A Business at a Glance
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Bogota Financial Corp.
BSBK
$111M
Mkt Cap
$9.04
+1.23%
Bogota Financial Corp. (BSBK) has a current P/E ratio of 226.0, compared to its historical median P/E of 22.2. The stock is currently considered Expensive based on its historical valuation range.
Bogota Financial Corp. (BSBK) has a 5-year average return on invested capital (ROIC) of 2.1%. This is below average and may indicate limited pricing power.
Bogota Financial Corp. (BSBK) has a market capitalization of $111M. It is classified as a small-cap stock.
Bogota Financial Corp. (BSBK) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 1.01%.
Based on historical P/E analysis, Bogota Financial Corp. (BSBK) appears expensive. The current P/E of 226.0 is 916% above its historical median of 22.2. The estimated fair value CAGR (P/E method) is -13.0%.
Bogota Financial Corp. (BSBK) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
Bogota Financial Corp. (BSBK) reported annual revenue of $45 million in its most recent fiscal year, based on SEC EDGAR filings.
Bogota Financial Corp. Bogota Financial Corp. is a Maryland corporation that was formed in September 2019 to be the bank holding company of Bogota Savings Bank as part of the mutual holding company reorganization of Bogota Savings Bank. Other than holding the common stock of Bogota Savings Bank, and making a loan to the employee stock ownership plan of Bogota Savings Bank, Bogota Financial Corp. does not engage in any other business activities. Bogota Financial Corp.’s executive offices are located at 819 Teaneck Road, Teaneck, New Jersey 07666, and its telephone number is (201) 862-0660. Bogota Financial Corp. completed its stock offering in connection with the mutual holding company reorganization of Bogota Savings Bank on January 15, 2020. The Company sold 5,657,735 shares of common stock at $10.00 per share for gross proceeds of $56.6 million.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 45M | 45M | 43M | 38M | 31M | 30M |
| Net Income | 2.1M | 2.1M | -2.2M | 643K | 6.9M | 7.5M |
| EPS | $0.17 | $0.17 | $-0.17 | $0.05 | $0.51 | $0.54 |
| Free Cash Flow | 3.1M | 3.1M | -3.2M | 1.1M | 11M | 4.5M |
| ROIC | 2.0% | 1.5% | -1.6% | 0.5% | 4.8% | 5.4% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 5.42 | 6.08 | 5.85 | 5.81 | 4.67 |
| Dividends/Share | $0.00 | $0.00 | - | - | - | - |
| Operating Income | 2.1M | 2.1M | -2.5M | 480K | 9.5M | 9.4M |
| Operating Margin | 4.6% | 4.6% | -5.9% | 1.3% | 30.2% | 31.8% |
| ROE | 1.5% | 1.5% | -1.6% | 0.5% | 4.8% | 5.4% |
| Shares Outstanding | 12M | 12M | 13M | 13M | 13M | 14M |
| Metric | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 23M | 24M | 24M | 30M | 31M | 38M | 43M | 45M | 45M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 4.5M | 4.9M | 5.1M | 7.7M | 8.7M | 9.8M | 8.8M | 8.5M | 8.5M |
| EBIT | 5.5M | 3.3M | 2.5M | 9.4M | 9.5M | 480K | -2.5M | 2.1M | 2.1M |
| Op. Margin | 24.5% | 13.8% | 10.3% | 31.8% | 30.2% | 1.3% | -5.9% | 4.6% | 4.6% |
| Net Income | 4.1M | 2.4M | 2.1M | 7.5M | 6.9M | 643K | -2.2M | 2.1M | 2.1M |
| Net Margin | 18.3% | 10.3% | 8.5% | 25.4% | 21.9% | 1.7% | -5.0% | 4.7% | 4.7% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 9.0M | 6K | 6K |
| Returns on Capital | |||||||||
| ROIC | 5.9% | 3.3% | 2.0% | 5.4% | 4.8% | 0.5% | -1.6% | 1.5% | 2.0% |
| ROE | 5.9% | 3.3% | 2.0% | 5.4% | 4.8% | 0.5% | -1.6% | 1.5% | 1.5% |
| ROA | 0.6% | 0.3% | 0.3% | 1.0% | 0.8% | 0.1% | -0.2% | 0.2% | 0.2% |
| Cash Flow | |||||||||
| Op. Cash Flow | 4.2M | 2.6M | 5.8M | 6.0M | 11M | 1.4M | -2.6M | 3.2M | 3.2M |
| Free Cash Flow | 3.7M | 2.4M | 4.1M | 4.5M | 11M | 1.1M | -3.2M | 3.1M | 3.1M |
| Owner Earnings | 3.9M | 2.3M | 5.5M | 5.2M | 9.4M | -10K | -4.0M | 1.9M | 1.9M |
