BSBKNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Bogota Financial Corp.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$9.06−0.07 (-0.77%)
Close on Oct 19, 2026
- Market cap
- $113.32M
- P/E (TTM)
- 41.2
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2017 to 2025
Net margin
12.1%−1.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +44.9% | -10.7% | +3.2% | – | |
| Net income | – | -32.8% | +0.2% | – | |
| EPS, diluted | – | -30.7% | 0.0% | – | |
| Free cash flow | – | -33.4% | -5.0% | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 2.0% | 1.5% | |
| Return on assets | – | 0.3% | 0.2% | |
| Capex to revenue | – | 11.9% | 0.4% | |
| Diluted shares | – | 12M | 13M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Bogota Financial generated $24.02M from operations and spent $19.86M on capital expenditure, dividends and share buybacks. 13% of that went back into the business.
Generated
$24.02M
Used
$19.86M
Capital expenditure$2.68M13%Dividends$00%Share buybacks$17.18M87%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin12.1%
×Asset turnover0.02×
×Equity multiplier6.74×
=Return on equity, FY20251.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 12.1% | 0.02× | 6.74× | 1.5% |
| FY2024 | -18.2% | 0.01× | 6.96× | -1.6% |
| FY2023 | 4.0% | 0.02× | 6.83× | 0.5% |
| FY2022 | 28.4% | 0.03× | 6.23× | 4.8% |
| FY2021 | 31.6% | 0.03× | 5.72× | 5.4% |
| FY2020 | 14.1% | 0.02× | 7.41× | 2.0% |
| FY2019 | 20.7% | 0.02× | 9.71× | 3.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$2.09M
- Cash generatingOperating cash flow above zero$3.20M
- Return on assets improvedROA up on the prior year-0.2% → 0.2%
- Earnings backed by cashOperating cash flow above net income$3.20M vs $2.09M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise13M → 13M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.02