Bogota Finl Corp Financials

BSBK

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Weak

2/9

Bogota Finl Corp passes 2 of 9 financial strength tests. No profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

1.18x

For every $1 of reported earnings, Bogota Finl Corp generates $1.18 in operating cash flow (-$2.6M OCF vs -$2.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

This page shows Bogota Finl Corp (BSBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Export CSV

Key Financial Metrics

Revenue

$41.7M

YoY+12.0%

5Y CAGR+12.5%

Bogota Finl Corp generated $41.7M in revenue in fiscal year 2024. This represents an increase of 12.0% from the prior year.

EBITDA

N/A

Free Cash Flow

-$3.2M

YoY-381.8%

Bogota Finl Corp generated -$3.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 381.8% from the prior year.

Net Income

-$2.2M

YoY-437.8%

Bogota Finl Corp reported -$2.2M in net income in fiscal year 2024. This represents a decrease of 437.8% from the prior year.

EPS (Diluted)

$-0.17

YoY-440.0%

Bogota Finl Corp earned $-0.17 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 440.0% from the prior year.

Cash & Debt

$52.2M

YoY+109.5%

5Y CAGR-16.4%

Bogota Finl Corp held $52.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

13M

YoY-1.7%

Bogota Finl Corp had 13M shares outstanding in fiscal year 2024. This represents a decrease of 1.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-5.2%

YoY-6.9pp

5Y CAGR-15.7pp

Bogota Finl Corp's net profit margin was -5.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.9 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

$1.7M

YoY-55.5%

Bogota Finl Corp spent $1.7M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 55.5% from the prior year.

Capital Expenditures

$595K

YoY+87.0%

5Y CAGR+30.1%

Bogota Finl Corp invested $595K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 87.0% from the prior year.

BSBK Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$41.7M+12.0%	$37.3M+22.8%	$30.3M+21.1%	$25.1M+7.7%	$23.3M+0.6%	$23.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$31.2M+39.9%	$22.3M+206.9%	$7.3M+25.5%	$5.8M-40.2%	$9.7M-19.2%	$12.0M
Income Tax	-$372K-129.1%	-$162K-106.2%	$2.6M+39.4%	$1.9M+328.8%	$437K-48.6%	$851K
Net Income	-$2.2M-437.8%	$643K-90.7%	$6.9M-8.6%	$7.5M+263.6%	$2.1M-14.8%	$2.4M
EPS (Diluted)	$-0.17-440.0%	$0.05-90.2%	$0.51-5.6%	$0.54+217.6%	$0.17	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$10.6M+1.2%	$10.5M-3.8%	$10.9M+3.1%	$10.6M+1.1%	$10.5M+4.1%	$10.1M+5.2%	$9.6M+3.0%	$9.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.7M-1.1%	$6.8M-7.1%	$7.3M-9.4%	$8.1M+4.7%	$7.7M+4.3%	$7.4M+11.8%	$6.6M+9.2%	$6.1M
Income Tax	$73K+238.5%	-$53K-87.7%	-$28K-106.2%	$450K+259.9%	-$281K+1.9%	-$287K+47.7%	-$548K-337.4%	-$125K
Net Income	$455K+102.6%	$224K-69.3%	$731K+178.6%	-$930K-115.0%	-$432K+1.9%	-$441K+62.6%	-$1.2M-3953.8%	-$29K
EPS (Diluted)	$0.04+100.0%	$0.02-66.7%	$0.06+175.0%	$-0.08-166.7%	$-0.030.0%	$-0.03+70.0%	$-0.10	$0.00

