Bogota Financial Corp. Common Stock (BSBK)

FairStock Score: 43/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Bogota Financial as a small, 56-employee community bank holding company. It has no obvious wide moat; banking is commoditized and its scale is tiny. The numbers show a turnaround, but not yet a high-quality one. In FY2024, the bank lost $2.2 million, or $0.17 per diluted share. In FY2025, it earned $2.1 million, or $0.17 per diluted share, and in fiscal Q2 2026, the quarter ended 2026-06-30, it earned $747,522, or $0.06 per diluted share, versus $224,395, or $0.02, in fiscal Q2 2025. The quarterly trend is improving, but FairStock calculations show ROE of only 1.85% and ROCE of 0.29%. A P/B of 0.80 at the 2026-10-13 close is the main attraction: the market values it below stated book. But a P/E of 41.34 on $0.22 EPS shows how depressed earnings are; FairStock profit growth is -3.42% and Piotroski is 4/9. FairStock Score is 43/100, and it labels the company a TURNAROUND because it returned to profit after a loss within the last three years. Revenue growth of 5.91% is modest and profit growth is negative. The 0.00% dividend gives no cash return. The critical missing data are bank-specific: CET1, net interest margin, efficiency ratio, nonperforming loans, and loan-loss provisions. Without those, I cannot judge underwriting or capital adequacy. This may be a cheap asset with a weak earnings engine, not a clear bargain.

In plain English: Bogota Financial is a small bank holding company that takes deposits and makes loans, mostly for homes and commercial property. It lost money in 2024, but it has been making small profits again in 2025 and 2026. The stock looks inexpensive compared with the bank's net worth, but profits are thin and the available numbers do not show enough about loan risk.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer