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BOGOTA FINANCIAL CORP (BSBK) Stock Fundamental Analysis

NASDAQ:BSBK - Nasdaq - US0972351052 - Common Stock - Currency: USD

7.0086  +0.04 (+0.55%)

Fundamental Rating

3

Overall BSBK gets a fundamental rating of 3 out of 10. We evaluated BSBK against 396 industry peers in the Banks industry. BSBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BSBK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BSBK had positive earnings in the past year.
In the past year BSBK has reported a negative cash flow from operations.
Of the past 5 years BSBK 4 years were profitable.
Of the past 5 years BSBK 4 years had a positive operating cash flow.
BSBK Yearly Net Income VS EBIT VS OCF VS FCFBSBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M

1.2 Ratios

With a Return On Assets value of -0.22%, BSBK is not doing good in the industry: 91.92% of the companies in the same industry are doing better.
The Return On Equity of BSBK (-1.58%) is worse than 91.92% of its industry peers.
Industry RankSector Rank
ROA -0.22%
ROE -1.58%
ROIC N/A
ROA(3y)0.19%
ROA(5y)0.35%
ROE(3y)1.27%
ROE(5y)2.1%
ROIC(3y)N/A
ROIC(5y)N/A
BSBK Yearly ROA, ROE, ROICBSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4

1.3 Margins

BSBK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BSBK Yearly Profit, Operating, Gross MarginsBSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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5

2. Health

2.1 Basic Checks

BSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BSBK has less shares outstanding
BSBK has less shares outstanding than it did 5 years ago.
BSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BSBK Yearly Shares OutstandingBSBK Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
BSBK Yearly Total Debt VS Total AssetsBSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

BSBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.66%
BSBK Yearly LT Debt VS Equity VS FCFBSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSBK Yearly Current Assets VS Current LiabilitesBSBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2024 2M 4M 6M 8M 10M

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3

3. Growth

3.1 Past

The earnings per share for BSBK have decreased strongly by -26.99% in the last year.
The Earnings Per Share has been growing by 11.95% on average over the past years. This is quite good.
BSBK shows a decrease in Revenue. In the last year, the revenue decreased by -5.75%.
Measured over the past years, BSBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.76% on average per year.
EPS 1Y (TTM)-26.99%
EPS 3Y41.5%
EPS 5Y11.95%
EPS Q2Q%268.51%
Revenue 1Y (TTM)-5.75%
Revenue growth 3Y27.38%
Revenue growth 5Y10.76%
Sales Q2Q%51.85%

3.2 Future

BSBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.00% yearly.
The Revenue is expected to grow by 5.21% on average over the next years.
EPS Next Y12.2%
EPS Next 2Y3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.55%
Revenue Next 2Y5.21%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BSBK Yearly Revenue VS EstimatesBSBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BSBK Yearly EPS VS EstimatesBSBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.02 indicates a correct valuation of BSBK.
Based on the Price/Earnings ratio, BSBK is valued a bit more expensive than the industry average as 62.63% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of BSBK to the average of the S&P500 Index (26.70), we can say BSBK is valued slightly cheaper.
BSBK is valuated correctly with a Price/Forward Earnings ratio of 13.21.
Based on the Price/Forward Earnings ratio, BSBK is valued a bit more expensive than 70.45% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.49, BSBK is valued a bit cheaper.
Industry RankSector Rank
PE 14.02
Fwd PE 13.21
BSBK Price Earnings VS Forward Price EarningsBSBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BSBK Per share dataBSBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

BSBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)1.17
EPS Next 2Y3%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for BSBK!.
Industry RankSector Rank
Dividend Yield N/A

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BOGOTA FINANCIAL CORP

NASDAQ:BSBK (5/19/2025, 8:00:02 PM)

7.0086

+0.04 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29
Inst Owners7.89%
Inst Owner Change-0.56%
Ins Owners2.6%
Ins Owner Change0%
Market Cap91.53M
Analysts43.33
Price TargetN/A
Short Float %0.51%
Short Ratio6.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-55.49%
Min Revenue beat(2)-55.99%
Max Revenue beat(2)-54.98%
Revenue beat(4)0
Avg Revenue beat(4)-54.78%
Min Revenue beat(4)-55.99%
Max Revenue beat(4)-53.33%
Revenue beat(8)0
Avg Revenue beat(8)-46.22%
Revenue beat(12)3
Avg Revenue beat(12)-29.9%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.02
Fwd PE 13.21
P/S 7.69
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)0.5
EY7.13%
EPS(NY)0.53
Fwd EY7.57%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS0.91
BVpS10.51
TBVpS10.5
PEG (NY)1.15
PEG (5Y)1.17
Profitability
Industry RankSector Rank
ROA -0.22%
ROE -1.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.19%
ROA(5y)0.35%
ROE(3y)1.27%
ROE(5y)2.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 119.68%
Cap/Sales 5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC13.66%
ROIC/WACCN/A
Cap/Depr(3y)76.8%
Cap/Depr(5y)245.23%
Cap/Sales(3y)2.65%
Cap/Sales(5y)5.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.99%
EPS 3Y41.5%
EPS 5Y11.95%
EPS Q2Q%268.51%
EPS Next Y12.2%
EPS Next 2Y3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.75%
Revenue growth 3Y27.38%
Revenue growth 5Y10.76%
Sales Q2Q%51.85%
Revenue Next Year8.55%
Revenue Next 2Y5.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-381.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-278.1%
OCF growth 3YN/A
OCF growth 5YN/A