Bogota Financial (BSBK) AI Stock Analysis

• Market Cap: $89.98M
• Dividend Yield: N/A
• Average Volume (3M): 4.08K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.17
• Revenue Growth: -11.26%
• EPS Growth: -460.04%
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): -0.17
• Shares Outstanding: 13,059,175
• 10 Day Avg. Volume: 4,597
• 30 Day Avg. Volume: 4,075
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 8.36
• Price to Cash Flow (P/CF): -88.10
• P/FCF Ratio: 3.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Bogota Financial faces significant financial challenges, with declining revenues, net losses, and cash flow issues, which weigh heavily on the overall score. Technical analysis shows bearish trends and weak momentum, further impacting the score negatively. Valuation concerns are evident with a negative P/E ratio and no dividend yield. However, the recent positive corporate event offers some hope for improved strategic direction and financial management, slightly offsetting the negative aspects.

Bogota Financial Business Overview & Revenue Model

Company Description

Bogota Financial (BSBK) operates as a holding company for Bogota Savings Bank, providing a range of financial services primarily in the state of New Jersey. The company offers a variety of traditional banking products and services, including deposit accounts, mortgage loans, and consumer lending, catering to both individual and business clients. Its mission is to deliver high-quality financial solutions and personalized customer service to meet the diverse needs of its community.

How the Company Makes Money

Bogota Financial makes money primarily through the interest earned on loans and mortgages, which it provides to individuals and businesses. The company collects interest payments from its borrowers, which is a significant portion of its revenue. Additionally, it generates income from service charges on deposit accounts, such as maintenance fees and overdraft charges. The company also benefits from investment income, which includes earnings from securities and other financial instruments. Bogota Financial's revenue streams are supported by maintaining strong customer relationships and leveraging its local market presence. While its primary focus is on traditional banking services, strategic partnerships and community engagements play a role in enhancing its financial performance.

Bogota Financial Financial Statement Overview

Summary

Bogota Financial is facing significant challenges, particularly in revenue and profit generation. Declining revenues and net losses, coupled with increased leverage, are concerning. Cash flow issues further exacerbate the financial strain, indicating potential liquidity problems. While equity levels provide some stability, strategic adjustments are necessary to improve financial health.

Income Statement

The income statement shows a concerning decline in total revenue and net income in the most recent year. The gross profit margin remained at 100% due to the nature of the banking industry, but the net profit margin has turned negative due to a significant net loss. EBIT margin also shifted to negative, indicating operational challenges. The revenue growth rate is negative, reflecting a downturn from the previous year.

Balance Sheet

The balance sheet shows stability in stockholders' equity, but the debt-to-equity ratio has increased, indicating higher leverage. The equity ratio remains healthy, suggesting a decent buffer against liabilities. However, the increase in total debt could pose future risk if not managed well.

Cash Flow

The cash flow statement indicates difficulties, with operating cash flow and free cash flow both showing zeros in the most recent year, suggesting a sharp downturn. The free cash flow growth rate is negative, highlighting cash management issues. The absence of cash flow to net income ratios further supports concerns about cash flow sustainability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
12.05M	16.11M	31.47M	27.61M	24.38M
	Gross Profit
12.05M	16.11M	31.47M	27.61M	24.38M
	EBIT
-1.16M	480.38K	11.65M	8.05M	5.55M
	EBITDA
0.00	0.00	9.75M	0.00	0.00
	Net Income Common Stockholders
-2.17M	642.53K	6.88M	7.52M	2.07M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
52.23M	24.93M	101.94M	146.91M	92.26M
	Total Assets
971.49M	939.32M	951.10M	837.36M	740.94M
	Total Debt
142.67M	167.69M	161.32M	85.05M	104.29M
	Net Debt
90.44M	142.76M	144.48M	-20.02M	23.91M
	Total Liabilities
834.20M	802.15M	811.44M	85.05M	104.29M
	Stockholders Equity
137.29M	137.17M	139.66M	147.58M	128.47M
Cash Flow		Free Cash Flow
0.00	1.12M	4.38M	-4.28M	4.06M
	Operating Cash Flow
0.00	1.44M	9.62M	5.18M	5.80M
	Investing Cash Flow
0.00	21.52M	-209.48M	35.93M	-22.25M
	Financing Cash Flow
0.00	-14.87M	111.64M	―	-31.03M

Bogota Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 6.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSBK, the sentiment is Negative. The current price of 6.9 is below the 20-day moving average (MA) of 7.20, below the 50-day MA of 7.58, and below the 200-day MA of 7.71, indicating a bearish trend. The MACD of -0.18 indicates Negative momentum. The RSI at 40.70 is Neutral, neither overbought nor oversold. The STOCH value of 41.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSBK.

Bogota Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$90.07M	10.78	7.53%	1.49%	23.47%	10.77%
FGBI	72 Outperform	$126.67M	12.52	4.93%	2.61%	20.11%	29.00%
PROV	69 Neutral	$98.02M	16.18	4.82%	3.82%	7.55%	-20.61%
Sector *	63 Neutral	$12.33B	9.59	8.02%	79.26%	12.87%	-4.61%
WMPN	53 Neutral	$111.42M	―	-0.81%	1.05%	2.25%	-261.40%
FNWB	50 Neutral	$101.11M	―	-3.46%	2.75%	10.31%	-557.61%
BSBK	41 Neutral	$89.98M	―	-1.58%	―	-11.26%	-460.04%

Bogota Financial Corporate Events

Bogota Financial Announces New Board Appointment

On January 29, 2025, Bogota Financial Corp. announced the appointment of Peter T. Donnelly to its board of directors, effective March 26, 2025, with positions on the Audit and IT Committees. The same release from IF Bancorp, Inc. reported a significant increase in unaudited net income for the quarter and six months ending December 31, 2024, compared to the previous year, attributed to an increase in interest income and net interest margin recovery amidst a challenging deposit environment. The report highlighted the firm’s strategic financial management, including a steady loan portfolio and increased borrowings, despite a reduction in deposits due to tax distributions by a public entity.