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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. 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%
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 (above 35: high)
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Bogota Financial Corporation (BSBK) Latest News

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stockrow.com/BSBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com