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Bogota Financial Corp (BSBK) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Bogota Financial Corp $2.44, price $9.13, upside -73.3%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · US · ISIN US0972351052

BF Bogota Financial Corp logo Broad data Sep 23, 2026

Bogota Financial Corp

BSBK · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $2.44 · Strongly overvalued (−73%)
✓Quality 65/100
!Mixed Growth (revenue 5y +12.9 %/yr)
✓Solidly profitable · 11.8% net margin (TTM)
✓Moderate debt · generates free cash flow
!Trails peers (3/13)
!Narrow moat 39/100
!Weak on future: 15 out of 100
!Weak on past: 6 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$11.60 $6.54 Fair Value $2.44 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $6.54 – $11.60 · fair‑value band $1.83 – $3.05 · the $9.13 price screens above the $2.44 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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.

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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 comprising lines of credit; commercial and industrial loans; and construction loans. In addition, it buys, sells, and holds investment securities. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.

Stock analysis

Bogota Financial Corp (BSBK) currently trades at $9.13, while our model-based Fair Value estimate is $2.44, implying the stock looks roughly 274.0% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $7.34 per share, and 0 of the 4 models we run sit above the $9.13 price.

Bear case: the Multiples group reads lowest at $2.11, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: $1.83 (bear) to $3.05 (bull), the price of $9.13 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bogota Financial Corp reported revenue of $44.8M in FY2025 versus $27.6M in FY2021, a compound +12.8%/yr. Reported net income was $2.1M in FY2025, compounding −27.4%/yr from FY2021.

Key figures

Market cap $115M · P/E ratio 53.7 · P/S ratio 2.51 · EPS (TTM) $0.1700 · Net margin 4.7% · Return on equity 1.5% · Return on assets (EBIT) 10.6% · Operating margin 21.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 12% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −73%, BSBK screens richer than that median.

Fair Value models

Bear $1.83 Fair Value $2.44 Bull $3.05
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.1248 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $6.81 $6.13 $3.99 71
P/E Multiple $1.59 $2.11 $2.64 63
P/B Multiple $2.07 $2.77 $3.46 55
All 4 models by family
Multiples
P/E Multiple $1.59 $2.11 $2.64 63
P/B Multiple $2.07 $2.77 $3.46 55
Asset-Based
NCAV (Graham) $5.48 $7.34 $10.96 54
Economic Profit
Residual Income $6.81 $6.13 $3.99 71

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Quality Score breakdown

Overall quality 65/100

Of which business quality 59 · Market factors (momentum, volatility) 62

Profitability 14
Margins and returns on capital today
Quality Growth 67
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 44
Price trend over the last 3–12 months (market factor)
52W Momentum 54
Distance to the 52-week high (market factor)
Net Issuance 95
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 93/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.9%
Start year 2020 (pandemic). Over 10 years: +9.1% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−17.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−17.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−17% vs −7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 5%
Start year 2020 (pandemic)

BSBK screens 274% overvalued. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks

Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside −73% · Bottom 25%
Profitability
Return on equity (TTM) 1% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 12% · Bottom 25%
Operating margin (TTM) 22% · Bottom 25%
Growth and dividend
Revenue growth 3% · Below median
Balance sheet
Debt / equity 0.52× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 53.7× · Priciest 25%
P/B 0.82× · Cheaper than median
P/S (TTM) 6.59× · Priciest 25%
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 61.9× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)15 · sector 45
PAST (return on equity)6 · sector 41
HEALTH (low debt)74 · sector 85
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bogota Financial Corp · Fair Value
$2.44 −274%Fair Value
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Cite: Fair Value Calculator (2026). "Bogota Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/BSBK

