (BSBK) is profitable, generating $2.1M in net income for fiscal year 2025 (4.7% net margin).
Dividend & Returns
What is BSBK's return on equity?
Bogota Financial Corp. (BSBK) has a return on equity (ROE) of 1.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Bogota Financial Corp.'s net interest margin?
Bogota Financial Corp. (BSBK) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
What is Bogota Financial Corp.'s efficiency ratio?
Bogota Financial Corp. (BSBK) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.