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Bogota Financial Corp. logo

Bogota Financial Corp.

BSBK

NASDAQFinancial ServicesBanks - Regional

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Previous close

$9.22

−$0.2099 · -2.23%

Aug 21, 4:00 PM ET

BSBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

55

Fair Value

Momentum

44

Neutral

Sentiment

58

Mixed

Risk resilience

78

Moderate Risk

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Company profile

Company website

Bogota 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; consumer loans, such as lines of credit; commercial and industrial loans; and construction loans, as well as buys, sells, and holds investment securities. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. is a subsidiary of Bogota Financial, MHC.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Kevin Pace
Listed since
Jan 16, 2020
Employees
56

Market position

Day range

Current $9.22

52-week range

Current $9.22

Open
$9.21
Previous close
$9.4299
Volume
16.31K
1.22× average
Average volume
13.39K
Average daily volume
Market cap
118.52M USD
Beta
0.14
Market reference 1
50-day average
$9.0566
+1.80% above average
200-day average
$8.6083
+7.11% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
174.9M USD
P/E (TTM)
43.9×
P/B (TTM)
0.81×
P/S (TTM)
2.74×
EV / EBITDA
70.78×
Earnings yield
1.96%
Free cash flow yield
3001.02%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
41.71%
Operating margin
6.85%
Net margin
5.99%
Return on equity
1.48%
Return on assets
0.23%
Return on invested capital
0.23%

Financial health

Debt / equity
1.07×
Current ratio
1.31×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends88%54%20%-14%Gross margin, FY2021: 79.35%Gross margin, FY2022: 75.55%Gross margin, FY2023: 42.26%Gross margin, FY2024: 27.95%Gross margin, FY2025: 38.79%Operating margin, FY2021: 34.03%Operating margin, FY2022: 30.16%Operating margin, FY2023: 1.25%Operating margin, FY2024: -5.90%Operating margin, FY2025: 4.63%Net margin, FY2021: 27.24%Net margin, FY2022: 21.85%Net margin, FY2023: 1.67%Net margin, FY2024: -5.04%Net margin, FY2025: 4.67%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 79.35%. Gross margin FY2022 75.55%. Gross margin FY2023 42.26%. Gross margin FY2024 27.95%. Gross margin FY2025 38.79%. Operating margin FY2021 34.03%. Operating margin FY2022 30.16%. Operating margin FY2023 1.25%. Operating margin FY2024 -5.90%. Operating margin FY2025 4.63%. Net margin FY2021 27.24%. Net margin FY2022 21.85%. Net margin FY2023 1.67%. Net margin FY2024 -5.04%. Net margin FY2025 4.67%.

Income trends

Revenue

44.78M USD+3.90%

Operating income

2.07M USD+4.61M USD

Net income

2.09M USD+4.26M USD
Income trends across reported periods49.51M USD30.58M USD11.65M USD−7.27M USDRevenue, FY2021: 27.61M USDRevenue, FY2022: 31.47M USDRevenue, FY2023: 38.42M USDRevenue, FY2024: 43.1M USDRevenue, FY2025: 44.78M USDOperating income, FY2021: 9.4M USDOperating income, FY2022: 9.49M USDOperating income, FY2023: 480.38K USDOperating income, FY2024: −2.54M USDOperating income, FY2025: 2.07M USDNet income, FY2021: 7.52M USDNet income, FY2022: 6.88M USDNet income, FY2023: 642.54K USDNet income, FY2024: −2.17M USDNet income, FY2025: 2.09M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 27.61M USD. Revenue FY2022 31.47M USD. Revenue FY2023 38.42M USD. Revenue FY2024 43.1M USD. Revenue FY2025 44.78M USD. Operating income FY2021 9.4M USD. Operating income FY2022 9.49M USD. Operating income FY2023 480.38K USD. Operating income FY2024 −2.54M USD. Operating income FY2025 2.07M USD. Net income FY2021 7.52M USD. Net income FY2022 6.88M USD. Net income FY2023 642.54K USD. Net income FY2024 −2.17M USD. Net income FY2025 2.09M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue44.78M USD43.1M USD38.42M USD31.47M USD27.61M USD
Cost of goods sold27.41M USD31.05M USD22.18M USD7.69M USD5.7M USD
Gross profit17.37M USD12.05M USD16.24M USD23.78M USD21.91M USD
Selling, general, and administrative1.23B USD10.17M USD11.32M USD10.23M USD9.11M USD
Operating expenses15.3M USD14.59M USD15.76M USD14.29M USD12.51M USD
Interest income43.01M USD41.75M USD37.28M USD30.35M USD25.07M USD
Interest expense27.54M USD31.2M USD22.31M USD7.27M USD5.79M USD
Depreciation and amortization398.47K USD489.7K USD458.4K USD255.4K USD−342.1K USD
Operating income2.07M USD−2.54M USD480.38K USD9.49M USD9.4M USD
Net income2.09M USD−2.17M USD642.54K USD6.88M USD7.52M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
0%
0 beats, 7 misses, 0 met estimates
Average EPS surprise
-121.43%
7 comparable reports
Latest EPS result
0.06
Estimate 0.09 · Miss by 33.33%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.130.05-0.03-0.11Q1 '25MissQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26MissQ2 '26No estimateQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual -0.07, estimate 0.09, surprise -177.78%, Miss. Q2 2025, reported Apr 30, 2025: actual 0.06, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 0.02, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 3, 2025: actual 0.04, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 0.05, estimate 0.09, surprise -44.44%, Miss. Q2 2026, reported May 6, 2026: actual 0.06, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 0.06, estimate 0.09, surprise -33.33%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.09, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates12.5M9.25M5.99M2.74MQ1 '25MissQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26No estimateQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 3.22M USD, estimate 5.4M USD, surprise -40.36%, Miss. Q2 2025, reported Apr 30, 2025: actual 11.81M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 10.84M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 3, 2025: actual 10.95M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 11.24M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 6, 2026: actual 10.81M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 10.25M USD, estimate 4.5M USD, surprise +127.75%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 4.51M USD, surprise —, Comparison unavailable.

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ETFs holding BSBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
1.25M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
362.14K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
138.3K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Core Equity 1 ETF logoDimensional - US Core Equity 1 ETFDCOR
Market value
3.54K
Weight
0.00%
AUM
3.51B USD
Expense ratio
0.14%
Price / 1D
$84.54+0.42%

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