BOGOTA FINANCIAL CORP (BSBK)
US0972351052 - Common Stock
We assign a fundamental rating of 2 out of 10 to BSBK. BSBK was compared to 412 industry peers in the Banks industry. While BSBK seems to be doing ok healthwise, there are quite some concerns on its profitability. BSBK does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
BSBK had positive earnings in the past year.
In the past year BSBK had a positive cash flow from operations.
Each year in the past 5 years BSBK has been profitable.
In the past 5 years BSBK always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.07%, BSBK is doing worse than 93.45% of the companies in the same industry.
BSBK has a Return On Equity of 0.47%. This is amonst the worse of the industry: BSBK underperforms 93.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 0.47% | ||
| ROIC | N/A |
ROA(3y)0.56%
ROA(5y)0.46%
ROE(3y)3.5%
ROE(5y)3.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 3.99%, BSBK is doing worse than 94.17% of the companies in the same industry.
In the last couple of years the Profit Margin of BSBK has declined.
BSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-34.32%
PM growth 5Y-33.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
BSBK has less shares outstanding than it did 1 year ago.
BSBK has more 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.
2.2 Solvency
There is no outstanding debt for BSBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -88.45%.
The earnings per share for BSBK have been decreasing by -30.62% on average. This is quite bad
The Revenue for BSBK has decreased by -33.47% in the past year. This is quite bad
BSBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.09% yearly.
EPS 1Y (TTM)-88.45%
EPS 3Y-33.57%
EPS 5Y-30.62%
EPS growth Q2Q-165.89%
Revenue 1Y (TTM)-33.47%
Revenue growth 3Y3.08%
Revenue growth 5Y3.09%
Revenue growth Q2Q-48.88%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-5.45%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.97%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 112.77 indicates a quite expensive valuation of BSBK.
Compared to the rest of the industry, the Price/Earnings ratio of BSBK indicates a rather expensive valuation: BSBK more expensive than 93.69% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BSBK to the average of the S&P500 Index (28.06), we can say BSBK is valued expensively.
A Price/Forward Earnings ratio of 12.76 indicates a correct valuation of BSBK.
Based on the Price/Forward Earnings ratio, BSBK is valued a bit more expensive than the industry average as 66.99% of the companies are valued more cheaply.
BSBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 112.77 | ||
| Fwd PE | 12.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BSBK is valued expensively inside the industry as 87.14% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 80.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
BSBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BOGOTA FINANCIAL CORP
NASDAQ:BSBK (5/2/2024, 7:00:01 PM)
6.7662
-0.03 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap89.65M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 112.77 | ||
| Fwd PE | 12.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 0.47% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 3.99% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-88.45%
EPS 3Y-33.57%
EPS 5Y
EPS growth Q2Q
EPS Next Y-5.45%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-33.47%
Revenue growth 3Y3.08%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y