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Bogota Financial Corp. (BSBK) Total Return Calculator with Dividends Reinvested

Bogota Financial Corp.

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The total return for Bogota Financial Corp. (BSBK) stock is +24.27% over the past 12 months. So far it's down 0.93% this year. The 5-year total return is -14.24%, meaning $10,000 invested in BSBK stock 5 years ago would be worth $8,576 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in BSBK 1 year ago, it would be worth $12,427 today — you'd have gained $2,427.

With Dividends Reinvested$12,427+24.27%

Price Only (No DRIP)$12,427+24.27%

Period2025-05-07 → 2026-05-07

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in BSBK

1Y$12,427+$2,427 (+24.3%)24.3% CAGR

3Y$10,414+$414 (+4.1%)1.4% CAGR

5Y$8,576-$1,424 (-14.2%)-3.0% CAGR

10Y$7,377-$2,623 (-26.2%)-3.0% CAGR

15Y$7,377-$2,623 (-26.2%)-2.0% CAGR

20Y$7,377-$2,623 (-26.2%)-1.5% CAGR

30Y$7,377-$2,623 (-26.2%)-1.0% CAGR

Bogota Financial Corp. did not pay dividends during this period. Total return = price return.

Loading BSBK total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-0.93%	—	-0.93%	—	$9,907
1Y	+24.27%	24.27%	+24.27%	—	$12,427
3Y	+4.14%	1.36%	+4.14%	—	$10,414
5Y	-14.24%	-3.03%	-14.24%	—	$8,576
10Y	-26.23%	-3.00%	-26.23%	—	$7,377
15Y	-26.23%	-2.01%	-26.23%	—	$7,377
20Y	-26.23%	-1.51%	-26.23%	—	$7,377
30Y	-26.23%	-1.01%	-26.23%	—	$7,377

Risk & Highlights

Best Year+15.03%2021

Worst Year-29.07%2023

Max Drawdown-14.12%2025-09-08 → 2025-12-08

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-1.62%	-1.62%	—	+0.41%	-2.0pp
2025	+12.67%	+12.67%	—	+16.64%	-4.0pp
2024	-8.31%	-8.31%	—	+24.00%	-32.3pp
2023	-29.07%	-29.07%	—	+24.81%	-53.9pp
2022	+10.56%	+10.56%	—	-19.95%	+30.5pp

BSBK underperformed the S&P 500 by 6.10pp over the past year (+24.27% vs +30.37%).

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BSBK Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
BSBKBogota Financial Corp.	$110M	+0.1%	-0.9%	+24.3%	—	+4.1%	-14.2%	-26.2%
NBTBNBT Bancorp Inc.	$2.4B	+2.5%	+9.3%	+9.0%	+3.4pp	+54.1%	+29.9%	+102.2%
KRNYKearny Financial Corp.	$508M	+3.5%	+12.9%	+37.9%	+8.8pp	+32.6%	-20.5%	-9.0%
NFBKNorthfield Bancorp, Inc.	$588M	+2.2%	+26.5%	+31.5%	+5.8pp	+65.7%	+0.2%	+20.6%
HONEHarborOne Bancorp, Inc.	$522M	—	—	+7.9%	+1.6pp	+58.9%	-5.8%	+88.3%
OCFCOceanFirst Financial Corp.	$1.1B	+1.2%	+8.1%	+20.5%	+4.9pp	+55.7%	+2.5%	+45.4%
CHMGChemung Financial Corporation	$331M	+23.5%	+27.0%	+54.5%	+2.9pp	+108.2%	+70.4%	+198.0%
MNSBMainStreet Bancshares, Inc.	$176M	+3.6%	+19.4%	+26.4%	+2.6pp	+21.5%	+20.6%	+126.9%
CZWICitizens Community Bancorp, Inc.	$203M	+2.9%	+21.5%	+45.6%	+0.7pp	+160.0%	+71.2%	+157.0%
FHNFirst Horizon Corporation	$11.9B	+5.6%	+2.1%	+34.9%	+3.3pp	+145.7%	+43.6%	+119.6%
ICEIntercontinental Exchange, Inc.	$88.4B	-6.1%	-2.1%	-10.4%	+1.1pp	+50.8%	+43.4%	+225.3%

Compare:BSBK vs NBTB BSBK vs KRNY BSBK vs NFBK BSBK vs NBTB vs KRNY

About BSBK Dividend Returns

Bogota Financial Corp. (BSBK) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of BSBK over the past year?

Bogota Financial Corp. (BSBK) delivered a return of 24.27% over the past year. Since BSBK does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in BSBK be worth today?

A $10,000 investment in Bogota Financial Corp. one year ago would be worth $12,427 today, representing a gain of $2,427.

Q3Does BSBK pay dividends?

Bogota Financial Corp. (BSBK) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For BSBK, the total return equals the price-only return.

Q4Did BSBK beat the S&P 500?

No, Bogota Financial Corp. (BSBK) underperformed the S&P 500 by 6.10 percentage points over the past year. BSBK delivered a total return of 24.27%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed BSBK by 6.10pp during this period.

Q5What is BSBK's worst drawdown?

Bogota Financial Corp. (BSBK) experienced a maximum drawdown of -14.12% over the past year, declining from its peak on 2025-09-08 to its trough on 2025-12-08. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is BSBK's long-term total return over 10, 20, or 30 years?

Here are Bogota Financial Corp. (BSBK)'s long-term returns with dividends reinvested. Over 10 years, the total return is -26.2% (-3.0% CAGR) — $10,000 would have grown to $7,377. Over 20 years: -26.2% total return (-1.5% CAGR) — $10,000 → $7,377. Over 30 years: -26.2% total return (-1.0% CAGR) — $10,000 → $7,377. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was BSBK's best and worst year?

Bogota Financial Corp.'s best calendar year was 2021 with a total return of 15.0%. Its worst year was 2023 with a total return of -29.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 44.1 percentage points.