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Financial Services - Banks - Regional - NASDAQ - US
$ 7.0743
-0.507 %
$ 92.4 M
Market Cap
-40.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BSBK stock under the worst case scenario is HIDDEN Compared to the current market price of 7.07 USD, Bogota Financial Corp. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BSBK stock under the base case scenario is HIDDEN Compared to the current market price of 7.07 USD, Bogota Financial Corp. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one BSBK stock under the best case scenario is HIDDEN Compared to the current market price of 7.07 USD, Bogota Financial Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BSBK

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$8.4$8.4$8.2$8.2$8.0$8.0$7.8$7.8$7.6$7.6$7.4$7.4$7.2$7.2$7.0$7.0$6.8$6.8Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
11.9 M REVENUE
-26.15%
-1.16 M OPERATING INCOME
-240.99%
-2.17 M NET INCOME
-337.79%
0 OPERATING CASH FLOW
0.00%
10.1 M INVESTING CASH FLOW
-52.94%
0 FINANCING CASH FLOW
100.00%
3.14 M REVENUE
-71.36%
-157 K OPERATING INCOME
50.94%
-930 K NET INCOME
-153.43%
-1.04 M OPERATING CASH FLOW
-261.96%
50.4 M INVESTING CASH FLOW
5745.90%
-18.1 M FINANCING CASH FLOW
-639.87%
Balance Sheet Bogota Financial Corp.
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Current Assets 52.2 M
Cash & Short-Term Investments 52.2 M
Receivables 0
Other Current Assets 0
Non-Current Assets 919 M
Long-Term Investments 0
PP&E 15.5 M
Other Non-Current Assets 904 M
5.38 %93.03 %Total Assets$971.5m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 834 M
Long-Term Debt 143 M
Other Non-Current Liabilities 692 M
17.10 %82.90 %Total Liabilities$834.2m
EFFICIENCY
Earnings Waterfall Bogota Financial Corp.
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Revenue 11.9 M
Cost Of Revenue -148 K
Gross Profit 12 M
Operating Expenses 13.2 M
Operating Income -1.16 M
Other Expenses 1.01 M
Net Income -2.17 M
14m14m12m12m10m10m8m8m6m6m4m4m2m2m00(2m)(2m)(4m)(4m)12m148k12m(13m)(1m)(1m)(2m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
101.24% GROSS MARGIN
101.24%
-9.73% OPERATING MARGIN
-9.73%
-18.24% NET MARGIN
-18.24%
-1.58% ROE
-1.58%
-0.22% ROA
-0.22%
-0.10% ROIC
-0.10%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bogota Financial Corp.
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6m6m5m5m4m4m3m3m2m2m1m1m00(1m)(1m)(2m)(2m)(3m)(3m)(4m)(4m)(5m)(5m)2018201820192019202020202021202120222022202320232024202420252025
Net Income -2.17 M
Depreciation & Amortization 490 K
Capital Expenditures 0
Stock-Based Compensation 1.11 M
Change in Working Capital 0
Others -1.24 M
Free Cash Flow -3.15 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Bogota Financial Corp.
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BSBK has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Bogota Financial Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
31 K USD 1
6-9 MONTHS
10.1 K USD 2
9-12 MONTHS
7. News
Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2024 TEANECK, N.J., Feb. 14, 2025 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported a net loss for the three months ended December 31, 2024 of $930,000 or $0.07 per basic and diluted share, compared to a net loss of $1.2 million or $0.09 per basic and diluted share for the comparable prior year period. The Company reported a net loss for the year ended December 31, 2024 of $2.2 million or $0.17 per basic and diluted share compared to net income of $643,000, or $0.05 per basic and diluted share, for the prior year. globenewswire.com - 2 months ago
Bogota Financial Corp. Announces Sale-Leaseback Transaction and Balance Sheet Restructure TEANECK, N.J., Jan. 06, 2025 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), announced that the Bank completed a balance sheet restructuring consisting of two key transactions in the fourth quarter of 2024. The Bank entered into a sale-leaseback transaction whereby the Bank sold three of its branch offices resulting in a $9.0 million pre-tax gain. Subsequently, the Bank realized a pre-tax loss of $8.9 million on the sale of approximately $66.0 million in amortized cost ($57.1 million in market value) of available-for-sale and held-to-maturity (“HTM”) securities with a weighted average life of approximately 5.5 years and a weighted average yield of 1.89%.   A portion of the proceeds from the securities sales were reinvested into securities yielding approximately 5.49%. The remaining proceeds will be used to fund loans at current market rates ranging from 6.50% to 7.75%, as well as pay down higher cost borrowings, which will improve the net interest margin and the return on assets. As a result of the sales, the Bank is removing its HTM designation on any remaining HTM securities. globenewswire.com - 3 months ago
CORRECTION - Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024 Corrected TEANECK, N.J., Nov. 01, 2024 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company of Bogota Savings Bank (the “Bank”), after market close today issued a correction to its financial results for the three and nine months ended September 30, 2024 (the “Revised Earnings Release”), which was issued prior to market open on November 1, 2024 (the “Original Earnings Release”). Interest expense on deposits (and similarly total interest expense) for the three and nine months ended September 30, 2024 reported in the Original Earnings Release was understated by $300,000 due to a misstatement of the rates paid on certain certificates of deposit during the three months ended September 30, 2024. As a result, the Revised Earnings Release reflects the following changes: globenewswire.com - 6 months ago
Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024 TEANECK, N.J., Nov. 01, 2024 (GLOBE NEWSWIRE) -- Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported a net loss for the three months ended September 30, 2024 of $147,000, or $0.01 per basic and diluted share, compared to a net loss of $29,000, or $0.00 per basic and diluted share, for the comparable prior year period. The Company reported a net loss for the nine months ended September 30, 2024 of $1.0 million, or $0.08 per basic and diluted share, compared to net income of $1.8 million, or $0.14 per basic and diluted share, for the nine months ended September 30, 2023. globenewswire.com - 6 months ago
Bogota Financial Corp. Reports Results for the Three and Six Months Ended June 30, 2024 TEANECK, N.J., July 31, 2024 (GLOBE NEWSWIRE) --  Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported a net loss for the three months ended June 30, 2024 of $432,000, or $0.03 per basic and diluted share, compared to net income of $857,000, or $0.07 per basic and diluted share, for the comparable prior year period. globenewswire.com - 9 months ago
Bogota Financial Corp. Reports Results for the Three Months Ended March 31, 2024 TEANECK, N.J.--(BUSINESS WIRE)--Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported net loss for the three months ended March 31, 2024 of $441,000, or $0.03 per basic and diluted share, compared to net income of $993,000, or $0.08 per basic and diluted share, for the comparable prior year period. Other Financial Highlights: Total assets increased $21.9 million, or 2.3%, to $961.2 million at March 31, 2024 from $939.3 million. businesswire.com - 1 year ago
Bogota Financial Corp. Adopts and Receives Regulatory Approval of Fifth Repurchase Program TEANECK, N.J.--(BUSINESS WIRE)--Bogota Financial Corp. (the “Company”) (Nasdaq: BSBK), the holding company for Bogota Savings Bank (the “Bank”), announced that it has received regulatory approval for the repurchase of up to 237,090 shares of its common stock, which is approximately 5% of its outstanding common stock (excluding shares held by Bogota Financial, MHC), as previously approved by the board of directors of the Company. This is the Company's fifth stock repurchase program. Shares may b. businesswire.com - 1 year ago
Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2023 TEANECK, N.J.--(BUSINESS WIRE)--Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported net loss for the three months ended December 31, 2023 of $1.2 million or ($0.09) per basic and diluted share, compared to net income of $1.9 million or $0.14 per basic and diluted share for the comparable prior year period. The Company reported net income for the twelve months ended December 31, 2023 of $643,000 or $0.05 per basic and diluted. businesswire.com - 1 year ago
Bogota Financial Corp. Announces CEO Transition TEANECK, N.J.--(BUSINESS WIRE)--Bogota Financial Corp. (the “Company”) (Nasdaq: BSBK), the holding company for Bogota Savings Bank (the “Bank”), announced today that Joseph Coccaro is retiring as Director and President and Chief Executive Officer of Bogota Financial, MHC, the parent company of the Company (the “MHC”), the Company and the Bank, effective as of November 30, 2023. Mr. Coccaro, who is 66 years old, will continue to serve Bogota as an advisory director. Kevin Pace, Executive Vice Pr. businesswire.com - 1 year ago
Bogota Financial Corp. Reports Results for the Three and Six Months Ended June 30, 2023 TEANECK, N.J.--(BUSINESS WIRE)--Bogota Financial Corp. (NASDAQ: BSBK) (the “Company”), the holding company for Bogota Savings Bank (the “Bank”), reported net income for the three months ended June 30, 2023 of $857,000, or $0.07 per basic and diluted share, compared to net income of $1.6 million, or $0.12 per basic and diluted share, for the three months ended June 30, 2022. The Company reported net income for the six months ended June 30, 2023 of $1.8 million, or $0.14 per basic and diluted sha. businesswire.com - 1 year ago
Bogota Financial Corporation (BSBK) Lags Q4 Earnings and Revenue Estimates Bogota Financial Corporation (BSBK) delivered earnings and revenue surprises of -6.67% and 6.02%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock? zacks.com - 2 years ago
Is Bogota Financial (BSBK) Outperforming Other Finance Stocks This Year? Here is how Bogota Financial Corporation (BSBK) and Associated Banc-Corp (ASB) have performed compared to their sector so far this year. zacks.com - 2 years ago
8. Profile Summary

Bogota Financial Corp. BSBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 92.4 M
Dividend Yield 0.00%
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.
Contact 819 Teaneck Road, Teaneck, NJ, 07666 https://www.bogotasavingsbank.com
IPO Date Jan. 16, 2020
Employees 62
Officers Mr. James Brown Senior Vice President of Loan Sales Mr. Kevin Pace President, Chief Executive Officer & Director Mr. Susanne C. Hartmann-Silva Corporate Secretary Mr. Brian McCourt Executive Vice President & Chief Financial Officer Mr. Robert Walsh Executive Vice President & Chief Lending Officer