Bogota Financial Corp. (BSBK) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Bogota Financial reported revenue of $17.2M, up 44.9% from $11.9M the year before. Net income was $2.1M (a 12.1% net margin), or $0.17 per diluted share. Net interest income was $15.5M, and the efficiency ratio (noninterest expense / revenue) was 88.7%. Operating activities generated $3.2M of cash, leaving $3.1M of free cash flow. At fiscal year end, Bogota Financial held $904.9M in total assets against $764.0M in total liabilities, including $35.6M of cash and equivalents.
Open the full interactive Bogota Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Bogota Financial Key Stats
| Share Price | $9.09 |
|---|---|
| Market Cap | $113.7M |
| P/E Ratio | 53.5 |
| Revenue YoY Growth | +44.9% |
| 52-Week Range | $8.15 – $9.43 |
| Shares Outstanding | 12.5 million (basic, 2026 Q2) |
Bogota Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $13.6M | $19.3M | $23.1M | $15.0M | $10.6M | $15.5M |
| Provision for Credit Losses | $200,000 | -$88,000 | $425,000 | -$125,000 | -$148,000 | -$130,000 |
| Noninterest Income | $1.1M | $4.5M | $1.1M | $1.1M | $1.3M | $1.8M |
| Noninterest Expense | $12.0M | $14.5M | $14.3M | $15.8M | $14.6M | $15.3M |
| Revenue | $14.7M | $23.8M | $24.2M | $16.1M | $11.9M | $17.2M |
| Pre-Tax Income | $2.5M | $9.4M | $9.5M | $480,378 | -$2.5M | $2.1M |
| Income Tax | $437,305 | $1.9M | $2.6M | -$162,157 | -$371,569 | -$18,278 |
| Net Income | $2.1M | $7.5M | $6.9M | $642,535 | -$2.2M | $2.1M |
| Diluted EPS | — | $0.54 | $0.51 | $0.05 | -$0.17 | $0.17 |
Bogota Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $4.2M | $4.5M | $4.7M | $4.5M |
| Net Income | $454,625 | $680,811 | $705,946 | $747,522 |
| Diluted EPS | $0.04 | $0.05 | $0.06 | $0.06 |
Bogota Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $80.4M | $105.1M | $16.8M | $24.9M | $52.2M | $35.6M |
| Loans (Net) | $557.7M | $570.2M | $719.0M | — | — | $647.6M |
| Total Assets | $740.9M | $837.4M | $951.1M | $939.3M | $971.5M | $904.9M |
| Deposits | $502.0M | $597.5M | $701.4M | $625.3M | $642.2M | $652.4M |
| Total Long-Term Debt | — | $85.1M | $102.3M | $130.2M | $142.7M | $73.3M |
| Total Liabilities | $612.4M | $689.8M | $811.4M | $802.2M | $834.2M | $764.0M |
| Shareholders' Equity | $128.5M | $147.6M | $139.7M | $137.2M | $137.3M | $140.9M |
Bogota Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $5.8M | $5.2M | $10.9M | $1.4M | -$2.6M | $3.2M |
| Cash From Investing | -$22.3M | $35.9M | -$210.7M | $21.5M | $10.1M | $50.1M |
| Cash From Financing | -$31.0M | -$16.4M | $111.6M | -$14.9M | $19.7M | -$69.9M |
| Free Cash Flow | $4.1M | $3.7M | $10.6M | $1.1M | -$3.2M | $3.1M |
Figures from Bogota Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Bogota Financial financials page for every line item.
Bogota Financial Company Profile
| Ticker | BSBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Teaneck, New Jersey |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001787414 |
Frequently Asked Questions
What was Bogota Financial's revenue in fiscal 2025?
Bogota Financial (BSBK) reported revenue of $17.2M for fiscal 2025.
What is Bogota Financial's annual revenue history?
Bogota Financial's annual revenue by fiscal year: 2020: $14.7M; 2021: $23.8M; 2022: $24.2M; 2023: $16.1M; 2024: $11.9M; 2025: $17.2M.
What was Bogota Financial's net income in fiscal 2025?
Bogota Financial reported net income of $2.1M for fiscal 2025.
What was Bogota Financial's earnings per share (EPS) in fiscal 2025?
Bogota Financial's diluted EPS was $0.17 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Bogota Financial generate in fiscal 2025?
Bogota Financial generated $3.1M of free cash flow in fiscal 2025.
What was Bogota Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Bogota Financial reported revenue of $4.5M.
How much debt does Bogota Financial have?
Bogota Financial reported $73.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Bogota Financial are outstanding?
Bogota Financial reported a weighted average of 12.5 million basic shares outstanding in 2026 Q2.
What is Bogota Financial's market cap?
Based on its latest closing price, Bogota Financial (BSBK) has a market capitalization of about $113.7M.
When does Bogota Financial's fiscal year end?
Bogota Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Bogota Financial headquartered?
Bogota Financial lists its business address in Teaneck, New Jersey in its SEC filings.
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