Présentation de l'entreprise
Bogota Financial Corp. functions as a bank holding company for Bogota Savings Bank, delivering a comprehensive suite of banking products and services within the United States. The institution specializes in offering various deposit accounts, including demand accounts, savings accounts, money market accounts, and certificates of deposit accounts to its clientele. This entity operates within the Financial Services sector, specifically categorized under the Banks - Regional industry, which characterizes institutions that serve local communities with tailored financial solutions rather than operating on an national or global scale. The company's current market capitalization stands at $112.18M, reflecting a relatively modest valuation typical for regional banking entities, while its trailing twelve-month revenue is reported at $17.37M. Although specific employee count data is not available in the provided records, the scale indicated by the market cap and revenue suggests a niche operational footprint focused on deposit gathering and localized lending activities. These financial metrics collectively position Bogota Financial Corp. as a smaller-cap player whose market valuation does not currently command a premium comparable to larger national banks, indicating a business model heavily reliant on regional economic conditions and deposit stability.
Santé financière
The company reported a revenue of $17.37M over the trailing twelve months, with a corresponding net income of $2.09M, while EBITDA data is not disclosed in the available facts. The significant disparity between the gross revenue figure and the net income result reveals a substantial cost structure where operating expenses absorb a considerable portion of the top line before reaching the bottom line. Free cash flow metrics are not reported for this entity, which implies that cash generation data is either not calculated or disclosed, limiting the immediate assessment of operational liquidity beyond the cash balance held. The balance sheet presents a gross margin of 0.0%, a standard characteristic for financial institutions where the cost of funds roughly equals the revenue generated from interest income, resulting in no traditional gross profit margin. An operating margin of 17.0% indicates that the company successfully covers its overhead costs to generate a healthy return on its core banking operations, while a profit margin of 12.0% demonstrates the final efficiency in converting sales into actual earnings. The company holds $35.60M in cash against $104.12M in debt, creating a net liability position that suggests a leveraged balance sheet rather than a conservative one, although the debt-to-equity ratio is not available for direct calculation. A current ratio is not provided in the source data, preventing a direct quantitative assessment of the company's ability to meet short-term obligations with its short-term assets. Furthermore, the Return on Equity stands at 1.5% and the Return on Assets is recorded at 0.2%, figures that reveal a management effectiveness profile where capital is utilized sparingly to generate returns, potentially indicating a low-yield asset portfolio or high equity base relative to earnings.
Évaluation de la valorisation
The trailing twelve-month Price-to-Earnings ratio is 50.88, whereas the forward P/E is projected at 24.71, suggesting a market expectation of significant earnings growth or a correction in current earnings multiples. The substantial difference between the trailing and forward P/E ratios implies that investors anticipate a substantial improvement in future earnings performance, likely driven by anticipated fee income growth or net interest margin expansion. The price-to-book ratio is calculated at 0.77, indicating that the market values the company at less than its net asset book value, which is a common valuation characteristic for regional banks with conservative lending books. The price-to-sales ratio stands at 6.46, highlighting a valuation that places a premium on revenue generation despite the low book value, while the EV/EBITDA metric is not available for comparison. Over the last fiscal year, the stock traded between a 52-week low of $6.69 and a 52-week high of $9.50, with the current share price situated within this established volatility range. The beta value is recorded at 0.17, which signifies that the stock exhibits minimal price volatility relative to the broader market, making it a low-beta asset that moves independently of general market fluctuations. This low beta suggests that the company's stock price is less sensitive to systemic market risks, offering a distinct risk profile for investors seeking stability over market correlation.
Growth & Income
Revenue growth is reported at an impressive 44.0% year-over-year, while earnings growth data is not available for direct comparison in the provided facts. This divergence suggests that revenue expansion is the primary driver of recent financial performance, potentially due to a one-time event or a rapid increase in deposit base that has not yet fully translated into proportional net income growth. The company does not pay dividends, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, indicating a strategy of reinvesting all available earnings back into the business rather than distributing cash to shareholders. This lack of dividend distribution combined with the absence of a reported payout ratio confirms that the company prioritizes internal capital accumulation and growth initiatives over income generation for existing shareholders. The overall growth and income profile is characterized by rapid top-line expansion without current income distribution, positioning the company as a pure growth play within the regional banking sector.