Bogota Financial Corp. (BSBK) 10-Year Financial Performance & Capital Metrics

BSBK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

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 $11M -29.5%
Total Revenue $43M +12.2%
Net Income -$2M -437.8%
Return on Equity -1.58% -440.7%
Net Interest Margin 1.09% -31.9%
Efficiency Ratio 33.85% -17.5%
ROA -0.23% -434.1%
Equity / Assets 14.13% -3.2%
Book Value per Share 10.75 +1.1%
Tangible BV/Share 10.74 +1.1%
Debt/Equity 1.33 +9.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 33.9% efficiency ratio
✓Well capitalized: 14.1% equity/assets
✓Trading at only 0.8x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.2%
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.1%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y12.72%

3Y16%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM119.85%

EPS CAGR

10Y-

5Y-

3Y-

TTM120.19%

ROCE

10Y Avg2.22%

5Y Avg1.75%

3Y Avg1.26%

Latest-0.88%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	13.91M	13.23M	11.17M	13.6M	19.28M	23.08M	14.97M	10.55M
NII Growth %	-	-0.05%	-0.16%	0.22%	0.42%	0.2%	-0.35%	-0.3%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	20.44M	21.99M	23.14M	23.28M	25.07M	30.35M	37.28M	41.75M
Interest Expense	6.53M	8.76M	11.97M	9.68M	5.79M	7.27M	22.31M	31.2M
Loan Loss Provision	100K	0	0	200K	-88K	425K	-125K	-148.47K
Non-Interest Income+	614.97K	614.18K	543.28K	1.11M	2.54M	1.12M	1.14M	1.35M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	21.05M	22.6M	23.69M	24.38M	27.61M	31.47M	38.42M	43.1M
Revenue Growth %	-	0.07%	0.05%	0.03%	0.13%	0.14%	0.22%	0.12%
Non-Interest Expense	7.89M	8.32M	8.43M	12M	12.51M	14.29M	15.76M	14.59M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	6.53M	5.53M	3.28M	2.51M	9.4M	9.49M	480.38K	-2.54M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.15%	-0.41%	-0.24%	2.75%	0.01%	-0.95%	-6.29%
Pretax Income+	6.53M	5.53M	3.28M	2.51M	9.4M	9.49M	480.38K	-2.54M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	2.63M	1.39M	850.61K	437.31K	1.88M	2.61M	-162.16K	-371.57K
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.06%	-0.41%	-0.15%	2.64%	-0.09%	-0.91%	-4.38%
Net Income (Continuing)	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
EPS (Diluted)+	0.69	0.73	0.43	0.17	0.52	0.51	0.05	-0.17
EPS Growth %	-	0.06%	-0.41%	-0.6%	2.06%	-0.02%	-0.9%	-4.41%
EPS (Basic)	0.69	0.73	0.43	0.17	0.55	0.51	0.05	-0.17
Diluted Shares Outstanding	5.66M	5.66M	5.66M	12.17M	14.35M	13.58M	12.89M	12.77M