BSBK Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$971.5M+3.4%	$939.3M-1.2%	$951.1M+13.6%	$837.4M+13.0%	$740.9M-3.4%	$766.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$52.2M+109.5%	$24.9M+48.0%	$16.8M-84.0%	$105.1M+30.7%	$80.4M-37.1%	$127.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$834.2M+4.0%	$802.2M-1.1%	$811.4M+17.6%	$689.8M+12.6%	$612.4M-11.5%	$691.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$137.3M+0.1%	$137.2M-1.8%	$139.7M-5.4%	$147.6M+14.9%	$128.5M+71.3%	$75.0M
Retained Earnings	$90.0M-2.4%	$92.2M+0.5%	$91.8M+8.1%	$84.9M+9.7%	$77.4M+2.7%	$75.3M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$925.8M+0.4%	$921.8M-0.9%	$930.2M-4.3%	$971.5M-0.3%	$974.7M+1.4%	$960.9M+2.3%	$939.3M+1.3%	$927.0M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$31.2M+53.7%	$20.3M-20.6%	$25.6M-51.0%	$52.2M+196.9%	$17.6M+21.9%	$14.4M-42.1%	$24.9M-0.2%	$25.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$785.1M+0.2%	$783.4M-1.1%	$791.9M-5.1%	$834.2M-0.5%	$838.4M+1.7%	$824.4M+2.8%	$802.2M+1.6%	$789.4M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$140.7M+1.6%	$138.4M+0.1%	$138.3M+0.7%	$137.3M+0.7%	$136.3M-0.1%	$136.4M-0.5%	$137.2M-0.3%	$137.7M
Retained Earnings	$91.4M+0.5%	$91.0M+0.2%	$90.7M+0.8%	$90.0M-1.4%	$91.3M-0.5%	$91.7M-0.5%	$92.2M-1.3%	$93.4M

BSBK Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	-$2.6M-278.1%	$1.4M-86.8%	$10.9M+82.1%	$6.0M+2.7%	$5.8M+125.5%	$2.6M
Capital Expenditures	$595K+87.0%	$318K+31.7%	$241K-83.4%	$1.5M-16.6%	$1.7M+996.7%	$159K
Free Cash Flow	-$3.2M-381.8%	$1.1M-89.5%	$10.6M+135.6%	$4.5M+11.0%	$4.1M+68.0%	$2.4M
Investing Cash Flow	$10.1M-52.9%	$21.5M+110.2%	-$210.7M-699.5%	$35.1M+257.9%	-$22.3M-1446.8%	$1.7M
Financing Cash Flow	$19.7M+232.7%	-$14.9M-113.3%	$111.6M+779.7%	-$16.4M+47.1%	-$31.0M-131.3%	$99.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.7M-55.5%	$3.8M-62.2%	$10.1M+1991.3%	$481K	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$292K-84.8%	$1.9M+12089.4%	-$16K+98.5%	-$1.0M-163.1%	$1.7M+157.3%	-$2.9M-1184.4%	-$224K-429.6%	$68K
Capital Expenditures	$15K	$0-100.0%	$36K-30.2%	$52K-77.9%	$234K-12.1%	$266K+398.0%	$53K-47.7%	$102K
Free Cash Flow	$277K-85.6%	$1.9M+3779.5%	-$52K+95.2%	-$1.1M-177.2%	$1.4M+145.0%	-$3.1M-1033.1%	-$278K-714.3%	-$34K
Investing Cash Flow	$8.3M+805.3%	$920K-94.0%	$15.5M-69.4%	$50.4M+516.8%	-$12.1M+58.4%	-$29.1M-168.9%	-$10.8M-8337.8%	$131K
Financing Cash Flow	$2.3M+128.2%	-$8.1M+80.7%	-$42.1M-131.7%	-$18.1M-237.2%	$13.2M-39.4%	$21.8M+98.7%	$11.0M+359.3%	-$4.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	-$356K	$0-100.0%	$398K+44.3%	$276K-62.4%	$735K+172.4%	$270K-63.8%	$745K-9.4%	$822K

