Bogota Financial Corp.
BSBK Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$9.14
KIRA · Stoqly’s AI analyst, in plain words
- Bogota Financial Corp. had $17.2M of revenue in fiscal 2025, up 44.9% on the year before. Over five years, revenue changed +3.2% a year on average.
- Bogota Financial Corp. made $2.1M of net profit in fiscal 2025.
- Bogota Financial Corp. returned $1.1M to shareholders in fiscal 2025, 36% of free cash flow. The diluted share count fell 2.1%.
- It earned 1.5% on shareholders’ money. Running costs took 88.7% of revenue (the efficiency ratio; lower is better).
Market cap
$114M
P/E
43.5x
Revenue
$17.2M
Net income
$2.1M
Return on equity
1.5%
Efficiency ratio
88.7%
Bogota Financial Corp. in 30 seconds · fiscal 2025
Are sales growing?
+44.9%
Yes. Sales grew 44.9% last year.
Does it make a profit?
12.1%
Yes. It keeps 12.1% of every sale as profit.
How lean are its costs?
88.7%
Costly. Running costs take 88.7% of revenue.
How much does it earn on its capital?
1.5%
Low. It earns 1.5% a year on shareholders’ money.
How is the share priced?
43.5x
One share costs 43.5 times its yearly profit per share.
What Bogota Financial Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 27, 2026
- Legal name
- Bogota Financial Corp.
- CIK
- 0001787414
Bogota Financial Corp. · BSBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $23.8M | $24.2M | $16.1M | $11.9M | $17.2M |
| Revenue growth | 61.7% | 1.8% | −33.4% | −26.1% | 44.9% |
| Net interest income | $19.3M | $23.1M | $15.0M | $10.6M | $15.5M |
| Net income | $7.5M | $6.9M | $0.6M | −$2.2M | $2.1M |
| Net margin | 31.6% | 28.4% | 4.0% | −18.2% | 12.1% |
| Diluted EPS | $0.54 | $0.51 | $0.05 | −$0.17 | $0.17 |
| Cash | |||||
| Cash from operations | $6.0M | $10.9M | $1.4M | −$2.6M | $3.2M |
| Capital expenditure | $1.5M | $0.2M | $0.3M | $0.6M | $0.1M |
| Free cash flow | $4.5M | $10.6M | $1.1M | −$3.2M | $3.1M |
| FCF margin | 19.0% | 43.9% | 6.9% | −26.5% | 18.2% |
| Share buybacks | $0.5M | $10.1M | $3.8M | $1.7M | $1.1M |
| Share count change | 14.2% | −2.3% | −5.0% | −1.0% | −2.1% |
| Debt and strength | |||||
| Cash and short-term investments | $105M | $16.8M | $24.9M | $52.2M | $35.6M |
| Loans, net | $570M | $719M | — | $712M | $648M |
| Deposits | $597M | $701M | $625M | $642M | $652M |
| Shareholders' equity | $148M | $140M | $137M | $137M | $141M |
| Returns and quality | |||||
| Return on equity | 5.4% | 4.8% | 0.5% | −1.6% | 1.5% |
| Return on tangible equity | 5.1% | 4.9% | 0.5% | −1.6% | 1.5% |
| Efficiency ratio | 60.8% | 59.0% | 97.8% | 122.6% | 88.7% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bogota Financial Corp. · BSBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $9.14 a share, the company is worth $114M: 43.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001787414). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.