Balance Sheet

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	22.56M	24.52M	127.86M	80.39M	105.07M	16.84M	24.93M	52.23M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	589.15M	610.32M	607M	627.07M	687.25M	881.55M	856.23M	852.02M
Investments Growth %	-	0.04%	-0.01%	0.03%	0.1%	0.28%	-0.03%	-0%
Long-Term Investments	577.35M	596.72M	593.25M	615.2M	645.42M	796.45M	801.75M	752.84M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	81.63K	41.32K	0	0	336.36K	267.27K	206.12K	152.89K
PP&E (Net)	4.45M	4.66M	4.2M	5.67M	8.13M	7.88M	7.69M	15.5M
Other Assets	23.26M	23.57M	25.53M	24.93M	33.86M	40.59M	46.34M	47.34M
Total Current Assets	36.09M	40.06M	143.63M	95.11M	149.62M	105.91M	83.34M	155.65M
Total Non-Current Assets	605.06M	624.94M	622.98M	645.79M	687.74M	845.19M	855.98M	815.84M
Total Assets+	641.14M	665.01M	766.61M	740.9M	837.36M	951.1M	939.32M	971.49M
Asset Growth %	-	0.04%	0.15%	-0.03%	0.13%	0.14%	-0.01%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0%	0%	0.01%	0.01%	0%	-0%
Accounts Payable	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
Net Debt	66.67M	50.12M	-30.77M	23.91M	-20.02M	85.48M	142.76M	130.72M
Long-Term Debt	89.23M	74.64M	97.09M	104.29M	79.05M	43.32M	130.19M	142.67M
Short-Term Debt	0	0	0	0	6M	59M	37.5M	29.5M
Other Liabilities	7.15M	7.6M	96.79M	6.17M	7.25M	7.71M	9.11M	9.06M
Total Current Liabilities	476.46M	510.29M	497.75M	501.97M	603.48M	760.41M	662.85M	671.69M
Total Non-Current Liabilities	96.38M	82.24M	193.88M	110.46M	86.31M	51.03M	139.3M	162.51M
Total Liabilities	572.83M	592.53M	691.63M	612.44M	689.79M	811.44M	802.15M	834.2M
Total Equity+	68.31M	72.48M	74.98M	128.47M	147.58M	139.66M	137.17M	137.29M
Equity Growth %	-	0.06%	0.03%	0.71%	0.15%	-0.05%	-0.02%	0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.03%	0.02%	0.05%	0.05%	0%	-0.02%
Book Value per Share	12.07	12.81	13.25	10.56	10.28	10.29	10.64	10.75
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	0	0	0	131.57K	146.06K	136.99K	132.79K	130.59K
Additional Paid-in Capital	0	0	0	56.98M	68.25M	59.1M	56.15M	55.27M
Retained Earnings	68.66M	72.8M	75.29M	77.36M	84.88M	91.76M	92.18M	90.01M
Accumulated OCI	-350K	-317K	-313.67K	-273.01K	-272.66K	-6.21M	-6.46M	-3.6M
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.74M	4.18M	2.57M	5.8M	5.96M	10.86M	1.44M	-2.56M
Operating CF Growth %	-	-0.27%	-0.38%	1.26%	0.03%	0.82%	-0.87%	-2.78%
Net Income	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
Depreciation & Amortization	351.15K	312.62K	295.87K	272.56K	-342.1K	255.4K	458.4K	489.7K
Deferred Taxes	684.26K	-84.25K	-86.12K	-837.31K	261.28K	503.31K	-624.39K	-457.54K
Other Non-Cash Items	108.71K	139.08K	158.8K	3.36M	-1.87M	903.58K	-734.13K	-863.54K
Working Capital Changes	692.27K	-324.11K	-222.62K	718.45K	-180.28K	1.1M	537.3K	-672.59K
Cash from Investing+	-38.24M	-21.7M	1.65M	-22.25M	35.15M	-210.72M	21.52M	10.13M
Purchase of Investments	-23.71M	-19.25M	-9.09M	-25.5M	-77.96M	-92.58M	-8.7M	-87.41M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	19.39M	0	0	0
Other Investing	-25.97M	-12.81M	-11.93M	-20.78M	56.73M	-154.62M	1.08M	14.72M
Cash from Financing+	13.56M	19.48M	99.12M	-31.03M	-16.43M	111.64M	-14.87M	19.74M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-41.51M	-481.47K	-10.07M	-3.81M	-1.7M
Stock Issued	0	0	0	7.68M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	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
Net Change in Cash+	-18.93M	1.96M	103.34M	-47.48M	24.68M	-88.23M	8.09M	27.3M
Exchange Rate Effect	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
Cash at End	22.56M	24.52M	127.86M	80.39M	105.07M	16.84M	24.93M	52.23M
Interest Paid	6.53M	8.76M	11.97M	9.68M	5.92M	6.9M	21.64M	30.75M
Income Taxes Paid	1.47M	2.19M	603K	1.16M	1.71M	2.23M	1.38M	40K
Free Cash Flow+	5.61M	3.66M	2.41M	4.06M	4.5M	10.61M	1.12M	-3.15M
FCF Growth %	-	-0.35%	-0.34%	0.68%	0.11%	1.36%	-0.89%	-3.82%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.71%	5.88%	3.29%	2.03%	5.45%	4.79%	0.46%	-1.58%
Return on Assets (ROA)	0.61%	0.63%	0.34%	0.27%	0.95%	0.77%	0.07%	-0.23%
Net Interest Margin	2.17%	1.99%	1.46%	1.84%	2.3%	2.43%	1.59%	1.09%
Efficiency Ratio	37.5%	36.79%	35.61%	49.21%	45.32%	45.39%	41.01%	33.85%
Equity / Assets	10.65%	10.9%	9.78%	17.34%	17.62%	14.68%	14.6%	14.13%
Book Value / Share	12.07	12.81	13.25	10.56	10.28	10.29	10.64	10.75
NII Growth	-	-4.9%	-15.57%	21.74%	41.77%	19.71%	-35.12%	-29.54%

