Bogota Financial Corp. (BSBK)
Valuation Overview•Is Bogota Financial Corp. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Fragile underlying quality score of 42/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant profitability concerns.
Wall Street sentiment is generally neutral. However, capital return yields remain modest, driven predominantly by aggressive share repurchases.
Returns capital exclusively via buybacks — no active dividend
BSBK struggles with subpar profitability and pressured margins. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 5.2%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $10.8M | +3.9% | — | — | — | |
| EBITDA | $1.0M | — | -36.7% | — | — | |
| Net Income | $706K | +196.3% | -32.8% | — | — | |
| EPS (Diluted) | $0.06 | +200.0% | -30.7% | +0.0% | — | |
| Free Cash Flow | $673K | +101641.7% | +570.8% | +279.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 40.1% | 36.3% | 52.8% | 55.8% |
| Operating Margin | 5.2% | -0.0% | 12.8% | 16.0% |
| Net Margin | 4.7% | 0.4% | 10.1% | 11.8% |
| FCF Margin | 8.8% | 2383.2% | 1439.9% | 807.7% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.06 | — | ||
| Q2'26 | — | $0.06 | — | ||
| Q1'26 | $0.09 | $0.05 | -44.4% | ||
| Q4'25 | — | $0.04 | — | ||
| Q3'25 | — | $0.02 | — | ||
| Q2'25 | — | $0.06 | — | ||
| Q1'25 | — | $-0.07 | — | ||
| Q4'24 | $0.09 | $-0.01 | -111.1% |
Total return is +18.9% (1Y), lagging the benchmark by -2.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +5.8% | -1.5% | — |
| 1Y | +18.9% | -2.0% | — |
| 3YCAGR | +4.2% | -15.4% | — |
| 5YCAGR | -2.3% | -13.6% | — |
| 10YCAGR | -2.4% | -16.0% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Bogota Financial Corp. (BSBK) valuation, health, and returns.
Based on peer relative multiples, Bogota Financial Corp. appears Expensive versus peers compared to industry peers.
Bogota Financial Corp. has multiple valuation anchors: Peer Relative Fair Value: $6.45. A convergence of these signals offers higher conviction.
Bogota Financial Corp. displays fair financial health with a composite quality score of 42/100, supported by a Piotroski F-Score of 9/9, Return on Invested Capital (ROIC) of 0.6%.
Bogota Financial Corp. returns capital via buybacks instead of dividends, carrying a 1.0% buyback yield and reducing outstanding shares by -1.0% in the last 12 months.
Bogota Financial Corp.'s current growth trajectory is Accelerating. The company achieved +3.9% 1Y revenue growth and +200.0% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts, beating EPS expectations in 17% of recent quarters with a -9-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Bogota Financial Corp. include: -14.1% 1-year max drawdown. Volatility risk is characterized by a beta of 0.34x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.