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BSBK logo BSBK
Upturn stock ratingUpturn stock rating
BSBK logo

Bogota Financial Corp (BSBK)

Upturn stock ratingUpturn stock rating
$9.22
Last Close (24-hour delay)
Profit since last BUY28.06%
upturn advisory
Consider higher Upturn Star rating
BUY since 55 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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  • YEAR
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Upturn Advisory Summary

08/28/2025: BSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$12 Target price
52w Low $6.59
Current$9.22
52w High $9.48

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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 0.18
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

ai summary icon Upturn AI SWOT

Bogota Financial Corp

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.