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Bogota Financial Corp (BSBK)



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Upturn Advisory Summary
08/28/2025: BSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $12
1 Year Target Price $12
0 | Strong Buy |
0 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.26% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 116.53M USD | Price to earnings Ratio - | 1Y Target Price 12 |
Price to earnings Ratio - | 1Y Target Price 12 | ||
Volume (30-day avg) 1 | Beta 0.18 | 52 Weeks Range 6.59 - 9.48 | Updated Date 08/28/2025 |
52 Weeks Range 6.59 - 9.48 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
Earnings Date
Report Date 2025-07-31 | When - | Estimate - | Actual 0.02 |
Profitability
Profit Margin -2.32% | Operating Margin (TTM) 6.85% |
Management Effectiveness
Return on Assets (TTM) -0.04% | Return on Equity (TTM) -0.25% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 242892912 | Price to Sales(TTM) 7.92 |
Enterprise Value 242892912 | Price to Sales(TTM) 7.92 | ||
Enterprise Value to Revenue 18.25 | Enterprise Value to EBITDA - | Shares Outstanding 12638700 | Shares Floating 3789088 |
Shares Outstanding 12638700 | Shares Floating 3789088 | ||
Percent Insiders 68.03 | Percent Institutions 7.8 |
Upturn AI SWOT
Bogota Financial Corp

Company Overview
History and Background
Bogota Financial Corp, founded in 1893, operates as the holding company for Bogota Savings Bank, a community-oriented financial institution. Initially focused on serving the local community of Bogota, New Jersey, it has gradually expanded its services and reach while maintaining its commitment to personalized customer service and community involvement.
Core Business Areas
- Retail Banking: Offers a range of deposit products, including checking accounts, savings accounts, and certificates of deposit, catering to individual and small business customers.
- Residential Lending: Provides mortgage loans for the purchase, refinance, or construction of residential properties, primarily within its local market area.
- Commercial Lending: Offers commercial real estate loans and business loans to support the growth and development of local businesses.
- Wealth Management: Provides wealth management services through a third-party relationship with LPL Financial.
Leadership and Structure
The leadership team consists of Joseph V. Simunovich (Chairman, President, and CEO), and other senior executives overseeing various departments. The organizational structure is typical of a community bank, with distinct divisions for retail banking, lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offerings include fixed-rate and adjustable-rate mortgages. Market share information for Bogota Financial Corp specifically is not readily available; it competes with larger national and regional banks like Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC), as well as other local banks and credit unions. It benefits from local presence and established community connections.
- Commercial Real Estate Loans: Provide financing for commercial properties. Market share data is similarly unavailable. Competitors include larger banks and specialty finance companies. It competes based on local expertise and relationships.
- Deposit Accounts: Offerings include checking, savings, and money market accounts. Competitors include local and national banks. The banku2019s success comes from its reputation and established relationships within its market area.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, technological advancements, and evolving customer preferences. Community banks face pressure to compete with larger institutions while maintaining their focus on local communities.
Positioning
Bogota Financial Corp is positioned as a community-focused bank providing personalized service to local customers. Its competitive advantages include its deep understanding of the local market and its commitment to building long-term relationships.
Total Addressable Market (TAM)
TAM for community banking is substantial (hundreds of billions USD nationally), but highly fragmented. Bogota Financial Corp's position is hyper-local, focusing on capturing share within its specific geographic footprint in New Jersey.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking channels
- Lower brand recognition outside its core market
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller institutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
Competitive Landscape
Bogota Financial Corp faces significant competition from larger national banks with greater resources and wider service offerings. Its advantage lies in its local presence and personalized service, which allows it to build stronger relationships with customers in its market area. However, they need to be competitive on rates and be open to technological advancements.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be determined by analyzing past financial statements.
Future Projections: Future growth projections depend on analyst estimates.
Recent Initiatives: Recent initiatives can be determined by analyzing investor calls and financial statements.
Summary
Bogota Financial Corp is a community-focused bank with a strong local presence, leveraging customer relationships. The smaller scale compared to larger banks, and limited geographic reach, constrains rapid growth. Capitalizing on digital banking and expansion opportunities could boost performance. Increased competition is a considerable threat to watch.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial News Articles
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share estimates are approximate and may vary. Financial metrics and projections should be verified with official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bogota Financial Corp
Exchange NASDAQ | Headquaters Teaneck, NJ, United States | ||
IPO Launch date 2020-01-16 | President, CEO & Director Mr. Kevin Pace | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 62 | |
Full time employees 62 |
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; consumer loans, such as lines of credit; commercial and industrial loans; and construction loans, as well as buys, sells, and holds investment securities. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. is a subsidiary of Bogota Financial, MHC.

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