Bogota Financial Corp. (BSBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BSBK SEC filings page.
Bogota Financial Corp. (BSBK) reported $18.0M in revenue over the twelve months to Jun 30, 2026, up 24.8% from the prior twelve months. This page shows its 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).
Bogota Financial returned to profit and cash generation in FY2025, but its large balance sheet still produces thin returns and heavy funding costs.
FY2025’s recovery was not purely an accounting rebound: net income moved from a net loss of$2.2M in FY2024 to$2.1M of profit, while operating cash flow moved from-$2.6M to$3.2M . That matching reversal indicates the reported earnings improvement was accompanied by cash generation rather than appearing only through non-cash accounting changes.
The balance sheet contracted rather than expanding: assets fell from
Profitability remains modest relative to the asset base: return on assets was only
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Bogota Financial 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 Financial Corp. earned a return on assets of 0.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.2% the prior year. Earnings ranks banks on that return over three years, and Bogota Financial Corp. scores 18/100 among other banks.
Bogota Financial Corp. reported revenue of $17.2M in fiscal year 2025, against $11.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bogota Financial Corp. scores 29/100 among other banks.
Bogota Financial Corp. funded 15.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $140.9M of equity against $904.9M of assets. Capital ranks banks on that cushion, and Bogota Financial Corp. scores 80/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bogota Financial Corp. scores 7/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Bogota Financial Corp. scores 92/100 on it among other banks.
Bogota Financial Corp. reported net income of $2.1M in fiscal year 2025, against a loss of $2.2M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bogota Financial Corp. scores 15/100 among other banks.
Bogota Financial Corp. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Bogota Financial 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 Financial Corp. generated $4.5M in revenue in Q2 2026. This represents an increase of 11.8% from the same quarter a year earlier. Against the prior quarter it is down 5.2%.
Bogota Financial Corp. reported $748K in net income in Q2 2026. This represents an increase of 233.1% from the same quarter a year earlier. Against the prior quarter it is up 5.9%.
Bogota Financial Corp. earned $0.06 per diluted share (EPS) in Q2 2026. This represents an increase of 200.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Cash & Balance Sheet
Bogota Financial Corp. generated $2.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 11.8% from the same quarter a year earlier. Against the prior quarter it is up 218.7%.
Bogota Financial Corp. held $29.9M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Bogota Financial Corp.'s net profit margin was 16.6% in Q2 2026, showing the share of revenue converted to profit. This is up 11.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.
Bogota Financial Corp.'s ROE was 0.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Bogota Financial Corp. spent $1.2M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 869.0%.
Bogota Financial Corp. invested $211K in capex in Q2 2026, funding long-term assets and infrastructure. Against the prior quarter it is up 619.1%.
Not reported for Q2 2026.
BSBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.5M+11.8% | $4.7M+5.9% | $4.5M+54.7% | $4.2M+41.2% | $4.0M+32.1% | $4.5M+51.9% | $2.9M-9.4% | $3.0M-14.9% |
| SG&A Expenses | $2.0M-3.7% | $2.1M-1.3% | $2.3M-0.4% | $2.0M-3.8% | $2.1M-3.9% | $2.1M-3.6% | $2.3M-23.9% | $2.1M-7.5% |
| Interest Expense | $5.7M-15.6% | $6.1M-17.3% | $6.7M-17.7% | $6.7M-15.4% | $6.8M-11.9% | $7.3M-1.1% | $8.1M+22.1% | $8.0M+31.1% |
| Income Tax | $99K+287.6% | $212K+857.4% | -$11K-102.3% | $73K+128.8% | -$53K+81.3% | -$28K+90.2% | $450K+182.1% | -$253K-102.1% |
| Net Income | $748K+233.1% | $706K-3.4% | $681K+173.2% | $455K+223.9% | $224K+151.9% | $731K+265.8% | -$930K+21.0% | -$367K-1163.1% |
| EPS (Basic) | $0.06+200.0% | $0.060.0% | $0.06+185.7% | $0.04+233.3% | $0.02+166.7% | $0.06+300.0% | -$0.07+22.2% | -$0.03 |
| EPS (Diluted) | $0.06+200.0% | $0.060.0% | $0.06+185.7% | $0.04+233.3% | $0.02+166.7% | $0.06+300.0% | -$0.07+22.2% | -$0.03 |
| Diluted Shares (Avg) | 13M-1.1% | 13M-0.3% | N/A | 13M-0.4% | 13M-1.3% | 13M-1.6% | N/A | 13M-2.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BSBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $875.0M-5.1% | $877.2M-5.7% | $904.9M-6.8% | $925.8M-5.4% | $921.8M-5.4% | $930.2M-3.2% | $971.5M+3.4% | $978.9M+5.6% |
| Cash & Equivalents | $29.9M+47.0% | $27.9M+9.0% | $35.6M-31.8% | $31.2M+48.8% | $20.3M+15.6% | $25.6M+77.4% | $52.2M+109.5% | $21.0M-15.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $733.0M-6.4% | $735.2M-7.2% | $764.0M-8.4% | $785.1M-6.7% | $783.4M-6.6% | $791.9M-3.9% | $834.2M+4.0% | $841.9M+6.7% |
