Bogota Financial Corp.

BSBK

Bogota Financial Corp.

BSBK

Insider Sentiment (TTM):

Last Purchase:2025-12-12Last Sale:-Shares Purchased (TTM):2,800Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:429,465Shares Outstanding:12,605,383Institutional Ownership Pct.:3.41%

Earnings Market Reaction:

Filing Date:2026-05-13Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institutions, Not Federally Chartered

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Bogota Financial Corp. (BSBK) — SEC Financial Statements & Analysis

Bogota Financial Corp. (BSBK) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Short Term Debt	-	-	-	-	-	-	-	-	-	-	-	-16
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	31
Cash And Due From Banks	13	12	10	9	8	18	11	8	7	14	7	11
Interest Bearing Deposits In Banks	15	24	22	11	17	34	10	9	8	11	18	18
Cash And Cash Equivalents At Carrying Value	28	36	31	20	26	52	21	18	14	25	25	29
Debt Securities Available For Sale Excluding Accru…	145	158	161	145	138	140	109	107	102	69	69	71
Notes Receivable Net	-	-	-	-	701	712	709	708	708	715	710	-
Financing Receivable Excluding Accrued Interest Af…	639	648	669	693	-	712	-	-	-	-	-	-
Debt Securities Held To Maturity Amortized Cost Af…	-	-	-	-	-	0	80	81	76	73	-	-
Held To Maturity Securities	-	-	-	-	-	-	-	-	-	73	66	70
Assets
Assets	877	905	926	922	930	971	979	975	961	939	927	931
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	-	-	706
Property Plant And Equipment Net	4	4	4	5	5	5	8	8	8	8	8	8
Federal Home Loan Bank Stock And Federal Reserve B…	6	5	6	7	7	9	10	9	8	9	7	-
Interest Receivable	4	4	4	4	4	4	4	4	4	4	4	4
Deposit Assets	0	0	0	0	0	0	0	0	0	0	0	0
Bank Owned Life Insurance	32	32	32	31	31	32	32	31	31	31	31	31
Operating Lease Right Of Use Asset	11	10	10	11	11	11	-	-	-	0	-	-
Equity Method Investments	2	2	3	-	-	0	-	-	-	-	-	-
Other Assets	5	5	5	6	7	7	6	9	9	7	8	6
Noninterest Bearing Deposit Liabilities	29	28	29	31	33	33	32	33	30	31	33	57
Interest Bearing Deposit Liabilities	572	624	618	598	600	610	597	616	636	595	612	599
Deposits	601	652	647	628	633	642	629	649	666	625	645	657
Federal Home Loan Bank Advances Maturities Summary…	59	20	35	40	25	30	54	60	29	38	39	-
Federal Home Loan Bank Advances Long Term	57	73	84	96	115	143	149	119	121	130	96	-
Advance Payments By Borrowers For Taxes And Insura…	3	3	3	3	3	3	3	3	3	3	3	4
Operating Lease Liability	11	10	10	11	11	11	-	-	-	0	-	-
Other Liabilities	5	5	5	5	6	6	7	7	7	6	5	4
Liabilities	735	764	785	783	792	834	842	838	824	802	789	792
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	55	55	55	55	55	55	55	56	56	56	57	57
Stockholders Equity
Stockholders Equity	142	141	141	138	138	137	137	136	136	137	138	139
Retained Earnings Accumulated Deficit	93	92	91	91	91	90	91	91	92	92	93	93
Unearned E S O P Shares	-	-	-	-	-	-	-	-	-	-	-	-5
Accumulated Other Comprehensive Income Loss Net Of…	-2	-2	-2	-4	-3	-4	-5	-6	-7	-6	-8	-7
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	-	-	-	0	0	0	-	0	0
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-	-	3
Liabilities And Stockholders Equity	877	905	926	922	930	971	979	975	961	939	927	931
Held To Maturity Securities Fair Value	-	-	-	-	-	-	75	74	69	65	57	62
Financing Receivable Allowance For Credit Losses	-	-	-	-	3	3	3	3	3	3	3	3
Financing Receivable Allowance For Credit Loss Exc…	3	3	3	3	3	3	3	3	-	-	-	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	30	30	30	30	30	30	30	30	30	30	30	30
Common Stock Shares Issued	13	13	13	13	13	13	13	13	13	13	13	13
Shares Outstanding	13	13	13	13	13	13	13	13	13	13	13	13
Stock Issued During Period Shares Employee Stock O…	-	-	-	-	-	-	-	-	-	-	-	0