Frequently Asked Questions

Growth & Financials

Bogota Financial Corp. (BSBK) grew revenue by 12.2% over the past year. This is steady growth.

Yes, Bogota Financial Corp. (BSBK) is profitable, generating $0.5M in net income for fiscal year 2024 (-5.0% net margin).

Dividend & Returns

Bogota Financial Corp. (BSBK) has a return on equity (ROE) of -1.6%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Bogota Financial Corp. (BSBK) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.

Bogota Financial Corp. (BSBK) has an efficiency ratio of 33.9%. This is excellent, indicating strong cost control.

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Bogota Financial Corp. (BSBK) 10-Year Financial Performance & Capital Metrics

BSBK • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $11M -29.5%
Total Revenue $43M +12.2%
Net Income -$2M -437.8%
Return on Equity -1.58% -440.7%
Net Interest Margin 1.09% -31.9%
Efficiency Ratio 33.85% -17.5%
ROA -0.23% -434.1%
Equity / Assets 14.13% -3.2%
Book Value per Share 10.75 +1.1%
Tangible BV/Share 10.74 +1.1%
Debt/Equity 1.33 +9.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 33.9% efficiency ratio
✓Well capitalized: 14.1% equity/assets
✓Trading at only 0.8x book value

✗Weaknesses

✗Weak 3Y average ROE of 1.2%
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.1%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y12.72%

3Y16%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM119.85%

EPS CAGR

10Y-

5Y-

3Y-

TTM120.19%

ROCE

10Y Avg2.22%

5Y Avg1.75%

3Y Avg1.26%

Latest-0.88%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	13.91M	13.23M	11.17M	13.6M	19.28M	23.08M	14.97M	10.55M
NII Growth %	-	-0.05%	-0.16%	0.22%	0.42%	0.2%	-0.35%	-0.3%
Net Interest Margin %	-	-	-	-	-	-	-	-
Interest Income	20.44M	21.99M	23.14M	23.28M	25.07M	30.35M	37.28M	41.75M
Interest Expense	6.53M	8.76M	11.97M	9.68M	5.79M	7.27M	22.31M	31.2M
Loan Loss Provision	100K	0	0	200K	-88K	425K	-125K	-148.47K
Non-Interest Income+	614.97K	614.18K	543.28K	1.11M	2.54M	1.12M	1.14M	1.35M
Non-Interest Income %	-	-	-	-	-	-	-	-
Total Revenue+	21.05M	22.6M	23.69M	24.38M	27.61M	31.47M	38.42M	43.1M
Revenue Growth %	-	0.07%	0.05%	0.03%	0.13%	0.14%	0.22%	0.12%
Non-Interest Expense	7.89M	8.32M	8.43M	12M	12.51M	14.29M	15.76M	14.59M
Efficiency Ratio	-	-	-	-	-	-	-	-
Operating Income+	6.53M	5.53M	3.28M	2.51M	9.4M	9.49M	480.38K	-2.54M
Operating Margin %	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.15%	-0.41%	-0.24%	2.75%	0.01%	-0.95%	-6.29%
Pretax Income+	6.53M	5.53M	3.28M	2.51M	9.4M	9.49M	480.38K	-2.54M
Pretax Margin %	-	-	-	-	-	-	-	-
Income Tax+	2.63M	1.39M	850.61K	437.31K	1.88M	2.61M	-162.16K	-371.57K
Effective Tax Rate %	-	-	-	-	-	-	-	-
Net Income+	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
Net Margin %	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.06%	-0.41%	-0.15%	2.64%	-0.09%	-0.91%	-4.38%
Net Income (Continuing)	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
EPS (Diluted)+	0.69	0.73	0.43	0.17	0.52	0.51	0.05	-0.17
EPS Growth %	-	0.06%	-0.41%	-0.6%	2.06%	-0.02%	-0.9%	-4.41%
EPS (Basic)	0.69	0.73	0.43	0.17	0.55	0.51	0.05	-0.17
Diluted Shares Outstanding	5.66M	5.66M	5.66M	12.17M	14.35M	13.58M	12.89M	12.77M