| CapEx | 524K | 159K | 1.7M | 1.5M | 241K | 318K | 595K | 70K | 70K |
| Maint. CapEx | 313K | 296K | 273K | 417K | 554K | 515K | 497K | 398K | 398K |
| Growth CapEx | 211K | 0 | 1.5M | 1.0M | 0 | 0 | 98K | 0 | 0 |
| D&A | 313K | 296K | 273K | 417K | 554K | 515K | 497K | 398K | 398K |
| CapEx/OCF | N/A | N/A | 30.1% | 24.4% | 2.2% | 22.1% | N/A | N/A | 2.2% |
| Capital Allocation | |||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 481K | 10M | 3.8M | 1.7M | 1.1M | 1.1M |
| Buyback Yield | N/A | N/A | N/A | 0.3% | 6.6% | 3.7% | 1.8% | 0.0% | 1.0% |
| Stock-Based Comp | N/A | N/A | 0 | 311K | 933K | 933K | 921K | 897K | 897K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -36M |
| Cash & Equiv. | 25M | 103M | -47M | 105M | -88M | 25M | 52M | 36M | 36M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 8.18 | 9.22 | 4.77 | 4.67 | 5.81 | 5.85 | 6.08 | 5.42 | 0.00 |
| Interest Coverage | 1.6 | 1.3 | 1.3 | 2.6 | 2.3 | 1.0 | 0.9 | 0.0 | 0.1 |
| Equity | 72M | 75M | 128M | 148M | 140M | 137M | 137M | 141M | 141M |
| Total Assets | 665M | 767M | 741M | 837M | 951M | 939M | 971M | 905M | 905M |
| Total Liabilities | 593M | 692M | 612M | 690M | 811M | 802M | 834M | 764M | 764M |
| Intangibles | N/A | N/A | N/A | 336K | 267K | 206K | 153K | 108K | 108K |
| Retained Earnings | 73M | 75M | 77M | 85M | 92M | 92M | 90M | 92M | 92M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||
| EPS | N/A | N/A | 0.17 | 0.54 | 0.51 | 0.05 | -0.17 | 0.17 | 0.17 |
| Owner EPS | N/A | N/A | 0.45 | 0.38 | 0.69 | -0.00 | -0.31 | 0.16 | 0.16 |
| Book Value | N/A | N/A | 10.56 | 10.60 | 10.36 | 10.67 | 10.75 | 11.46 | 11.46 |
| Cash Flow/Share | N/A | N/A | 0.48 | 0.43 | 0.81 | 0.11 | -0.20 | 0.26 | 0.20 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | N/A | N/A | 12.2M | 13.9M | 13.5M | 12.9M | 12.8M | 12.3M | 12.3M |
| Valuation | |||||||||
| P/E Ratio | N/A | N/A | 53.6 | 18.9 | 22.2 | 160.8 | N/A | N/A | 53.2 |
| P/FCF | N/A | N/A | 27.3 | 31.6 | 14.4 | 92.3 | N/A | N/A | 35.5 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36.5 |
| Price/Book | N/A | N/A | 0.9 | 1.0 | 1.1 | 0.8 | 0.7 | N/A | 0.8 |
| Price/Sales | N/A | N/A | 7.1 | 5.9 | 6.1 | 7.0 | 8.0 | N/A | 2.5 |
| FCF Yield | N/A | N/A | 3.7% | 3.2% | 6.9% | 1.1% | -3.3% | N/A | 2.8% |
| Market Cap | N/A | N/A | 111M | 142M | 153M | 103M | 97M | 0 | 111M |
| Avg. Price | N/A | N/A | 8.55 | 10.02 | 10.88 | 8.74 | 7.49 | 0.00 | 9.04 |
| Year-End Price | N/A | N/A | 9.11 | 10.22 | 11.34 | 8.04 | 7.57 | 0.00 | 9.04 |
Bogota Financial Corp. passes 0 of 9 quality checks, indicating weak fundamentals.
Bogota Financial Corp. trades at 226.0x trailing earnings, compared to its 15-year median P/E of 22.2x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 111.5x vs a median of 29.5x. The company's 5-year average ROIC is 2.1%. Total shareholder yield (buybacks) is 1.0%. At current prices, the estimated annualized return to fair value is -15.4%.
Bogota Financial Corp. (BSBK) has a net profit margin of 4.7%. This is a modest margin.
Bogota Financial Corp. (BSBK) generated $3 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Bogota Financial Corp. (BSBK) has a debt-to-equity ratio of 5.42. This indicates higher leverage, which may increase financial risk.
Bogota Financial Corp. (BSBK) reported earnings per share (EPS) of $0.17 in its most recent fiscal year.
Bogota Financial Corp. (BSBK) has a return on equity (ROE) of 1.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 8 years of financial data for Bogota Financial Corp. (BSBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Bogota Financial Corp. (BSBK) has a book value per share of $11.46, based on its most recent annual SEC filing.
No recent items.