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	5.31%	6.84%	-	-	-	-	-	-	-	-	-	-
2025	2.27%	13.57%	19.44%	8.35%	7.03%	-0.12%	-1.31%	2.74%	0.60%	3.64%	3.03%	9.70%
2024	1.17%	0.00%	8.90%	1.23%	10.38%	13.97%	2.11%	-5.59%	-4.47%	-10.21%	-9.36%	0.73%
2023	-	-	-	-9.90%	-10.75%	-13.77%	-2.58%	15.54%	14.97%	-3.95%	-4.94%	-5.37%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-	-	-	-	-	0.66	0.73	0.83	0.94	1.02	1.26	1.53
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	-	-	6,856.48
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	-	-	0.05
Per Share Metrics
Diluted EPS TTM	0.16	0.17	0.04	-0.03	-0.08	-0.17	-0.19	-0.16	-0.06	0.05	0.29	0.43
Free Cash Flow Per Share TTM	0.31	0.25	0.08	0.04	-0.00	-0.25	-0.18	-0.16	-0.25	0.09	0.24	0.45
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	38.30%	35.97%	32.08%	29.18%	26.97%	25.27%	15.96%	17.92%	22.46%	28.11%	49.26%	59.21%
Operating Profit Margin TTM	5.37%	4.82%	2.16%	-0.53%	-2.61%	-6.09%	-9.30%	-8.43%	-4.01%	1.29%	13.19%	21.53%
Net Profit Margin TTM	4.85%	4.86%	1.13%	-0.80%	-2.34%	-5.20%	-5.94%	-5.28%	-2.06%	1.72%	10.15%	15.97%
Growth Metrics
Net Revenue Growth (1Y)	-0.09%	3.02%	4.74%	8.26%	11.19%	11.99%	10.97%	10.71%	15.84%	22.85%	33.57%	38.00%
Net Income Growth (1Y)	-306.89%	-196.33%	-119.85%	-83.58%	26.21%	-437.79%	-164.94%	-136.60%	-112.23%	-90.66%	-46.85%	-7.10%
EPS Growth (1Y)	-307.61%	-197.36%	-119.95%	-83.36%	28.24%	-441.08%	-166.65%	-137.39%	-112.38%	-90.16%	-45.10%	-2.96%
Valuation Metrics
P/E TTM	51.87	51.05	239.56	-288.14	-97.04	-44.12	-43.55	-41.42	-115.02	161.52	25.88	18.78
P/B	0.75	0.76	0.82	0.71	0.70	0.70	0.77	0.63	0.67	0.76	0.70	0.77
P/S TTM	2.52	2.48	2.70	2.31	2.27	2.29	2.59	2.19	2.37	2.78	2.63	3.00
Market Cap	107.15M	106.74M	114.98M	98.43M	96.90M	95.76M	105.31M	86.17M	91.00M	103.78M	96.35M	106.73M
Enterprise Value	79.22M	71.14M	83.73M	78.10M	71.29M	43.52M	84.30M	68.58M	76.56M	78.85M	71.37M	108.43M
Calculated Values
Free Cash Flow TTM	3.86M	3.13M	1.05M	443.17K	-60.08K	-3.15M	-2.34M	-2.04M	-3.15M	1.12M	3.12M	5.90M
Net Debt	-27.92M	-35.60M	-31.25M	-20.33M	-25.61M	-52.23M	-21.00M	-17.59M	-14.43M	-24.93M	-24.98M	1.70M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-12-12Purchase

Owner: Masterson, John J.

