📊 BSBK Key Takeaways
Investment Thesis
Bogota Financial Corp demonstrates strong revenue growth of 295.7% YoY, but profitability metrics reveal concerning underlying weakness with extremely low ROE (1.0%) and ROA (0.2%), suggesting the revenue expansion is not translating to efficient earnings generation. The company's interest coverage ratio of 0.2x indicates potential debt servicing concerns despite a zero debt/equity ratio, warranting cautious observation of operational efficiency improvements.
BSBK Strengths
- Exceptional revenue growth of 295.7% year-over-year demonstrates strong market demand and business expansion
- Positive free cash flow of $2.1M with healthy 6.7% FCF margin indicates operational cash generation capability
- Zero debt/equity ratio provides financial flexibility and eliminates leverage risk
BSBK Risks
- Severely depressed profitability metrics (ROE 1.0%, ROA 0.2%) suggest inefficient asset utilization despite revenue growth
- Interest coverage ratio of 0.2x indicates inadequate operating income to service interest obligations, raising solvency concerns
- Diluted EPS decline of 440% year-over-year despite positive net income signals significant share dilution or prior-year anomalies
Key Metrics to Watch
- Return on Assets (ROA) trend - critical to confirm if revenue growth will eventually translate to profitability
- Interest coverage ratio improvement - essential indicator of operational sustainability for a financial services company
- Operating margin trajectory - monitor whether operating leverage materializes as revenue scales
BSBK Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BSBK Profitability Ratios
BSBK vs Default Sector
How Bogota Financial Corp. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BSBK Balance Sheet & Liquidity
BSBK 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 $0.05 reflects profitable operations.
BSBK Growth Metrics (YoY)
BSBK Capital Allocation
BSBK SEC Filings
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 an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BSBK's key strengths?
Exceptional revenue growth of 295.7% year-over-year demonstrates strong market demand and business expansion. Positive free cash flow of $2.1M with healthy 6.7% FCF margin indicates operational cash generation capability.
What are the risks of investing in BSBK?
Severely depressed profitability metrics (ROE 1.0%, ROA 0.2%) suggest inefficient asset utilization despite revenue growth. Interest coverage ratio of 0.2x indicates inadequate operating income to service interest obligations, raising solvency concerns.
What is BSBK's revenue and growth?
Bogota Financial Corp. reported revenue of $32.1M.
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 $0.11.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.