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Upturn AI SWOT - About
BSBK 
Bogota Financial Corp (BSBK)
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Upturn Advisory Summary
06/11/2025: 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 -6.87% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 101.82M USD | Price to earnings Ratio - | 1Y Target Price 12 |
Price to earnings Ratio - | 1Y Target Price 12 | ||
Volume (30-day avg) 1 | Beta 0.11 | 52 Weeks Range 6.49 - 8.66 | Updated Date 06/30/2025 |
52 Weeks Range 6.49 - 8.66 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.29% | Operating Margin (TTM) 17.74% |
Management Effectiveness
Return on Assets (TTM) -0.11% | Return on Equity (TTM) -0.73% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 226650464 | Price to Sales(TTM) 7.43 |
Enterprise Value 226650464 | Price to Sales(TTM) 7.43 | ||
Enterprise Value to Revenue 18.61 | Enterprise Value to EBITDA - | Shares Outstanding 12632600 | Shares Floating 3782966 |
Shares Outstanding 12632600 | Shares Floating 3782966 | ||
Percent Insiders 68.03 | Percent Institutions 7.97 |
Analyst Ratings
Rating 1 | Target Price 12 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bogota Financial Corp
Company Overview
History and Background
Bogota Financial Corp, based in Bogota, New Jersey, operates as the holding company for Bogota Savings Bank. Founded in 1893, the bank provides various banking products and services primarily in the northern New Jersey region.
Core Business Areas
- Retail Banking: Offers traditional deposit accounts, loans, and other financial services to individuals and families.
- Commercial Banking: Provides lending and deposit services to small and medium-sized businesses.
- Mortgage Lending: Originates residential mortgage loans.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments overseeing lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share data is difficult to obtain precisely for a small, regional bank like Bogota Financial, but estimates place it in the low single digits within its specific geographic market. Competitors include larger regional and national banks like PNC, Wells Fargo, and local credit unions.
- Commercial Loans: Provides term loans, lines of credit, and commercial real estate financing. Market share data is difficult to obtain precisely for a small, regional bank like Bogota Financial, but estimates place it in the low single digits within its specific geographic market. Competitors include larger regional and national banks like PNC, Wells Fargo, and local credit unions.
- Deposit Accounts: Offers checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). Market share data is difficult to obtain precisely for a small, regional bank like Bogota Financial, but estimates place it in the low single digits within its specific geographic market. Competitors include larger regional and national banks like PNC, Wells Fargo, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive, subject to regulatory changes, and influenced by economic conditions, including interest rates and inflation. Community banks face competition from larger national banks, credit unions, and fintech companies.
Positioning
Bogota Financial Corp operates as a community bank, focusing on building relationships with local customers and businesses. Its competitive advantages include personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Northern New Jersey is in the billions of dollars. Bogota Financial Corp is positioned to capture a small but significant share of this market by focusing on its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Relationship-based banking
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Lack of technology investment
Opportunities
- Expand into new markets within Northern New Jersey
- Increase commercial lending activities
- Develop new digital banking services
- Acquire smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- USB
- JPM
- WF
Competitive Landscape
Bogota Financial Corp faces intense competition from larger banks with greater resources. Its advantages include its local presence and personalized service. Its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed based on revenue growth, loan growth, and deposit growth over the past few years.
Future Projections: Future growth projections require access to analyst estimates. Growth is likely to be modest, driven by expansion within its existing markets and potential acquisitions.
Recent Initiatives: Recent initiatives might include the launch of new digital banking services or expansion into new branch locations.
Summary
Bogota Financial Corp is a small community bank with a strong local presence. It is a good bank from a costumer standpoint with the personal relationships that it builds with customers. However, the company is small, and it faces intense competition from larger banks and fintech companies. Future growth will depend on its ability to expand its market share, develop new digital banking services, and manage its expenses.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market data providers, Industry reports
Disclaimers:
This analysis is based on publicly available information and general market knowledge. It is not financial advice.
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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