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BSBK 
Bogota Financial Corp (BSBK)
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Upturn Advisory Summary
11/04/2025: BSBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 13.96% | Avg. Invested days 63 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 109.07M USD | Price to earnings Ratio - | 1Y Target Price 12 |
Price to earnings Ratio - | 1Y Target Price 12 | ||
Volume (30-day avg) 1 | Beta 0.27 | 52 Weeks Range 6.59 - 9.50 | Updated Date 11/4/2025 |
52 Weeks Range 6.59 - 9.50 | Updated Date 11/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
Earnings Date
Report Date 2025-10-29 | When - | Estimate - | Actual 0.0359 |
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 235941616 | Price to Sales(TTM) 7.42 |
Enterprise Value 235941616 | Price to Sales(TTM) 7.42 | ||
Enterprise Value to Revenue 18.19 | Enterprise Value to EBITDA - | Shares Outstanding 12638719 | Shares Floating 3789088 |
Shares Outstanding 12638719 | 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 as Bogota Savings Bank, operates as a savings and loan holding company. It has evolved from a community bank to offering a range of financial products and services.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Lending: Provides commercial real estate loans and other financing solutions to businesses.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The structure is typical of a publicly traded financial institution.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed and adjustable-rate mortgages for home purchases and refinances. Market share in its local area is estimated to be small single digits, competing with larger national banks and mortgage companies. Competitors: JPMorgan Chase (JPM), Wells Fargo (WFC).
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share is difficult to ascertain without proprietary data but is likely also a small single-digit percentage in the local region. Competitors: Bank of America (BAC), PNC Financial Services (PNC).
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates and increased regulatory scrutiny. Community banks are competing with larger national and regional players.
Positioning
Bogota Financial Corp is a community bank focused on serving the needs of its local market. It differentiates itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in the New Jersey and New York area is estimated to be in the billions of dollars annually. Bogota Financial Corp's portion of this TAM is relatively small, reflecting its focus on a specific geographic area.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased online banking services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
Competitors and Market Share
Key Competitors
- JPM
- WFC
- BAC
- PNC
Competitive Landscape
Bogota Financial Corp faces intense competition from larger banks with greater resources and brand recognition. Its competitive advantage lies in its local presence and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth trends are not available.
Future Projections: Future Projections are not available.
Recent Initiatives: Recent Initiatives are not available.
Summary
Bogota Financial Corp is a small community bank that plays in a large industry. It has a strong presence in its local market and is committed to providing personalized customer service. However, its small size and limited geographic reach make it vulnerable to competition from larger banks and economic downturns. It must seek to expand services and markets.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, market research
Disclaimers:
This analysis is based on publicly available information and should not be considered investment 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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