Frequently asked questions

Is Bogota Financial Corp (BSBK) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $2.44 versus a price of $9.13, about −73% upside (overvalued).
What is the fair value of BSBK?
Our model-based fair value for Bogota Financial Corp is $2.44 (as of Sep 23, 2026), built from audited fundamentals. The current price: $9.13.
What is the quality score of BSBK?
Bogota Financial Corp has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bogota Financial Corp (BSBK)?
Our model-based price target is the fair value of $2.44 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $1.83, optimistic scenario $3.05. It is a calculation from audited fundamentals, not an analyst target.
What is the Bogota Financial Corp stock forecast for 2026?
Our models put fair value at $2.44, about −73% upside versus a price of $9.13 (overvalued). Cautious scenario $1.83, optimistic scenario $3.05. The calculation is refreshed regularly with new filings.
What is the revenue of Bogota Financial Corp (BSBK)?
Bogota Financial Corp reported trailing-twelve-month revenue of about $17.5M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Bogota Financial Corp (BSBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bogota Financial Corp it is $2.44 per share (as of Sep 23, 2026), against a price of $9.13. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bogota Financial Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BSBK trades above its calculated fair value: price $9.13, fair value $2.44, a gap of about −73% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BSBK?
No. The price is what the market pays today ($9.13); the fair value is what the company's own numbers justify ($2.44). For Bogota Financial Corp the two are $6.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bogota Financial Corp worth?
The market values Bogota Financial Corp at about $115M (market capitalisation, as of Sep 23, 2026). Per share that is $9.13; our models calculate a fair value of $2.44 per share.
What do the bullish and bearish scenarios say about BSBK?
Our models span a range for Bogota Financial Corp: cautious scenario $1.83, base $2.44, optimistic $3.05 per share (as of Sep 23, 2026, price $9.13). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BSBK?
Bogota Financial Corp trades at a price-to-earnings ratio of 53.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.44 is built from several models across several years. Other multiples: P/B 0.8, P/S 6.6, EV/EBITDA 61.9.
How solid is the balance sheet of Bogota Financial Corp (BSBK)?
Balance-sheet figures for Bogota Financial Corp (as of Sep 23, 2026): return on equity 1.5%, debt of 0.52 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is BSBK from its 52-week high?
Bogota Financial Corp trades at $9.13, about 3% below its 52-week high of $9.43 and 12% above the low of $8.15 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $2.44 is for.
Which stocks are comparable to Bogota Financial Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bogota Financial Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $9.13, calculated fair value $2.44 (−73%), Quality Score 65/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BSBK calculated?
We run Bogota Financial Corp through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.44, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Bogota Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bogota Financial Corp (BSBK)?
The closing price on Sep 23, 2026 was $9.13. Our model-based fair value is $2.44, about −73% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bogota Financial Corp right now?
The price sits above even our optimistic bull case ($3.05). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bogota Financial Corp

How large is the market capitalisation of Bogota Financial Corp (BSBK)?
The market capitalisation of Bogota Financial Corp is $115M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bogota Financial Corp (BSBK)?
The price-to-sales ratio of Bogota Financial Corp is 2.51 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bogota Financial Corp (BSBK)?
Earnings per share at Bogota Financial Corp are $0.1700 (price ÷ EPS = P/E 53.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bogota Financial Corp (BSBK)?
The net margin of Bogota Financial Corp is 4.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bogota Financial Corp (BSBK)?
The return on equity (ROE) of Bogota Financial Corp is 1.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bogota Financial Corp (BSBK)?
On an EBIT basis the return on assets of Bogota Financial Corp is 10.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bogota Financial Corp (BSBK)?
The operating margin of Bogota Financial Corp is 21.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bogota Financial Corp (BSBK)?
Revenue at Bogota Financial Corp is growing +3.0% versus a year earlier (3y avg +12.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bogota Financial Corp (BSBK)?
Earnings per share at Bogota Financial Corp are growing −3.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bogota Financial Corp (BSBK) generate?
The free cash flow of Bogota Financial Corp is $3.2B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bogota Financial Corp (BSBK) carry?
The net debt of Bogota Financial Corp is $68.2M (fiscal year 2025, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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