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BOGOTA FINANCIAL CORP (BSBK) Stock Fundamental Analysis

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

8  +0.01 (+0.13%)

Fundamental Rating

2

Taking everything into account, BSBK scores 2 out of 10 in our fundamental rating. BSBK was compared to 402 industry peers in the Banks industry. The financial health of BSBK is average, but there are quite some concerns on its profitability. BSBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BSBK had negative earnings in the past year.
BSBK had a negative operating cash flow in the past year.
BSBK had positive earnings in each of the past 5 years.
BSBK had a positive operating cash flow in each of the past 5 years.
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 2M 4M 6M 8M 10M

1.2 Ratios

BSBK has a worse Return On Assets (-0.25%) than 93.07% of its industry peers.
BSBK's Return On Equity of -1.77% is on the low side compared to the rest of the industry. BSBK is outperformed by 92.57% of its industry peers.
Industry RankSector Rank
ROA -0.25%
ROE -1.77%
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
BSBK Yearly ROA, ROE, ROICBSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2017 2018 2019 2020 2021 2022 2023 1 2 3 4 5

1.3 Margins

BSBK's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for BSBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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
BSBK Yearly Profit, Operating, Gross MarginsBSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2017 2018 2019 2020 2021 2022 2023 10 20 30

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4

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
Compared to 5 years ago, BSBK has more shares outstanding
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.
BSBK Yearly Shares OutstandingBSBK Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 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 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
WACC11.04%
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 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for BSBK have decreased strongly by -166.59% in the last year.
The earnings per share for BSBK have been decreasing by -30.63% on average. This is quite bad
The Revenue for BSBK has decreased by -36.38% 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)-166.59%
EPS 3Y-33.59%
EPS 5Y-30.63%
EPS Q2Q%N/A
Revenue 1Y (TTM)-36.38%
Revenue growth 3Y3.08%
Revenue growth 5Y3.09%
Sales Q2Q%-14.97%

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.
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 2014 2015 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

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1

4. Valuation

4.1 Price/Earnings Ratio

BSBK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
BSBK is valuated correctly with a Price/Forward Earnings ratio of 15.08.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BSBK indicates a slightly more expensive valuation: BSBK is more expensive than 68.81% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. BSBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 15.08
BSBK Price Earnings VS Forward Price EarningsBSBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
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 (3/7/2025, 8:08:35 PM)

8

+0.01 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)04-28 2025-04-28
Inst Owners7.89%
Inst Owner Change0.64%
Ins Owners2.6%
Ins Owner Change0%
Market Cap104.48M
Analysts43.33
Price TargetN/A
Short Float %0.23%
Short Ratio1.48
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)-54.15%
Min Revenue beat(2)-54.98%
Max Revenue beat(2)-53.33%
Revenue beat(4)0
Avg Revenue beat(4)-53.63%
Min Revenue beat(4)-54.98%
Max Revenue beat(4)-51.43%
Revenue beat(8)0
Avg Revenue beat(8)-39.66%
Revenue beat(12)4
Avg Revenue beat(12)-23.57%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 15.08
P/S 8.56
P/FCF N/A
P/OCF N/A
P/B 0.76
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)-0.19
EYN/A
EPS(NY)0.53
Fwd EY6.63%
FCF(TTM)-0.18
FCFYN/A
OCF(TTM)-0.13
OCFYN/A
SpS0.93
BVpS10.49
TBVpS10.47
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.25%
ROE -1.77%
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)0.56%
ROA(5y)0.46%
ROE(3y)3.5%
ROE(5y)3.07%
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 3Y-34.32%
PM growth 5Y-33.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 117.31%
Cap/Sales 4.93%
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-Score3
WACC11.04%
ROIC/WACCN/A
Cap/Depr(3y)152.78%
Cap/Depr(5y)231.97%
Cap/Sales(3y)3.04%
Cap/Sales(5y)4.47%
Profit Quality(3y)126.01%
Profit Quality(5y)134.57%
High Growth Momentum
Growth
EPS 1Y (TTM)-166.59%
EPS 3Y-33.59%
EPS 5Y-30.63%
EPS Q2Q%N/A
EPS Next Y-5.45%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-36.38%
Revenue growth 3Y3.08%
Revenue growth 5Y3.09%
Sales Q2Q%-14.97%
Revenue Next Year1.97%
Revenue Next 2YN/A
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-123.42%
FCF growth 3Y-34.86%
FCF growth 5Y-21.1%
OCF growth 1Y-116.83%
OCF growth 3Y-37.19%
OCF growth 5Y-19.23%