Balance Sheet

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	22.56M	24.52M	127.86M	80.39M	105.07M	16.84M	24.93M	52.23M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	589.15M	610.32M	607M	627.07M	687.25M	881.55M	856.23M	852.02M
Investments Growth %	-	0.04%	-0.01%	0.03%	0.1%	0.28%	-0.03%	-0%
Long-Term Investments	577.35M	596.72M	593.25M	615.2M	645.42M	796.45M	801.75M	752.84M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0
Intangible Assets	81.63K	41.32K	0	0	336.36K	267.27K	206.12K	152.89K
PP&E (Net)	4.45M	4.66M	4.2M	5.67M	8.13M	7.88M	7.69M	15.5M
Other Assets	23.26M	23.57M	25.53M	24.93M	33.86M	40.59M	46.34M	47.34M
Total Current Assets	36.09M	40.06M	143.63M	95.11M	149.62M	105.91M	83.34M	155.65M
Total Non-Current Assets	605.06M	624.94M	622.98M	645.79M	687.74M	845.19M	855.98M	815.84M
Total Assets+	641.14M	665.01M	766.61M	740.9M	837.36M	951.1M	939.32M	971.49M
Asset Growth %	-	0.04%	0.15%	-0.03%	0.13%	0.14%	-0.01%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0%	0%	0.01%	0.01%	0%	-0%
Accounts Payable	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
Net Debt	66.67M	50.12M	-30.77M	23.91M	-20.02M	85.48M	142.76M	130.72M
Long-Term Debt	89.23M	74.64M	97.09M	104.29M	79.05M	43.32M	130.19M	142.67M
Short-Term Debt	0	0	0	0	6M	59M	37.5M	29.5M
Other Liabilities	7.15M	7.6M	96.79M	6.17M	7.25M	7.71M	9.11M	9.06M
Total Current Liabilities	476.46M	510.29M	497.75M	501.97M	603.48M	760.41M	662.85M	671.69M
Total Non-Current Liabilities	96.38M	82.24M	193.88M	110.46M	86.31M	51.03M	139.3M	162.51M
Total Liabilities	572.83M	592.53M	691.63M	612.44M	689.79M	811.44M	802.15M	834.2M
Total Equity+	68.31M	72.48M	74.98M	128.47M	147.58M	139.66M	137.17M	137.29M
Equity Growth %	-	0.06%	0.03%	0.71%	0.15%	-0.05%	-0.02%	0%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.03%	0.02%	0.05%	0.05%	0%	-0.02%
Book Value per Share	12.07	12.81	13.25	10.56	10.28	10.29	10.64	10.75
Tangible BV per Share	-	-	-	-	-	-	-	-
Common Stock	0	0	0	131.57K	146.06K	136.99K	132.79K	130.59K
Additional Paid-in Capital	0	0	0	56.98M	68.25M	59.1M	56.15M	55.27M
Retained Earnings	68.66M	72.8M	75.29M	77.36M	84.88M	91.76M	92.18M	90.01M
Accumulated OCI	-350K	-317K	-313.67K	-273.01K	-272.66K	-6.21M	-6.46M	-3.6M
Treasury Stock	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.74M	4.18M	2.57M	5.8M	5.96M	10.86M	1.44M	-2.56M
Operating CF Growth %	-	-0.27%	-0.38%	1.26%	0.03%	0.82%	-0.87%	-2.78%
Net Income	3.9M	4.14M	2.43M	2.07M	7.52M	6.88M	642.53K	-2.17M
Depreciation & Amortization	351.15K	312.62K	295.87K	272.56K	-342.1K	255.4K	458.4K	489.7K
