Bogota Financial Corp. (BSBK) AI Stock Analysis

Bogota Financial Corp. is a bank holding company that oversees Bogota Savings Bank, which was established in 1893 and is headquartered in Teaneck, New Jersey. The bank provides banking products and services, including deposit accounts such as demand, savings, money market, and certificates of deposit. Its lending activities center on residential real estate loans, one-to-four-family residential mortgages, commercial real estate, multi-family loans, construction loans, and commercial and industrial loans. It also provides consumer lines of credit and home equity loans. The institution operates offices in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as a loan production office in Spring Lake.

Bogota Financial Corp. expanded revenue from $27.6M in FY2021 to $31.5M in FY2022, $38.4M in FY2023, and $43.1M in FY2024. In FY2025, revenue reached $44.8M, representing revenue growth of 3.9% and a five-year revenue CAGR of 12.9% from FY2020. Operating margin stood at 4.6% in FY2025, recovering from -5.9% in FY2024, while net income recovered to $2.1M from -$2.2M. Diluted earnings per share reached $0.17 in FY2025. Over the trailing twelve months, revenue was $18.0M with an operating margin of 20.7% and EPS of $0.22. In the latest quarter ended June 30, 2026, quarterly revenue grew 11.8% year-over-year, and quarterly earnings grew 237.0%.

As of June 30, 2026, Bogota Financial Corp. reported cash and short-term investments of $147.91B against total debt of $151.8M, resulting in net cash of $147.76B. Shareholders' equity was $142.0M, supporting total assets of $875.0M. The company's current ratio stood at 0.11, while its debt-to-equity ratio was 1.07. During FY2025, the bank generated operating cash flow of $3.20B and free cash flow of $3.20B. Capital expenditures totaled $70,369, and share buybacks were $1.1M, contributing to a 12.1% reduction in share count over 5 years.

At a last close of $9.13, Bogota Financial Corp. has a market capitalization of $116.5M and an enterprise value of $234.9M. The stock trades at a trailing price-to-earnings ratio of 41.5x, well above the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio is 6.5x compared to the peer median of 3.2x, while its price-to-book ratio is 0.8x. Over the past year, BSBK returned 3.6%, lagging the 16.8% return of the S&P 500 (SPY). Over five years, the stock returned -11.6% compared to 83.0% for the benchmark index.

Wall Street analysts have established a mean price target of $12.00 for Bogota Financial Corp., representing an upside of 31.4% from its last close of $9.13. Over the last four quarters, the bank exceeded consensus EPS estimates 2 times. The company is scheduled to report its next earnings results on November 2, 2026.

This page is an AI-written research summary of Bogota Financial Corp. (BSBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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