Stocks · Financial Services · Banks - Regional
Bogota Financial Corp. BSBK
$9.09 +0.33% Close, Oct 2, 2026 · NASDAQ · Market cap $116.8M
Low risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 6.8% from -0.5% a year earlier.
- The stock is in an uptrend: above its 200-day average for 86 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $7.35B (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 20%
- FCF growth (TTM, YoY)Top 2%
- Revenue growth, 3-year CAGRBottom 40%
- Revenue growth accelerationBottom 40%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 15%
- Operating marginBottom 16%
- Cash conversion (OCF / net income)Top 25%
- Accruals (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Top 1%
- Interest coverBottom 13%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 26%
- Free-cash-flow yieldBottom 31%
- P/E vs own 5-year history (lower is better)Bottom 34%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 27%
- 6-month returnBottom 46%
- 1-year return vs S&P 500Bottom 33%
- Distance from 52-week highTop 22%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 6%
- Consecutive EPS beatsBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsTop 29%
- Beta vs S&P 500 (lower is better)Top 14%
- Net debt / EBITDA (lower is better)Top 1%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -1.6% | -3.1% | ↓ |
| Gross margin | 33.0% | 41.7% | ↑ |
| Operating margin | -0.5% | 6.8% | ↑ |
| FCF margin | 1.0% | 9.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -3.1% | -1.6% | ↓ | Bottom 20% |
| Gross margin | 41.7% | 33.0% | ↑ | Bottom 15% |
| Operating margin | 6.8% | -0.5% | ↑ | Bottom 16% |
| Net margin | 6.0% | -0.8% | ↑ | — |
| Free-cash-flow margin | 9.4% | 1.0% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 12.5% | — | Bottom 40% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.68×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -4.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2223.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.77%
- Shareholder yield
- 1.77%
- Share count change, 1 year
- -1.1%
- Share count change, 3-year CAGR
- -1.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 0 of 8
- Average EPS surprise, last 4
- -91.7%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | -33.3% | +2.0% | +0.9% | +4.2% | — |
| May 6, 2026 | — | -0.1% | +1.8% | +7.0% | +7.7% |
| Feb 13, 2026 | -44.4% | +0.0% | +1.3% | -1.5% | +0.2% |
| Nov 3, 2025 | — | +0.0% | -0.5% | -2.3% | -1.8% |
| Jul 31, 2025 | — | +2.1% | +3.2% | +13.7% | +7.3% |
| Apr 30, 2025 | — | -2.4% | -1.0% | -0.1% | +14.0% |
| Feb 14, 2025 | -177.8% | +1.5% | +1.4% | +0.0% | -10.9% |
| Nov 1, 2024 | -111.1% | +3.0% | -0.4% | +0.6% | -3.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.06 | $0.09 | -33.3% | $10.2M |
| May 6, 2026 | $0.06 | — | — | $10.8M |
| Feb 13, 2026 | $0.05 | $0.09 | -44.4% | $11.2M |
| Nov 3, 2025 | $0.04 | — | — | $10.9M |
| Jul 31, 2025 | $0.02 | — | — | $10.8M |
| Apr 30, 2025 | $0.06 | — | — | $11.8M |
| Feb 14, 2025 | -$0.07 | $0.09 | -177.8% | $3.2M |
| Nov 1, 2024 | -$0.01 | $0.09 | -111.1% | $3.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 43.3× | 24.6× | 73th | Bottom 26% |
| Free-cash-flow yield | 3.50% | — | — | Bottom 31% |
| Earnings yield | 2.31% | — | — | Bottom 26% |
P/E over the past five years
Range 16.9× – 219.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 86
- 50-day average slope (20 days)
- +0.4%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +4.3%
- RSI (14)
- 48.8
- Relative volume
- 1.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.2%
- Volatility vs own 5-year history
- 28th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.05
- Correlation with S&P 500
- 0.04
- Current drawdown from 1-year high
- -3.6%
- Maximum drawdown, 3 years
- -21.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 6, 2023 | Jun 25, 2024 | -43.6% | 326 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $116.8M
- P/E (TTM)
- 43.3
- EPS, diluted (TTM)
- $0.21
- Revenue (TTM)
- $43.2M
- 52-week range
- $8.10 – $9.55
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $27.6M | $31.5M | $38.4M | $43.1M | $44.8M |
| Gross profit | $21.9M | $23.8M | $16.2M | $12.0M | $17.4M |
| Operating income | $9.4M | $9.5M | $480,378 | -$2.5M | $2.1M |
| Net income | $7.5M | $6.9M | $642,535 | -$2.2M | $2.1M |
| EPS (diluted) | $0.52 | $0.51 | $0.05 | -$0.17 | $0.17 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.9M | $11.0M | $11.8M | $10.8M | $10.9M | $11.2M | $10.8M | $10.2M |
| Net income | -$366,960 | -$930,000 | $730,947 | $224,395 | $454,625 | $680,811 | $705,946 | $747,522 |
| EPS (diluted) | -$0.03 | -$0.07 | $0.06 | $0.02 | $0.04 | $0.05 | $0.06 | $0.06 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $6.0M | $10.9M | $1.4M | -$2.6M | $3.20B |
| Capital expenditure | -$1.5M | -$241,474 | -$318,035 | -$594,787 | -$70,369 |
| Free cash flow | $4.5M | $10.6M | $1.1M | -$3.2M | $3.20B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$481,468 | -$10.1M | -$3.8M | -$1.7M | -$1.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $147.91B
- Total assets
- $875.0M
- Total liabilities
- $733.0M
- Total debt
- $151.8M
- Net debt
- -$7.35B
- Shareholders’ equity
- $142.0M
As of Jun 30, 2026 (filed Aug 13, 2026).
Short interest
- Shares sold short
- 18,273
- Days to cover
- 3.57
- Change vs previous report
- -14.8%
FINRA short interest, settlement date Sep 15, 2026.