Saturday 17 October 2026 Export BSBK’s income statement to Excel — free account

Bogota Financial Corporation

Bogota Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $44.8 million, up 3.90% from fiscal 2024. In the quarter to June 2026, revenue fell 5.42%, EPS grew 200.0%, free cash flow grew 11.8% and total debt fell 52.3%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

9.12 0.01 −0.11%

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Market cap: $116.5M
P/E: 43.4×
Fwd P/E: 29.2×
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.03

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	2	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 68.38%

Capital & Financial Ratios $m

Market Cap 116.51

Revenue 43.19

Net Income 2.59

Free Cash Flow 4.08

Net Debt 20.91

Current Ratio 0.99

Debt/Equity 0.36

P/E ratio 43.43

Fwd P/E 29.20

P/S ratio 2.64

P/B ratio 0.80

Past 5Y EPS Growth 0.00%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (100.00%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 59.46%

10-year low 10-year high

P/S against its own 10 years 44.66%

10-year low 10-year high

P/B against its own 10 years 56.14%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	25	52	36	30
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	744	768	688	671

	2023	2024	2025	Q'26
Payables	625	642	652	574
ST’ Debt	—	—	—	—
Other	—	—	—	—
	663	672	672	675

Compound Annual Growth %

	10y	5y	3y
Sales	—	12.93%	12.47%
Cash Flow	—	(11.21%)	(33.43%)
Earnings	—	0.22%	(32.76%)
Book Value	—	1.87%	0.30%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	11	10	—	—	—
’25	12	11	11	11	45
’24	10	11	11	11	43
’23	9	10	10	10	38
’22	7	7	8	9	31
’21	9	7	7	7	30
’20	6	7	6	6	24

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	2	—	—	—
’25	0	2	0	1	3
’24	(3)	2	0	(1)	(3)
’23	1	0	0	0	1
’22	8	(2)	3	2	11
’21	9	10	5	(18)	6
’20	2	2	1	1	6

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	2	—	—	—
’25	0	2	0	1	3
’24	(3)	1	0	11	9
’23	1	0	0	0	1
’22	8	(2)	3	2	11
’21	9	9	5	(18)	5
’20	2	2	0	0	4

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.06	0.06	—	—	—
’25	0.06	0.02	0.04	0.05	0.17
’24	(0.03)	(0.03)	(0.03)	(0.07)	(0.17)
’23	0.08	0.07	0.00	(0.09)	0.05
’22	0.10	0.12	0.14	0.14	0.51
’21	0.23	0.10	0.07	0.14	0.52
’20	(0.13)	0.11	0.08	0.08	0.17

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	6.07	8.75	9.95	6.66	6.40	6.59	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	11.97	11.10	11.55	11.75	8.66	9.50
People
People	Employees	—	—	48	—	45	75	63	70	65	57
	Revenue/emp, $m	0.00	0.00	0.29	0.00	0.54	0.39	0.50	0.55	0.66	0.79
Income, $m
Income, $m	Revenue	14	15	14	24	24	30	31	38	43	45
	Gross margin, %	0.00	0.00	0.00	49.45	60.30	80.41	76.90	41.94	27.61	38.50
	EBT	6	7	6	3	3	9	9	0	(3)	2
	EBT margin, %	44.32	44.97	39.93	13.84	10.28	31.78	30.16	1.25	(5.90)	4.63
	Net income	4	4	0	2	2	8	7	1	(2)	2
	Depreciation	—	—	—	1	1	0	0	1	1	1
Per share, $
Per share, $	Revenue	1.08	1.15	1.10	1.87	2.00	2.15	2.32	2.98	3.38	3.54
	Earnings	0.30	0.31	0.33	0.18	0.17	0.55	0.51	0.05	(0.17)	0.17
	Cash flow	0.00	0.45	0.33	0.20	0.48	0.43	0.80	0.11	(0.20)	0.25
	Capex	0.00	0.00	0.00	(0.01)	(0.14)	(0.11)	(0.02)	(0.02)	0.90	(0.01)
	Free cash flow	0.00	0.45	0.33	0.19	0.33	0.33	0.78	0.09	0.70	0.25
	Book value	5.09	5.40	5.73	5.93	10.56	10.75	10.29	10.64	10.75	11.15
	Shares, m	13	13	13	13	12	14	14	13	13	13
Valuation, ×
Valuation, ×	P/E	193.17	193.17	193.17	193.17	63.64	18.51	22.70	141.52	0.00	49.71
	P/S	0.00	0.00	0.00	0.00	4.45	4.73	4.89	2.74	2.22	2.38
	P/B	0.00	0.00	0.00	0.00	0.84	0.95	1.10	0.77	0.70	0.76
	EV/Sales	0.00	0.00	0.00	0.00	5.43	3.85	5.74	5.48	4.57	3.46
	EV/FCF	0.00	0.00	0.00	0.00	32.62	25.24	17.00	188.24	22.11	49.44
Cash, $m
Cash, $m	Operating cash flow	—	6	4	3	6	6	11	1	(3)	3
	Capex	—	0	(1)	0	(2)	(1)	0	0	11	0
	Free cash flow	—	6	4	2	4	5	11	1	9	3
Balance, $m
Balance, $m	Working capital	—	—	—	169	139	76	(21)	81	96	15
	Total debt	75	157	15	97	104	79	43	130	153	84
	Net debt	75	157	15	(31)	24	(26)	26	105	101	48
	Shareholders’ equity	64	68	72	75	128	148	140	137	137	141
Returns, %
Returns, %	ROA	0.60	0.62	1.29	0.34	0.27	0.95	0.77	0.07	(0.23)	0.22
	ROIC	0.00	0.00	0.00	4.64	1.03	5.03	3.57	0.12	(0.67)	0.69
	ROE	5.74	5.88	5.88	3.29	2.03	5.45	4.79	0.46	(1.58)	1.50

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BOTJ Bank of the James Financial Group, Inc.	$122.6M	10.6×	9.7×	+6.68% (above 0%: growing)	+18.33% (above 0%: growing)	−90.59% (below 0%: shrinking)	81.91%	0.00%	Compare
RVSB Riverview Bancorp Inc	$119.1M	— (loss-making)	17.7×	+6.30% (above 0%: growing)	+33.33% (above 0%: growing)	+342.43% (above 0%: growing)	75.12%	0.00%	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%	Compare
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%	Compare
SFBC Sound Financial Bancorp, Inc.	$111.8M	13.9×	—	+1.50% (above 0%: growing)	+22.50% (above 0%: growing)	+132.05% (above 0%: growing)	67.71%	0.00%	Compare
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
Median of peers	$112.9M	12.3×	11.4×	+7.58%	+25.77%	+60.05%	68.67%	0.00%

All 323 Banks Regional stocks →

Bogota Financial Corporation (BSBK) key facts

Strength: Bogota Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $44.8 million, up 3.90% from fiscal 2024.
Bogota Financial Corporation (BSBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BSBK traded at $9.12, a market capitalization of $116.5 million.
Return on equity was 1.50% and debt-to-equity 0.36.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.