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Bogota Financial

(NASDAQ) BSBK

Current Price$9.07
Market Cap$115.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2020)-23%
5 Year-12%
1 Year+12%
1 Month-1%
Bogota Financial last closing stock price
MetricPriceDate
Last closeUSD 8.982026-07-16
Bogota Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.55%USD 9.032026-07-09
1 month-1.43%USD 9.112026-06-16
3 month+5.03%USD 8.552026-04-17
Year to date+6.27%USD 8.452025-12-31
1 year+12.11%USD 8.012025-07-16
3 year+9.39%USD 8.212023-07-17
5 year-11.96%USD 10.202021-07-16
Since inception-22.52%USD 11.592020-01-16

Bogota Financial Financials at a Glance

Market Cap

$115.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$43.83M

Net Income (TTM)

$2.07M

EPS (TTM)

$0.16

P/E Ratio

54.86

Dividend

$0.00

Beta (Volatility)

0.11 (Low)

Price

$9.07

Volume

16,113

Open

$8.99

Previous Close

$9.02

Daily Range

$8.90 - $9.15

52-Week Range

$7.99 - $9.50

Estimated Earnings Date

Aug 5, 2026

BSBK News

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Bogota Financial (BSBK) Q2 Profit Up

Motley Fool Markets TeamAug 2, 2025

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About Bogota Financial

Bogota Financial helps people and businesses manage money and get loans. Its accounts let customers save, pay bills, or earn interest. Homebuyers and local companies use its loans to buy property or fund projects.

Money Matters: What Bogota Offers

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses (revenue share not disclosed).
  • Residential Loans: Mortgages for one- to four-family homes, mainly for local homebuyers (65.9% of total loans as of June 30, 2025).
  • Commercial Real Estate Loans: Loans for business properties and multi-family buildings (29.8% of total loans as of June 30, 2025).
  • Construction and Business Loans: Financing for building projects and small business needs (4.3% of total loans as of June 30, 2025).
  • Investment Services: Buys, sells, and holds securities for its own balance sheet (revenue share not disclosed).

Branching Out: Bogota’s Growth Moves

  • Restructured balance sheet in Q4 2024, selling $66M in low-yield securities and reinvesting $32.7M in higher-yield assets.
  • Completed a sale leaseback transaction in Q4 2024 to manage property costs.
  • Expanded loan production with a new office in Spring Lake, New Jersey (year not specified).
  • Focused on local New Jersey markets, with no recent acquisitions or global expansion reported.

Why Bogota Stands Out (Without the Hype)

Bogota focuses on community banking in New Jersey, keeping operations local and personal. It maintains a strong capital position, with a leverage ratio well above regulatory minimums. The company uses interest rate swaps to manage risk from changing market rates.

Five Things You Need to Know

  • Total interest income was $11M in Q3 2025, flat year-over-year.
  • Net interest income rose 34.7% to $3.7M in Q2 2025.
  • Net income for the first half of 2025 was $955,000, up from a loss last year.
  • Deposits totaled $628.2M as of June 30, 2025, down 2.2% from year-end 2024.
  • Community bank leverage ratio was 15.40% in June 2025, above the 9% requirement.

Bottom Line

Bogota has evolved by focusing on local banking and careful risk management. Its steady approach and strong capital base support its role in New Jersey’s financial landscape.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

56

CEO

Kevin Pace

Website

www.bogotasavingsbank.com

Headquarters

Teaneck, NJ 07666, US

BSBK Financials

Key Financial Metrics (TTM)

Gross Margin

40.07%

Operating Margin

5.22%

Net Income Margin

4.71%

Return on Equity

1.47%

Return on Capital

0.85%

Return on Assets

0.24%

Earnings Yield

1.82%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$115.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

12.85M

Volume

16.11K

Avg. Volume

14.34K

Financials (TTM)

Gross Profit

$17.56M

Operating Income

$2.29M

EBITDA

$2.79M

Operating Cash Flow

$3.92M

Capital Expenditure

-$63.47K

Free Cash Flow

$3.86M

Cash & ST Invst.

$13.09M

Total Debt

$126.81M

Bogota Financial Performance Analysis

Bogota Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 31,470,14714.0%
20232023-12-31USD 38,418,88022.1%
20242024-12-31USD 34,092,904-11.3%
20252025-12-31USD 44,771,30531.3%
Bogota Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-8.3%
Q32025-09-301.0%
Q42025-12-312.6%
Q12026-03-31-3.8%
Bogota Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.51-6.4%
20232023-12-31USD 0.05-90.2%
20242024-12-31USD -0.17N/A
20252025-12-31USD 0.17N/A
Bogota Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-69.2%
Q32025-09-30101.7%
Q42025-12-3150.4%
Q12026-03-3111.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$10.81M

-8.5%

Gross Profit

$4.70M

+3.0%

Gross Margin

43.46%

N/A

Market Cap

$115.43MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.06M

N/A

Employees

56

N/A

Net Income

$705.95K

-3.4%

EBITDA

$1.01M

+28.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$13.09M

-89.1%

Total Debt

$126.81M

-15.7%

Accounts Receivable

$4.47M

+7.7%

Inventory

$0.00

N/A

Long Term Debt

$68.31M

-45.8%

Short Term Debt

$58.50M

+138.8%

Return on Assets

0.24%

N/A

Return on Invested Capital

0.28%

N/A

Free Cash Flow

$673.34K

+1390.3%

Operating Cash Flow

$702.61K

+4487.2%

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Questions About BSBK

What is the current price of Bogota Financial?

Bogota Financial is trading at $9.02 per share.

What is the 52-week range for Bogota Financial?

Over the past 52 weeks, Bogota Financial has traded between $7.99 and $9.50.

How much debt does Bogota Financial have?

As of the most recent reporting period, Bogota Financial reported total debt of $126.81M.

How much cash does Bogota Financial have on hand?

Bogota Financial does not have cash on hand data available.

What is Bogota Financial’s dividend yield?

Bogota Financial does not currently have a dividend yield.

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