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Upturn AI SWOT - About
BSBK 
Bogota Financial Corp (BSBK)
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Upturn Advisory Summary
09/12/2025: BSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
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 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
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 0.24 | 52 Weeks Range 6.59 - 9.50 | Updated Date 09/14/2025 |
52 Weeks Range 6.59 - 9.50 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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, as Bogota Savings Bank, began operations in 1893 in Bogota, New Jersey. It primarily focused on providing financial services to individuals and businesses within its local community. Over time, it expanded its services and geographic reach, evolving into a publicly traded company focused on community banking.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit (CDs). Provides personal loans, mortgages, and home equity lines of credit (HELOCs).
- Commercial Banking: Provides commercial real estate loans, business loans, and other credit products to small and medium-sized businesses. Offers treasury management services and other business banking solutions.
Leadership and Structure
The leadership team includes a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other senior executives responsible for overseeing various aspects of the business. The organizational structure consists of departments such as retail banking, commercial banking, lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a key product, primarily serving the local community. Market share data is limited to the local market and not readily available nationally. Competitors include larger national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as other regional and community banks.
- Commercial Real Estate Loans: Provides loans for commercial properties. Similar to mortgage loans, market share data is localized. Competitors include similar regional banks, credit unions, and larger financial institutions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and increased competition from both traditional and non-traditional financial institutions. The industry is also undergoing digital transformation with a growing emphasis on online and mobile banking services.
Positioning
Bogota Financial Corp is positioned as a community bank focusing on serving the financial needs of individuals and businesses in its local market. Its competitive advantage lies in its local presence, personalized service, and knowledge of the community.
Total Addressable Market (TAM)
The TAM for community banking in the regions they operate in is estimated to be in the billions of dollars. Bogota Financial Corp's positioning is in serving a small portion of this TAM by building relationships with local customers and companies.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Knowledge of local market
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Lower brand recognition
Opportunities
- Expand into new markets
- Increase online and mobile banking services
- Acquire smaller banks or credit unions
- Offer new products and services
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- Lakeland Financial Corporation (LKFN)
- Peapack-Gladstone Financial Corporation (PGC)
Competitive Landscape
Bogota Financial Corp faces competition from larger regional and national banks, as well as other community banks and credit unions. Its advantages include local presence and personalized service, while its disadvantages include smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Bogota Financial Corp's historical growth has likely been steady but modest, reflecting its community-focused business model.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and competition. Analyst estimates would be needed for a more accurate projection.
Recent Initiatives: Data on recent strategic initiatives is not available without specific sources.
Summary
Bogota Financial Corp is a community bank with a solid local presence. Its strengths lie in personalized customer service and a focus on the local market. However, its smaller size and limited geographic reach present challenges. Increased competition and changing economic conditions pose potential risks, but opportunities exist for expansion and innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (Limited Access)
- Industry Reports
- AI Analysis
Disclaimers:
The information provided is based on limited publicly available data and AI-based analysis. Financial data is estimated for illustrative purposes only. This analysis is not financial advice and should not be used as the sole basis for investment decisions.
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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