Company Overview
Bogota Financial Corp. functions as the bank holding company for Bogota Savings Bank, providing a suite of banking products and services across the United States. The institution's core offerings include various deposit accounts such as demand accounts, savings accounts, money market accounts, and certificate of deposit accounts, alongside other standard banking services. Operating within the Financial Services sector and the Banks - Regional industry, the company serves as a regional financial entity focused on deposit gathering and lending activities. The company currently holds a market capitalization of $106.99M and reports annual revenue of $17.37M, while the number of employees is listed as N/A. These valuation and revenue figures indicate that Bogota Financial Corp. operates on a relatively small scale compared to major national banks, positioning it as a niche player in the regional banking landscape where market cap and revenue are tightly correlated with local deposit bases rather than diversified income streams.
Financial Health
The company reported revenue of $17.37M for the trailing twelve months, generating a net income of $2.09M, whereas EBITDA is listed as N/A. The significant gap between the total revenue figure and the net income figure reveals a cost structure where operating expenses, such as salaries, technology costs, and regulatory fees, consume a substantial portion of the top line before reaching the bottom line. The free cash flow metric is listed as N/A, which suggests that the company's financial flexibility regarding capital expenditure and operational cash generation is not explicitly quantified in the current reporting period or that cash flow is fully reinvested or utilized for debt servicing. Analyzing the margins shows a gross margin of 0.0%, an operating margin of 17.0%, and a profit margin of 12.0%. The 0.0% gross margin is standard for the banking industry due to the nature of deposit-taking and lending services, while the 17.0% operating margin indicates efficient management of overhead costs relative to revenue, and the 12.0% profit margin reflects the final earnings power after all expenses including interest. Comparing the balance sheet, the company holds $35.60M in cash against $103.76M in debt, with a debt-to-equity ratio listed as N/A. The disparity between total cash and total debt suggests a leveraged balance sheet where liabilities significantly exceed liquid assets, implying reliance on continued deposit inflows or refinancing capabilities. The current ratio is listed as N/A, meaning specific short-term liquidity ratios are not disclosed in the provided data, preventing a direct assessment of immediate solvency via this specific metric. Return on Equity stands at 1.5% and Return on Assets is 0.2%, metrics that reveal limited management effectiveness in generating substantial returns on the capital base and assets held, respectively, which is common in smaller regional institutions but warrants attention regarding capital efficiency.
Valuation Assessment
The trailing P/E ratio is 48.53 while the forward P/E is 23.57, indicating a substantial difference between current earnings expectations and future projections that implies the market anticipates significant earnings growth or a re-rating of the stock in the coming periods. The price-to-book ratio is 0.74, which indicates that the market values the company at less than its book value, suggesting the stock trades at a discount to the net asset value of its equity. The price-to-sales ratio stands at 6.16 and the EV/EBITDA is N/A, where the high P/S multiple relative to the small market cap suggests the market is pricing in significant growth potential or intangible value not captured by book value, while the absence of EV/EBITDA limits the ability to assess enterprise value multiples. The stock's 52-week high is $9.50 and the 52-week low is $6.59, placing the current trading context within a range of approximately $2.91 per share. Without a specific current share price provided in the source text, the exact percentage deviation cannot be calculated, but the range demonstrates a volatility span of roughly 44% over the past year. The beta value is 0.18, which means the stock's price volatility is significantly lower than the broader market, indicating it moves with much less intensity than the overall market index.
Growth & Income
Revenue growth year-over-year is 44.0% while earnings growth year-over-year is N/A, implying that top-line expansion is occurring rapidly even though the specific rate of net income growth cannot be quantified in the current dataset. Since the company does not pay dividends, as indicated by a dividend yield of N/A and a payout ratio of 0.0%, it reinvests its earnings into growth initiatives, debt reduction, or capital reserves rather than distributing cash to shareholders. The overall growth and income profile is characterized by aggressive revenue expansion in the absence of a dividend program, creating a capital-light growth narrative typical of small-cap financial institutions seeking to scale their deposit franchises.