Bogota Financial Corp. (BSBK) | Investment Case

1. Company Snapshot

1.a. Company Description

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, 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 Full description

1.b. Last Insights on BSBK

Here is a 90-word analysis of the negative drivers behind Bogota Financial Corp.'s recent performance: The company's recent net loss of $930,000, or $0.07 per share, was driven by a pre-tax loss of $8.9 million on the sale of securities, partially offset by a $9.0 million pre-tax gain from a sale-leaseback transaction. The securities sale was part of a balance sheet restructuring effort, which will improve the net interest margin and return on assets in the long run. However, the near-term impact of these transactions has negatively affected earnings.

1.c. Company Highlights

Last Price	8.35
Change Percentage	0.00%
Open	8.26
Previous Close	8.35
Market Cap ( Millions)	106
Volume	5291
Year High	9.5
Year Low	6.59
M A 50	8.7
M A 200	8.1

FCF Yield	0.42%
Dividend Yield	0.00%
ROE	0.00%
Debt / Equity	0.09%
Net Debt / EBIDTA	-773422.46%
Price To Book	0.0
Price Earnings Ratio	219.86
Price To FCF	239.68
Price To sales	2.38
EV / EBITDA	-7648.43

2. Transcript Summary

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3. NewsRoom

Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2025

Nov -03

Source: globenewswire.com

Bogota Financial Corp. Adopts and Receives Regulatory Approval of Sixth Repurchase Program

Aug -12

Source: globenewswire.com

Bogota Financial (BSBK) Q2 Profit Up

Aug -02

Source: fool.com

Bogota Financial Corp. Reports Results for the Three Months Ended March 31, 2025

Apr -30

Source: globenewswire.com

Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2024

Feb -14

Source: globenewswire.com

Bogota Financial Corp. Announces Sale-Leaseback Transaction and Balance Sheet Restructure

Jan -06

Source: globenewswire.com

CORRECTION - Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024 Corrected

Nov -02

Source: globenewswire.com

Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024

Nov -01

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.83%)

6. Segments

Banking and Related Activities

Expected Growth: 5.83%

Bogota Financial Corp's 5.83% growth in Banking and Related Activities is driven by increasing demand for credit and loan services, strategic expansion into new markets, and effective cost management. Additionally, the corporation's investments in digital transformation and customer experience have improved operational efficiency and attracted new customers, contributing to the segment's growth.

7. Detailed Products

Commercial Loans

Bogota Financial Corp. offers commercial loans to businesses of all sizes, providing financing for various business needs such as expansion, equipment purchases, and working capital.

Mortgage Loans

Bogota Financial Corp. offers mortgage loans to individuals and families, providing financing for home purchases, refinancing, and home equity loans.

Credit Cards

Bogota Financial Corp. offers a range of credit cards with competitive interest rates, rewards programs, and benefits such as cashback, travel insurance, and purchase protection.

Savings Accounts

Bogota Financial Corp. offers a range of savings accounts with competitive interest rates, low fees, and convenient online banking services.

Investment Services

Bogota Financial Corp. offers investment services, including brokerage accounts, retirement accounts, and wealth management services.

Insurance Services

Bogota Financial Corp. offers insurance services, including life insurance, disability insurance, and long-term care insurance.

8. Bogota Financial Corp.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bogota Financial Corp. operates in a highly competitive market, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.

Bargaining Power Of Customers

Bogota Financial Corp.'s customers have a high bargaining power due to the availability of alternative financial services and products.

Bargaining Power Of Suppliers

Bogota Financial Corp. has a diversified supplier base, which reduces the bargaining power of individual suppliers.

Threat Of New Entrants

The threat of new entrants is moderate due to the regulatory barriers and capital requirements to enter the financial services market.

Intensity Of Rivalry

The financial services market is highly competitive, with many established players, which increases the intensity of rivalry.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	55.00%
Debt Cost	3.95%
Equity Weight	45.00%
Equity Cost	6.57%
WACC	5.13%
Leverage	122.25%

11. Quality Control: Bogota Financial Corp. passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

CapFed

A-Score: 5.7/10

Value: 5.2

Growth: 0.8

Quality: 5.0

Yield: 9.0

Momentum: 6.5

Volatility: 7.7

1-Year Total Return ->

Oconee Federal

A-Score: 5.0/10

Value: 5.1

Growth: 4.2

Quality: 5.6

Yield: 5.0

Momentum: 2.5

Volatility: 7.7

1-Year Total Return ->

Rhinebeck Bancorp

A-Score: 4.7/10

Value: 7.5

Growth: 1.7

Quality: 3.5

Yield: 0.0

Momentum: 8.5

Volatility: 7.0

1-Year Total Return ->

Broadway Financial

A-Score: 4.5/10

Value: 5.2

Growth: 5.3

Quality: 4.7

Yield: 0.0

Momentum: 7.5

Volatility: 4.3

1-Year Total Return ->

Bogota Financial

A-Score: 4.2/10

Value: 4.4

Growth: 2.1

Quality: 2.6

Yield: 0.0

Momentum: 8.0

Volatility: 8.0

1-Year Total Return ->

Blue Ridge Bankshares

A-Score: 4.1/10

Value: 2.6

Growth: 1.4

Quality: 4.2

Yield: 2.0

Momentum: 9.0

Volatility: 5.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

43.70%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

5.13%

Bogota Financial Corp. - US0972351052

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on BSBK

1.c. Company Highlights

Weak Momentum

Lower Yield

Average Quality

Revenues Miss

Lower Quality

Revenues Beats

Stable Momentum

Earnings Miss

Cheaper

Lower Growth

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.83%)

6. Segments

Banking and Related Activities

Expected Growth: 5.83%

7. Detailed Products

Commercial Loans

Mortgage Loans

Credit Cards

Savings Accounts

Investment Services

Insurance Services

8. Bogota Financial Corp.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Bogota Financial Corp. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

8.35$

Current Price

8.35$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA