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Upturn AI SWOT - About
BSBK 
Bogota Financial Corp (BSBK)
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Upturn Advisory Summary
04/01/2025: BSBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 0.71% | Avg. Invested days 73 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 103.29M USD | Price to earnings Ratio - | 1Y Target Price 12 |
Price to earnings Ratio - | 1Y Target Price 12 | ||
Volume (30-day avg) 5520 | Beta 0.53 | 52 Weeks Range 6.40 - 8.66 | Updated Date 03/30/2025 |
52 Weeks Range 6.40 - 8.66 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.19 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -17.68% | Operating Margin (TTM) -6.51% |
Management Effectiveness
Return on Assets (TTM) -0.23% | Return on Equity (TTM) -1.6% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 281914272 | Price to Sales(TTM) 8.08 |
Enterprise Value 281914272 | Price to Sales(TTM) 8.08 | ||
Enterprise Value to Revenue 23.56 | Enterprise Value to EBITDA - | Shares Outstanding 13074900 | Shares Floating 3774094 |
Shares Outstanding 13074900 | Shares Floating 3774094 | ||
Percent Insiders 68.41 | Percent Institutions 7.91 |
Analyst Ratings
Rating 3 | Target Price 12 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bogota Financial Corp
Company Overview
History and Background
Bogota Financial Corp, operating as Bogota Savings Bank, was founded in 1893. It has evolved from a local savings institution to a community-focused bank providing a range of financial services in New Jersey.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Commercial Banking: Provides banking solutions for businesses, such as commercial loans, lines of credit, and treasury management services.
- Wealth Management: Offers financial planning and investment services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team responsible for strategic direction and operational oversight. The structure includes various departments such as lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers various mortgage products. Market share is estimated around 0.5% within its regional market. Competitors include larger regional banks and national mortgage lenders. Revenue is around $5 million annually
- Commercial Loans: Provides loans to small and medium-sized businesses. Market share is estimated at around 0.3%. Competitors are other regional and community banks. Revenue is around $3 million annually
- Deposit Accounts: Checking, savings, and CD accounts. Market share is around 0.7% in the area. Competitors include national banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and regulatory changes.
Positioning
Bogota Financial Corp positions itself as a community bank with a focus on personalized service and local expertise. Its competitive advantage lies in its relationships with local customers.
Total Addressable Market (TAM)
The TAM for banking services in its operating region is estimated at $5 billion annually. Bogota Financial Corp's current market share places it as a smaller player with potential for growth.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- High customer satisfaction
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited marketing budget
Opportunities
- Expansion into new markets within New Jersey
- Adoption of new technologies to improve efficiency
- Partnerships with fintech companies
- Increase in commercial lending activity
Threats
- Rising interest rates
- Increased competition from larger banks
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- NTRS
- TCBI
- BK
Competitive Landscape
Bogota Financial Corp faces competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it lacks the scale and resources of its larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth has been slow and steady, primarily driven by organic growth in its core market.
Future Projections: Analysts project moderate growth in the coming years, driven by increased lending and deposit growth.
Recent Initiatives: Recent initiatives include expanding its online banking platform and increasing its marketing efforts to attract new customers.
Summary
Bogota Financial Corp is a stable community bank with a strong local presence. Its strengths include strong customer relationships and conservative lending practices. However, it faces challenges from larger competitors and a limited geographic reach and is rated around average in stability.
Similar Companies
BK
The Bank of New York Mellon Corporation
BK
The Bank of New York Mellon Corporation
CMA
Comerica Inc
CMA
Comerica Inc
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
NTRS
Northern Trust Corporation
NTRS
Northern Trust Corporation
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company website
- Analyst reports
- Industry publications
- SEC Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share and TAM figures are estimates. Financial metrics are not factual.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bogota Financial Corp
Exchange NASDAQ | Headquaters Teaneck, NJ, United States | ||
IPO Launch date 2020-01-16 | President, CEO & Director Mr. Kevin Pace | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans; consumer loans, such as home equity loans and lines of credit; commercial and industrial loans; and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.
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