BSBK Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-5.2%-6.9pp	1.7%-20.9pp	22.7%-7.3pp	30.0%+21.1pp	8.9%-1.6pp	10.5%
Return on Equity	N/A	0.5%-4.5pp	4.9%-0.2pp	5.1%+3.5pp	1.6%-1.6pp	3.2%
Return on Assets	-0.2%-0.3pp	0.1%-0.7pp	0.7%-0.2pp	0.9%+0.6pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.08+0.2	5.85+0.0	5.81+1.1	4.67-0.1	4.77-4.5	9.22
FCF Margin	-7.6%-10.6pp	3.0%-32.0pp	35.0%+17.0pp	18.0%+0.5pp	17.4%+7.0pp	10.4%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.3%+2.1pp	2.1%-4.5pp	6.7%+15.5pp	-8.8%-4.7pp	-4.1%+0.2pp	-4.4%+7.9pp	-12.3%-12.0pp	-0.3%
Return on Equity	0.3%+0.2pp	0.2%-0.4pp	0.5%	N/A	N/A	N/A	N/A	N/A
Return on Assets	0.1%+0.0pp	0.0%-0.1pp	0.1%+0.2pp	-0.1%-0.1pp	-0.0%0.0pp	-0.1%+0.1pp	-0.1%-0.1pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.58-0.1	5.66-0.1	5.73-0.3	6.08-0.1	6.15+0.1	6.04+0.2	5.85+0.1	5.73
FCF Margin	2.6%-15.7pp	18.3%+18.8pp	-0.5%+9.8pp	-10.3%-23.8pp	13.5%+44.8pp	-31.3%-28.4pp	-2.9%-2.5pp	-0.4%

Similar Companies

Magyar Bancorp MGYR

$119.0M

Union Bnkshrs UNB

$114.3M

Sound Finl Bancorp Inc SFBC

$105.9M

Sb Finl Group Inc SBFG

$130.3M

Affinity Bancshares Inc AFBI

$126.2M

Frequently Asked Questions

What is Bogota Finl Corp's annual revenue?

Bogota Finl Corp (BSBK) reported $41.7M in total revenue for fiscal year 2024. This represents a 12.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bogota Finl Corp's revenue growing?

Bogota Finl Corp (BSBK) revenue grew by 12% year-over-year, from $37.3M to $41.7M in fiscal year 2024.

Is Bogota Finl Corp profitable?

No, Bogota Finl Corp (BSBK) reported a net income of -$2.2M in fiscal year 2024, with a net profit margin of -5.2%.

What is Bogota Finl Corp's earnings per share (EPS)?

Bogota Finl Corp (BSBK) reported diluted earnings per share of $-0.17 for fiscal year 2024. This represents a -440.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Bogota Finl Corp's net profit margin?

Bogota Finl Corp (BSBK) had a net profit margin of -5.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Bogota Finl Corp's free cash flow?

Bogota Finl Corp (BSBK) generated -$3.2M in free cash flow during fiscal year 2024. This represents a -381.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bogota Finl Corp's operating cash flow?

Bogota Finl Corp (BSBK) generated -$2.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Bogota Finl Corp's total assets?

Bogota Finl Corp (BSBK) had $971.5M in total assets as of fiscal year 2024, including both current and long-term assets.

What are Bogota Finl Corp's capital expenditures?

Bogota Finl Corp (BSBK) invested $595K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Bogota Finl Corp buy back shares?

Yes, Bogota Finl Corp (BSBK) spent $1.7M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Bogota Finl Corp have outstanding?

Bogota Finl Corp (BSBK) had 13M shares outstanding as of fiscal year 2024.

What is Bogota Finl Corp's debt-to-equity ratio?

Bogota Finl Corp (BSBK) had a debt-to-equity ratio of 6.08 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bogota Finl Corp's return on assets (ROA)?

Bogota Finl Corp (BSBK) had a return on assets of -0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Bogota Finl Corp's cash runway?

Based on fiscal year 2024 data, Bogota Finl Corp (BSBK) had $52.2M in cash against an annual operating cash burn of $2.6M. This gives an estimated cash runway of approximately 245 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Bogota Finl Corp's Piotroski F-Score?

Bogota Finl Corp (BSBK) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bogota Finl Corp's earnings high quality?

Bogota Finl Corp (BSBK) has an earnings quality ratio of 1.18x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.