| Total Equity | $142.0M+2.5% | $142.1M+2.7% | $140.9M+2.6% | $140.7M+2.7% | $138.4M+1.5% | $138.3M+1.3% | $137.3M+0.1% | $136.9M-0.5% |
| Retained Earnings | $93.6M+2.8% | $92.8M+2.3% | $92.1M+2.3% | $91.4M+0.5% | $91.0M-0.4% | $90.7M-1.1% | $90.0M-2.4% | $90.9M-2.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BSBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.4M+22.7% | $703K+4487.2% | $1.0M+196.6% | $292K+201.6% | $1.9M+16.3% | -$16K+99.4% | -$1.0M-364.6% | -$288K-523.1% |
| Depreciation & Amortization | $88K-12.2% | $92K-8.7% | $98K-18.0% | $99K-23.1% | $101K-18.1% | $101K-19.9% | $120K-9.2% | $128K-1.7% |
| Stock-Based Compensation | N/A | $225K+1.9% | N/A | N/A | N/A | $221K-5.7% | N/A | N/A |
| Capital Expenditures | $211K | $29K-19.1% | $19K-63.7% | $15K-64.2% | $0-100.0% | $36K-86.4% | $52K-3.1% | $43K-57.8% |
| Free Cash Flow | $2.1M+11.8% | $673K+1390.3% | $988K+190.3% | $277K+183.7% | $1.9M+35.5% | -$52K+98.3% | -$1.1M-293.9% | -$331K-870.4% |
| Investing Cash Flow | $3.2M+251.5% | $20.4M+32.2% | $25.4M-49.6% | $8.3M+866.2% | $920K+107.6% | $15.5M+153.2% | $50.4M+566.6% | $862K+557.5% |
| Financing Cash Flow | -$3.6M+55.4% | -$28.8M+31.5% | -$22.1M-21.5% | $2.3M-19.3% | -$8.1M-161.4% | -$42.1M-292.7% | -$18.1M-265.3% | $2.8M+167.0% |
| Share Buybacks | $1.2M | $125K-68.6% | $1.1M+292.7% | -$356K-14.2% | $0-100.0% | $398K+47.7% | $276K-62.9% | $415K-49.5% |
Not reported in any period shown, so not listed: Dividends Paid.
BSBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 16.6%+11.0pp | 14.9%-1.4pp | 15.1%+46.9pp | 10.8%+23.1pp | 5.6%+19.8pp | 16.3%+31.3pp | -31.9%+4.7pp | -12.3%-11.5pp |
| Return on Equity | 0.5%+0.4pp | 0.5%0.0pp | 0.5%+1.2pp | 0.3%+0.6pp | 0.2%+0.5pp | 0.5%+0.9pp | -0.7%+0.2pp | -0.3%-0.3pp |
| Return on Assets | 0.1%+0.1pp | 0.1%0.0pp | 0.1%+0.2pp | 0.1%+0.1pp | 0.0%+0.1pp | 0.1%+0.1pp | -0.1%0.0pp | 0.0%0.0pp |
| Debt-to-Equity | 5.16-0.5x | 5.18-0.6x | 5.42-0.7x | 5.58-0.6x | 5.66-0.5x | 5.73-0.3x | 6.08+0.2x | 6.15+0.4x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x | 0.000.0x |
| FCF Margin | 47.7%0.0pp | 14.2%+15.3pp | 21.9%+59.4pp | 6.6%+17.7pp | 47.7%+1.2pp | -1.2% | -37.5%-28.9pp | -11.1%-10.1pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Bogota Financial Corp. BSBK | FY2025 | $17.2M | $2.1M | 12.1% | $117.0M | 40/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $125.0M | 56/100 |
| Union Bankshares, Inc UNB | FY2025 | $54.5M | $11.1M | 20.4% | $113.3M | 44/100 |
| Sound Financial Bancorp, Inc. SFBC | FY2025 | $38.9M | $7.2M | 18.4% | $110.6M | 25/100 |
| SB Financial Group, Inc. SBFG | FY2025 | $65.6M | $14.0M | 21.3% | $184.3M | 47/100 |
| Affinity Bancshares, Inc. AFBI | FY2025 | $33.1M | $8.3M | 25.2% | $140.2M | 59/100 |
Where Bogota Financial Corp. Ranks
Frequently Asked Questions
What is Bogota Financial Corp.'s annual revenue?
Bogota Financial Corp. (BSBK) reported $17.2M in total revenue for fiscal year 2025. This represents a 44.9% 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 Financial Corp.'s revenue growing?
Bogota Financial Corp. (BSBK) revenue grew by 44.9% year-over-year, from $11.9M to $17.2M in fiscal year 2025.
Is Bogota Financial Corp. profitable?
Yes, Bogota Financial Corp. (BSBK) reported a net income of $2.1M in fiscal year 2025, with a net profit margin of 12.1%.
What is Bogota Financial Corp.'s net profit margin?
Bogota Financial Corp. (BSBK) had a net profit margin of 12.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Bogota Financial Corp.'s return on equity (ROE)?
Bogota Financial 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 Financial Corp.'s free cash flow?
Bogota Financial 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 Financial Corp.'s operating cash flow?
Bogota Financial Corp. (BSBK) generated $3.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bogota Financial Corp.'s total assets?
Bogota Financial Corp. (BSBK) had $904.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bogota Financial Corp.'s capital expenditures?
Bogota Financial Corp. (BSBK) invested $70K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bogota Financial Corp.'s debt-to-equity ratio?
Bogota Financial 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 Financial Corp.'s return on assets (ROA)?
Bogota Financial 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 Financial Corp.'s P/E ratio?
Bogota Financial Corp. (BSBK) trades at 45.2x earnings, its market capitalization divided by net income of $2.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $117.0M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bogota Financial Corp.'s price-to-sales ratio?
Bogota Financial Corp. (BSBK) trades at 6.5x sales, its market capitalization divided by revenue of $18.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $117.0M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bogota Financial Corp.'s Piotroski F-Score?
Bogota Financial Corp. (BSBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 Financial Corp.'s earnings high quality?
Bogota Financial 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 Financial Corp.?
Bogota Financial Corp. (BSBK) scores 40 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.