Title: -

Shares: 2,200

Price/Share: $8.21

Value: $18,062.00

Shares Owned: 184,695

Relationship: Director

Ownership: Direct

2025-12-08Purchase

Owner: Masterson, John J.

Title: -

Shares: 600

Price/Share: $8.22

Value: $4,932.00

Shares Owned: 182,495

Relationship: Director

Ownership: Direct

2025-06-18Purchase

Owner: Masterson, John J.

Title: -

Shares: 1,200

Price/Share: $7.55

Value: $9,060.00

Shares Owned: 180,895

Relationship: Director

Ownership: Direct

2025-05-23Purchase

Owner: Masterson, John J.

Title: -

Shares: 1,400

Price/Share: $7.05

Value: $9,870.00

Shares Owned: 179,695

Relationship: Director

Ownership: Direct

2024-08-05Purchase

Owner: Masterson, John J.

Title: -

Shares: 1,800

Price/Share: $7.10

Value: $12,780.00

Shares Owned: 178,295

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-12-12	Masterson, John J.	Director	-	Direct	Purchase	2,200	8.21	$18,062.00	184,695	4
2025-12-08	Masterson, John J.	Director	-	Direct	Purchase	600	8.22	$4,932.00	182,495	4
2025-06-18	Masterson, John J.	Director	-	Direct	Purchase	1,200	7.55	$9,060.00	180,895	4
2025-05-23	Masterson, John J.	Director	-	Direct	Purchase	1,400	7.05	$9,870.00	179,695	4
2024-08-05	Masterson, John J.	Director	-	Direct	Purchase	1,800	7.10	$12,780.00	178,295	4
2024-06-07	Pace, Kevin	Director,Officer	President and CEO	Direct	Purchase	100	6.70	$670.00	44,015	4
2024-05-28	Masterson, John J.	Director	-	Direct	Purchase	208	6.78	$1,410.24	173,984	4
2024-05-02	Masterson, John J.	Director	-	Direct	Purchase	1,192	6.70	$7,986.40	173,776	4
2024-04-09	Walsh, Robert C.	Officer	Executive Vice President	Direct	Purchase	250	6.84	$1,710.00	4,750	4
2024-03-15	Masterson, John J.	Director	-	Direct	Purchase	1,400	7.30	$10,220.00	172,584	4
2024-03-15	Pace, Kevin	Director,Officer	President and CEO	Direct	Purchase	125	7.30	$912.50	43,903	4
2024-03-08	Pace, Kevin	Director,Officer	President and CEO	Direct	Purchase	75	7.38	$553.50	43,778	4
2024-03-07	Masterson, John J.	Director	-	Direct	Purchase	2,000	7.40	$14,800.00	169,255	4
2024-03-05	Masterson, John J.	Director	-	Direct	Purchase	331	7.65	$2,532.15	164,955	4
2024-03-05	Pace, Kevin	Director,Officer	President and CEO	Direct	Purchase	100	7.60	$760.00	43,603	4
2024-02-29	Masterson, John J.	Director	-	Direct	Purchase	2,900	7.79	$22,591.00	162,324	4
2024-02-08	Masterson, John J.	Director	-	Direct	Purchase	1,500	8.10	$12,150.00	154,271	4
2023-12-12	Masterson, John J.	Director	-	Direct	Purchase	4,000	6.78	$27,120.00	152,771	4
2023-12-06	Masterson, John J.	Director	-	Direct	Purchase	2,200	6.90	$15,180.00	146,451	4
2023-09-20	Walsh, Robert C.	Officer	Executive Vice President	Direct	Purchase	500	7.40	$3,700.00	4,500	4
2023-09-15	Coccaro, Joseph	Director,Officer	President and CEO	Direct	Purchase	1,000	7.25	$7,250.00	82,971	4
2023-09-13	Masterson, John J.	Director	-	Direct	Purchase	2,744	7.30	$20,031.20	140,064	4
