Bogota Finl Corp Financials
This page shows Bogota Finl Corp (BSBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 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).
This is a balance-sheet-heavy spread business where funding costs, more than top-line growth, drove the swing back to profit in FY2025.
The earnings recovery looks more credible because$3.2M of operating cash flow slightly exceeded$2.1M of net income in FY2025. More importantly, revenue reached$43.0M even as assets shrank to$904.9M , which suggests the rebound came from better spread economics on a smaller balance sheet, not from simple asset growth.
Profitability is still extremely thin for the asset base: return on assets was only
Balance-sheet pressure eased but did not disappear as liabilities fell to
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Bogota Finl Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bogota Finl Corp's revenue grew a modest 3.0% year-over-year to $43.0M. This slow but positive growth earns a score of 46/100.
Bogota Finl Corp has elevated debt relative to equity (D/E of 5.42), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Bogota Finl Corp has a free cash flow margin of 7.3%, earning a moderate score of 30/100. The company generates positive cash flow after capital investments, but with room for improvement.
Bogota Finl Corp generates a 1.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is up from -1.6% the prior year.
Bogota Finl Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Bogota Finl Corp generates $1.53 in operating cash flow ($3.2M OCF vs $2.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Bogota Finl Corp generated $43.0M in revenue in fiscal year 2025. This represents an increase of 3.0% from the prior year.
Bogota Finl Corp reported $2.1M in net income in fiscal year 2025. This represents an increase of 196.3% from the prior year.
Bogota Finl Corp earned $0.17 per diluted share (EPS) in fiscal year 2025. This represents an increase of 200.0% from the prior year.
Cash & Balance Sheet
Bogota Finl Corp generated $3.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 199.3% from the prior year.
Bogota Finl Corp held $35.6M in cash against $0 in long-term debt as of fiscal year 2025.
Bogota Finl Corp had 13M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.
Margins & Returns
Bogota Finl Corp's net profit margin was 4.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 10.1 percentage points from the prior year.
Bogota Finl Corp's ROE was 1.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.1 percentage points from the prior year.
Capital Allocation
Bogota Finl Corp spent $1.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 33.6% from the prior year.
Bogota Finl Corp invested $70K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 88.2% from the prior year.
BSBK Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.5M-4.2% | $11.0M+3.1% | $10.6M+1.2% | $10.5M-3.8% | $10.9M+3.1% | $10.6M-0.2% | $10.6M+1.4% | $10.5M |
| 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 | $2.1M-12.1% | $2.3M+15.4% | $2.0M-1.8% | $2.1M-1.0% | $2.1M-11.3% | $2.3M+11.5% | $2.1M-1.9% | $2.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6.1M-9.0% | $6.7M-1.0% | $6.7M-1.1% | $6.8M-7.1% | $7.3M-9.4% | $8.1M+1.7% | $8.0M+3.0% | $7.7M |
| Income Tax | $212K+2117.1% | -$11K-114.4% | $73K+238.5% | -$53K-87.7% | -$28K-106.2% | $450K+277.6% | -$253K+10.0% | -$281K |
| Net Income | $706K+3.7% | $681K+49.8% | $455K+102.6% | $224K-69.3% | $731K+178.6% | -$930K-153.4% | -$367K+15.1% | -$432K |
| EPS (Diluted) | $0.06 | N/A | $0.04+100.0% | $0.02-66.7% | $0.06 | N/A | $-0.030.0% | $-0.03 |
BSBK Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $877.2M-3.1% | $904.9M-2.3% | $925.8M+0.4% | $921.8M-0.9% | $930.2M-4.3% | $971.5M-0.8% | $978.9M+0.4% | $974.7M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $27.9M-21.6% | $35.6M+13.9% | $31.2M+53.7% | $20.3M-20.6% | $25.6M-51.0% | $52.2M+148.7% | $21.0M+19.4% | $17.6M |
