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Bogota Financial Corporation

BSBK Financial Banks Regional

Bogota Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $44.8 million, up 3.90% from fiscal 2024.

Revenue
−5.42%
EPS
+200.0%
Free cash flow
+11.8%
Total debt
−52.3%

Quarter to June 2026, against a year earlier

9.38 0.02 −0.21%
Market cap
$119.9M
P/E
44.8×
Fwd P/E
29.2×
Dividend yield
—
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.03
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 2 — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 68.38%

Capital & Financial Ratios $m

Size
Market Cap 119.93
Revenue ttm 43.19
Net income ttm 2.59
Free cash flow ttm 4.08
Net debt Q 20.91
Valuation
P/E 44.76 (above 35: high)
Forward P/E 29.20
Price / sales 2.72
Forward P/S Powerpack
Price / FCF 28.75
Price / book 0.83
Financial health
Current ratio Q 0.99
Debt / equity Q 0.36
Interest coverage Q —
Growth
Revenue growth Q −5.42% (below 0%: shrinking)
Operating income growth Q +392.55% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A −100.00% (below 0%: weak)
EPS, past 5 yrs 0.00%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 61.56%
10-year low 10-year high
P/S against its own 10 years 48.22%
10-year low 10-year high
P/B against its own 10 years 60.66%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

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%

Earnings Trends EPS, adjusted, against the consensus

Q4 FY22 Estimate 0.15 Actual 0.14

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY22 0.08 0.10 Beat by 0.02
Q2 FY22 0.12 0.12 Met by 0.00
Q3 FY22 0.15 0.14 Miss by 0.01
Q4 FY22 0.15 0.14 Miss by 0.01

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 14 15 14 24 24 30 31 38 43 45 43 +14.1% — — — —
Gross margin, % 0.00 0.00 0.00 49.45 60.30 80.41 76.90 41.94 27.61 38.50 41.63 +38.5 pt
EBT 6 7 6 3 3 9 9 0 (3) 2 3 (11.2%)
EBT margin, % 44.32 44.97 39.93 13.84 10.28 31.78 30.16 1.25 (5.90) 4.63 6.86 (39.7) pt
Net income 4 4 0 2 2 8 7 1 (2) 2 3 (6.4%)
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 3.46 +14.1%
Earnings 0.30 0.31 0.33 0.18 0.17 0.55 0.51 0.05 (0.17) 0.17 0.21 (6.1%)
Cash flow 0.00 0.45 0.33 0.20 0.48 0.43 0.80 0.11 (0.20) 0.25 0.35 n/m
Capex 0.00 0.00 0.00 (0.01) (0.14) (0.11) (0.02) (0.02) 0.90 (0.01) (0.02) n/m
Free cash flow 0.00 0.45 0.33 0.19 0.33 0.33 0.78 0.09 0.70 0.25 0.33 n/m
Book value 5.09 5.48 5.73 5.93 10.56 10.75 10.29 10.64 10.75 11.15 11.36 +9.1%
Shares, m 13 13 13 13 12 14 14 13 13 13 13 0.0%
Valuation, ×
Valuation, × P/E 193.17 193.17 193.17 193.17 63.64 18.51 22.70 141.52 0.00 49.71 44.76 106.9
P/S 0.00 0.00 0.00 0.00 4.45 4.73 4.89 2.74 2.22 2.38 2.72 2.1
P/B 0.00 0.00 0.00 0.00 0.84 0.95 1.10 0.77 0.70 0.76 0.83 0.5
EV/Sales 0.00 0.00 0.00 0.00 5.43 3.85 5.74 5.48 4.57 3.46 — 2.9
EV/FCF 0.00 0.00 0.00 0.00 32.62 25.24 17.00 188.24 22.11 49.44 — 33.5
Cash, $m
Cash, $m Operating cash flow — 6 4 3 6 6 11 1 (3) 3 4 (7.0%)
Capex — 0 (1) 0 (2) (1) 0 0 11 0 0 (7.1%)
Free cash flow — 6 4 2 4 5 11 1 9 3 4 (7.3%)
Balance, $m
Balance, $m Working capital — — — 169 139 76 (21) 81 96 15 (4) (33.2%)
Net debt 75 157 15 (31) 24 (26) 26 105 101 48 21 (4.7%)
Shareholders’ equity 64 69 72 75 128 148 140 137 137 141 142 +9.1%
Returns, %
Returns, % ROA 0.60 0.62 1.29 0.34 0.27 0.95 0.77 0.07 (0.23) 0.22 0.29 (0.4) pt
ROIC 0.00 0.00 0.00 4.64 1.03 5.03 3.57 0.12 (0.67) 0.69 1.14 +0.7 pt
ROE 5.74 5.88 5.88 3.29 2.03 5.45 4.79 0.46 (1.58) 1.50 1.85 (4.2) pt
People
People Employees — — 48 — 45 75 63 70 65 57 — +2.5%
Revenue/emp, $m 0.00 0.00 0.29 0.00 0.54 0.39 0.50 0.55 0.66 0.79 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Bogota Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WSBK Winchester Bancorp, Inc. $122.3M 26.3× — +22.45% (above 0%: growing) +27.27% (above 0%: growing) +27.84% (above 0%: growing) 52.35% 0.00% Compare
RVSB Riverview Bancorp Inc $120.8M — (loss-making) 20.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $119.9M 44.8× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00%
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.6× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.5× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $112.6M 12.0× 12.1× +7.58% +27.27% +60.05% 68.67% 0.00%

All 327 Banks Regional stocks →

Bogota Financial Corporation (BSBK) Latest News

30 Oct

Impact 3 · · GlobeNewswire

30 Jul

Impact 3 ·

1 Jun

Impact 4 · · GlobeNewswire

6 May

Impact 4 · · GlobeNewswire

13 Feb

Impact 3 · · GlobeNewswire

25 Jan

Impact 3 · · Simply Wall St.Simply Wall St.

5 Nov

Impact 3 · · Simply Wall St.
Impact 3 · · GuruFocus.com

3 Nov

Impact 4 · · Simply Wall St.
Impact 3 · · GlobeNewswire

20 Aug

Impact 3 ·

12 Aug

Impact 3 ·

31 Jul

Impact 3 ·
Impact 3 · · GlobeNewswire

24 Jul

Impact 3 ·

30 Apr

Impact 3 · · GlobeNewswire
Impact 3 · · Business Wire

23 Jan

Impact 3 · · Simply Wall St.

6 Jan

Impact 3 ·

1 Nov

Impact 3 · · GlobeNewswire
Impact 3 · · GlobeNewswire
Impact 3 · · Business Wire

4 Aug

Impact 3 · · Simply Wall St.

24 Apr

Impact 3 · · Business Wire

9 Feb

Impact 4 · · Simply Wall St.

6 Feb

Impact 3 · · Business Wire

29 Nov

Impact 4 · · Business Wire

28 Jul

Impact 3 · · Business Wire

24 May

Impact 3 · · Business Wire

28 Apr

Impact 3 · · Business Wire
stockrow.com/BSBK · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com