2023-09-07	Masterson, John J.	Director	-	Direct	Purchase	3,000	7.32	$21,960.00	137,320	4
2023-09-05	Hanson, William Charles	Director	-	Indirect	Purchase	1,000	7.50	$7,500.00	1,000	4
2023-09-05	Masterson, John J.	Director	-	Direct	Purchase	4,000	7.45	$29,800.00	134,320	4
2023-08-29	Masterson, John J.	Director	-	Direct	Purchase	4,200	7.65	$32,130.00	130,320	4
2023-08-23	Masterson, John J.	Director	-	Direct	Purchase	2,100	7.90	$16,590.00	124,916	4
2023-08-21	Masterson, John J.	Director	-	Direct	Purchase	694	8.13	$5,642.22	121,816	4
2023-08-15	Masterson, John J.	Director	-	Direct	Purchase	1,000	8.15	$8,150.00	120,954	4
2023-06-02	Hanson, William Charles	Director	-	Direct	Purchase	3,000	7.88	$23,640.00	7,584	4
2023-06-01	Masterson, John J.	Director	-	Direct	Purchase	1,300	7.90	$10,270.00	119,320	4
2023-05-30	Masterson, John J.	Director	-	Direct	Purchase	2,392	8.00	$19,136.00	117,509	4
2023-05-26	Masterson, John J.	Director	-	Direct	Purchase	2,000	8.00	$16,000.00	115,117	4
2023-05-15	Masterson, John J.	Director	-	Direct	Purchase	95	7.99	$759.05	112,234	4
2023-05-11	Masterson, John J.	Director	-	Direct	Purchase	510	8.05	$4,105.50	111,692	4
2023-05-09	Masterson, John J.	Director	-	Direct	Purchase	2,115	8.10	$17,131.50	111,182	4
2023-05-08	Masterson, John J.	Director	-	Direct	Purchase	1,030	8.10	$8,343.00	109,067	4
2023-05-08	Pace, Kevin	Officer	Executive Vice President	Direct	Purchase	20	8.05	$161.00	43,353	4
2023-05-04	Goldberg, Steven M.	Director,Other	-	Direct	Purchase	1,000	8.41	$8,410.00	28,894	4
2023-05-03	Masterson, John J.	Director	-	Direct	Purchase	2,000	8.22	$16,440.00	108,037	4
2023-04-18	Masterson, John J.	Director	-	Direct	Purchase	200	8.90	$1,780.00	105,037	4
2023-03-14	Reiner, John G.	Director	-	Direct	Purchase	1,000	11.05	$11,050.00	2,300	4
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Institutional Ownership

No data available for chart

2026-03-31

3.41%

Inst. Shares: 429,465

Shares Outstanding: 12,605,383

2025-12-31

3.70%

Inst. Shares: 467,876

Shares Outstanding: 12,632,118

2025-09-30

3.69%

Inst. Shares: 466,963

Shares Outstanding: 12,637,950

2025-06-30

4.12%

Inst. Shares: 520,631

Shares Outstanding: 12,635,990

2025-03-31

4.29%

Inst. Shares: 542,961

Shares Outstanding: 12,649,573

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	429,465	12,605,383	3.41%
2025-12-31	467,876	12,632,118	3.70%
2025-09-30	466,963	12,637,950	3.69%
2025-06-30	520,631	12,635,990	4.12%
2025-03-31	542,961	12,649,573	4.29%
2024-12-31	531,778	12,767,410	4.17%
2024-09-30	524,400	12,702,683	4.13%
2024-06-30	515,123	12,803,925	4.02%
2024-03-31	506,300	12,852,930	3.94%
2023-12-31	505,082	12,891,847	3.92%
2023-09-30	508,744	13,037,903	3.90%
2023-06-30	723,329	13,079,302	5.53%
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Bogota Financial Corp. (BSBK) — SEC Financial Statements & Analysis

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