| 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 | $735.2M-3.8% | $764.0M-2.7% | $785.1M+0.2% | $783.4M-1.1% | $791.9M-5.1% | $834.2M-0.9% | $841.9M+0.4% | $838.4M |
| 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 | $142.1M+0.8% | $140.9M+0.2% | $140.7M+1.6% | $138.4M+0.1% | $138.3M+0.7% | $137.3M+0.3% | $136.9M+0.4% | $136.3M |
| Retained Earnings | $92.8M+0.8% | $92.1M+0.7% | $91.4M+0.5% | $91.0M+0.2% | $90.7M+0.8% | $90.0M-1.0% | $90.9M-0.4% | $91.3M |
BSBK Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $703K-30.2% | $1.0M+244.2% | $292K-84.8% | $1.9M+12089.4% | -$16K+98.5% | -$1.0M-262.0% | -$288K-117.4% | $1.7M |
| Capital Expenditures | $29K+55.9% | $19K+21.8% | $15K | $0-100.0% | $36K-30.2% | $52K+20.3% | $43K-81.6% | $234K |
| Free Cash Flow | $673K-31.8% | $988K+256.6% | $277K-85.6% | $1.9M+3779.5% | -$52K+95.2% | -$1.1M-230.5% | -$331K-123.4% | $1.4M |
| Investing Cash Flow | $20.4M-19.6% | $25.4M+204.8% | $8.3M+805.3% | $920K-94.0% | $15.5M-69.4% | $50.4M+5745.9% | $862K+107.1% | -$12.1M |
| Financing Cash Flow | -$28.8M-30.6% | -$22.1M-1063.6% | $2.3M+128.2% | -$8.1M+80.7% | -$42.1M-131.7% | -$18.1M-739.9% | $2.8M-78.6% | $13.2M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $125K-88.5% | $1.1M+404.6% | -$356K | $0-100.0% | $398K+44.3% | $276K-33.5% | $415K-43.5% | $735K |
BSBK Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 6.7%+0.5pp | 6.2%+1.9pp | 4.3%+2.1pp | 2.1%-4.5pp | 6.7%+15.5pp | -8.8%-5.3pp | -3.5%+0.7pp | -4.1% |
| Return on Equity | 0.5%+0.0pp | 0.5%+0.2pp | 0.3%+0.2pp | 0.2%-0.4pp | 0.5%+1.2pp | -0.7%-0.4pp | -0.3%+0.1pp | -0.3% |
| Return on Assets | 0.1%0.0pp | 0.1%+0.0pp | 0.1%+0.0pp | 0.0%-0.1pp | 0.1%+0.2pp | -0.1%-0.1pp | -0.0%0.0pp | -0.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.18-0.2 | 5.42-0.2 | 5.58-0.1 | 5.66-0.1 | 5.73-0.3 | 6.08-0.1 | 6.150.0 | 6.15 |
| FCF Margin | 6.4%-2.6pp | 9.0%+6.4pp | 2.6%-15.7pp | 18.3%+18.8pp | -0.5%+9.8pp | -10.3%-7.2pp | -3.1%-16.7pp | 13.5% |
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Frequently Asked Questions
What is Bogota Finl Corp's annual revenue?
Bogota Finl Corp (BSBK) reported $43.0M in total revenue for fiscal year 2025. This represents a 3.0% 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 3% year-over-year, from $41.7M to $43.0M in fiscal year 2025.
Is Bogota Finl Corp profitable?
Yes, Bogota Finl Corp (BSBK) reported a net income of $2.1M in fiscal year 2025, with a net profit margin of 4.9%.
What is Bogota Finl Corp's net profit margin?
Bogota Finl Corp (BSBK) had a net profit margin of 4.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Bogota Finl Corp's return on equity (ROE)?
Bogota Finl Corp (BSBK) has a return on equity of 1.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Bogota Finl Corp's free cash flow?
Bogota Finl Corp (BSBK) generated $3.1M in free cash flow during fiscal year 2025. This represents a 199.3% 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 $3.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bogota Finl Corp's total assets?
Bogota Finl Corp (BSBK) had $904.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bogota Finl Corp's capital expenditures?
Bogota Finl Corp (BSBK) invested $70K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bogota Finl Corp's debt-to-equity ratio?
Bogota Finl Corp (BSBK) had a debt-to-equity ratio of 5.42 as of fiscal year 2025, 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 2025, measuring how efficiently the company uses its assets to generate profit.
What is Bogota Finl Corp's Piotroski F-Score?
Bogota Finl Corp (BSBK) has a Piotroski F-Score of 6 out of 9, indicating neutral 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 to 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 1.53x, considered cash-backed (high quality). 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.
How financially healthy is Bogota Finl Corp?
Bogota Finl Corp (BSBK) scores 15 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.