Deferred Taxes	684.26K	-84.25K	-86.12K	-837.31K	261.28K	503.31K	-624.39K	-457.54K
Other Non-Cash Items	108.71K	139.08K	158.8K	3.36M	-1.87M	903.58K	-734.13K	-863.54K
Working Capital Changes	692.27K	-324.11K	-222.62K	718.45K	-180.28K	1.1M	537.3K	-672.59K
Cash from Investing+	-38.24M	-21.7M	1.65M	-22.25M	35.15M	-210.72M	21.52M	10.13M
Purchase of Investments	-23.71M	-19.25M	-9.09M	-25.5M	-77.96M	-92.58M	-8.7M	-87.41M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	19.39M	0	0	0
Other Investing	-25.97M	-12.81M	-11.93M	-20.78M	56.73M	-154.62M	1.08M	14.72M
Cash from Financing+	13.56M	19.48M	99.12M	-31.03M	-16.43M	111.64M	-14.87M	19.74M
Dividends Paid	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	-41.51M	-481.47K	-10.07M	-3.81M	-1.7M
Stock Issued	0	0	0	7.68M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-
Debt Issuance (Net)	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
Net Change in Cash+	-18.93M	1.96M	103.34M	-47.48M	24.68M	-88.23M	8.09M	27.3M
Exchange Rate Effect	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
Cash at End	22.56M	24.52M	127.86M	80.39M	105.07M	16.84M	24.93M	52.23M
Interest Paid	6.53M	8.76M	11.97M	9.68M	5.92M	6.9M	21.64M	30.75M
Income Taxes Paid	1.47M	2.19M	603K	1.16M	1.71M	2.23M	1.38M	40K
Free Cash Flow+	5.61M	3.66M	2.41M	4.06M	4.5M	10.61M	1.12M	-3.15M
FCF Growth %	-	-0.35%	-0.34%	0.68%	0.11%	1.36%	-0.89%	-3.82%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.71%	5.88%	3.29%	2.03%	5.45%	4.79%	0.46%	-1.58%
Return on Assets (ROA)	0.61%	0.63%	0.34%	0.27%	0.95%	0.77%	0.07%	-0.23%
Net Interest Margin	2.17%	1.99%	1.46%	1.84%	2.3%	2.43%	1.59%	1.09%
Efficiency Ratio	37.5%	36.79%	35.61%	49.21%	45.32%	45.39%	41.01%	33.85%
Equity / Assets	10.65%	10.9%	9.78%	17.34%	17.62%	14.68%	14.6%	14.13%
Book Value / Share	12.07	12.81	13.25	10.56	10.28	10.29	10.64	10.75
NII Growth	-	-4.9%	-15.57%	21.74%	41.77%	19.71%	-35.12%	-29.54%

Frequently Asked Questions

Growth & Financials

Bogota Financial Corp. (BSBK) grew revenue by 12.2% over the past year. This is steady growth.

Yes, Bogota Financial Corp. (BSBK) is profitable, generating $0.5M in net income for fiscal year 2024 (-5.0% net margin).

Dividend & Returns

Bogota Financial Corp. (BSBK) has a return on equity (ROE) of -1.6%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Bogota Financial Corp. (BSBK) has a net interest margin (NIM) of 1.1%. NIM has been under pressure due to interest rate environment.

Bogota Financial Corp. (BSBK) has an efficiency ratio of 33.9%. This is excellent, indicating strong cost control.