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Bogota Financial Corp.

Bogota Financial Corp.

NASDAQ•BSBK
CEO: Mr. Kevin Pace
セクター: Financial Services
業種: Banks - Regional
上場日: 2020-01-16
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.
連絡先情報
819 Teaneck Road, Teaneck, NJ, 07666, United States
201-862-0660
www.bogotasavingsbank.com
時価総額
$109.62M
PER (TTM)
222.6
15
配当利回り
--
52週高値
$9.50
52週安値
$6.59
52週レンジ
64%
順位48Top 64.4%
3.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$10.95M+0.01%
直近4四半期の推移

EPS

$0.04-224.57%
直近4四半期の推移

フリーCF

$277.07K-183.72%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Reversal Achieved Swung from $1.24B net loss (9M 2024) to $1.41B net income (9M 2025), aided by one-time BOLI benefit.
NII Expansion Strong Net Interest Income grew 38.9% to $11.18B, driven by NIM rising 55 basis points to 1.73% year-over-year.
Credit Loss Recovery Recorded Reported $130M recovery in credit losses for nine months 2025, contrasting with $70M provision recorded in 2024.
Balance Sheet Streamlined Total Assets decreased 4.7% to $925.81B; FHLB borrowings reduced significantly by 30.6% to $119.41B.

リスク要因

Asset Quality Deterioration Noted Non-performing assets increased to 2.2% of total assets (up from 1.4% in 2024); delinquent loans rose $7.5 million.
Interest Rate Risk Exposure NPV simulation shows potential 34.67% dollar decrease under 400 basis point parallel shift scenario, exceeding policy limits.
Net Loan Portfolio Shrinkage Net loans declined 6.0% to $669.23B, primarily due to reduced demand for residential and construction lending.
Non-Interest Expense Pressures Non-interest expense increased 4.4% for nine months, impacted by higher legal fees and increased lease expense post-buyback.

見通し

NIM Sensitivity Within Limits Management believes one-year interest rate risk exposure remains within board-approved policy guidelines based on current modeling.
Deposit Retention Efforts Continue Company actively retaining CDs and savings accounts as customers seek higher-yielding investments in current rate environment.
Strong Liquidity Position Maintained Ample liquidity sources expected to meet commitments; $444.6M in CDs mature within the next year.
Capital Adequacy Maintained Bank remains well capitalized, reporting a qualifying community bank leverage ratio of 15.42% as of September 30, 2025.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Union Bankshares, Inc.UNB
$87.04M
+12.2%
Rhinebeck Bancorp, Inc.RBKB
$75.85M
+39.8%

粗利益率 (最新四半期)

Riverview Bancorp, Inc.RVSB
71.6%
+2.7pp
Provident Financial Holdings, Inc.PROV
67.3%
+6.6pp
Rhinebeck Bancorp, Inc.RBKB
67.0%
+19.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
RBKB$172.42M16.77.7%2.3%
FGBI$142.63M-2.5-23.3%4.9%
AFBI$127.67M15.26.7%6.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-0.2%
横ばい
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月28日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月12日|
    売上高: $10.95M+0.0%
    |
    EPS: $0.04-224.6%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月13日|
    売上高: $10.84M+0.6%
    |
    EPS: $0.02-152.7%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月13日|
    売上高: $11.81M+14.0%
    |
    EPS: $0.06-268.5%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月28日|
    売上高: $43.10M+12.2%
    |
    EPS: $-0.17-441.4%
    予想を下回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $10.95M+14.3%
    |
    EPS: $-0.03+1213.6%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月14日|
    売上高: $10.78M+11.2%
    |
    EPS: $-0.03-148.3%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月15日|
    売上高: $10.36M+11.4%
    |
    EPS: $-0.03-142.9%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月28日|
    売上高: $38.42M+22.1%
    |
    EPS: $0.05-90.2%
    予想を下回る