📊 BSBK Key Takeaways
Is Bogota Financial Corp. (BSBK) a Good Investment?
Bogota Financial shows exceptional revenue growth of 178% YoY, but underlying profitability metrics are critically weak with ROE of 0.5% and ROA of 0.1%, indicating severe capital inefficiency. The dangerously low interest coverage ratio of 0.1x combined with minimal absolute profitability relative to $877M in assets raises fundamental sustainability concerns for a financial institution.
Bogota Financial shows a sharp reported revenue increase and remains profitable with positive operating cash flow, but the quality of that growth looks weak given only 4.4% operating and net margins. Returns on equity and assets are very low, suggesting the balance sheet is not producing strong earnings yet. Fundamentally, this looks stable rather than compelling until profitability improves materially.
Why Buy Bogota Financial Corp. Stock? BSBK Key Strengths
- Exceptional YoY growth: revenue +178%, net income +196.3%, EPS +200%
- Positive free cash flow generation of $673.3K with healthy 6.4% FCF margin
- Conservative balance sheet with zero long-term debt and strong cash position of $27.9M
- Improving operational efficiency with 8.8% operating margin
- Positive net income and free cash flow generation
- Solid equity base relative to total assets
- No meaningful long-term debt reported, limiting traditional balance-sheet leverage risk
BSBK Stock Risks: Bogota Financial Corp. Investment Risks
- Critically low ROE of 0.5% and ROA of 0.1% indicate severe capital inefficiency unacceptable for financial institutions
- Interest coverage ratio of 0.1x is dangerously low and suggests inability to cover fixed obligations
- Minimal absolute profitability ($705.9K net income) relative to massive $877.2M asset base indicates poor asset utilization
- Zero insider Form 4 filings in 90 days may signal lack of management confidence in near-term prospects
- Very weak profitability with 1.0% ROE and 0.2% ROA
- Revenue growth is not translating into strong earnings or EPS performance
- Low interest coverage indicates limited earnings cushion against funding and interest expense pressure
Key Metrics to Watch
- Return on Equity (ROE) - must improve substantially toward 10%+ for financial institution viability
- Return on Assets (ROA) - must trend toward 0.8-1.0% industry benchmark for banks
- Interest Coverage Ratio - currently at dangerous levels, needs immediate improvement
- Net interest margin and operating margin trend
- ROE and operating cash flow consistency
Bogota Financial Corp. (BSBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BSBK Profit Margin, ROE & Profitability Analysis
BSBK vs Finance Sector: How Bogota Financial Corp. Compares
How Bogota Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Bogota Financial Corp. Stock Overvalued? BSBK Valuation Analysis 2026
Based on fundamental analysis, Bogota Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Bogota Financial Corp. Balance Sheet: BSBK Debt, Cash & Liquidity
BSBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Bogota Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.17 indicates the company is currently unprofitable.
BSBK Revenue Growth, EPS Growth & YoY Performance
Bogota Financial Corp. Dividends, Buybacks & Capital Allocation
BSBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Bogota Financial Corp. (CIK: 0001787414)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BSBK
What is the AI rating for BSBK?
Bogota Financial Corp. (BSBK) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 60% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BSBK's key strengths?
Claude: Exceptional YoY growth: revenue +178%, net income +196.3%, EPS +200%. Positive free cash flow generation of $673.3K with healthy 6.4% FCF margin. ChatGPT: Positive net income and free cash flow generation. Solid equity base relative to total assets.
What are the risks of investing in BSBK?
Claude: Critically low ROE of 0.5% and ROA of 0.1% indicate severe capital inefficiency unacceptable for financial institutions. Interest coverage ratio of 0.1x is dangerously low and suggests inability to cover fixed obligations. ChatGPT: Very weak profitability with 1.0% ROE and 0.2% ROA. Revenue growth is not translating into strong earnings or EPS performance.
What is BSBK's revenue and growth?
Bogota Financial Corp. reported revenue of $10.5M.
Does BSBK pay dividends?
Bogota Financial Corp. does not currently pay dividends.
Where can I find BSBK SEC filings?
Official SEC filings for Bogota Financial Corp. (CIK: 0001787414) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BSBK's EPS?
Bogota Financial Corp. has a diluted EPS of $0.06.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BSBK a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Bogota Financial Corp. has a SELL rating with 60% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BSBK stock overvalued or undervalued?
Valuation metrics for BSBK: ROE of 0.5% (sector avg: 12%), net margin of 6.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BSBK stock in 2026?
Our dual AI analysis gives Bogota Financial Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BSBK's free cash flow?
Bogota Financial Corp.'s operating cash flow is $702.6K, with capital expenditures of $29.3K. FCF margin is 6.4%.
How does BSBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.7% (avg: 25%), ROE 0.5% (avg: 12%), current ratio N/A (avg: 1.2).