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Bogota Financial Corp. key statistics and ratios

In fiscal 2025, Bogota Financial Corp. had return on equity of 1.5% and a net margin of 12.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin29.9%20.7%14.1%31.6%28.4%4.0%−18.2%12.1%14.4%
Return on equity5.7%3.3%2.0%5.4%4.8%0.5%−1.6%1.5%1.8%
Return on assets0.6%0.3%0.3%1.0%0.8%0.1%−0.2%0.2%0.3%
Effective tax rate25.2%25.9%17.5%20.0%27.5%−33.8%—−0.9%12.6%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

28 /100

Weak moat

How hard Bogota Financial's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 0.3% of total assets over 7 years.

  • Durability 5 / 20

    Net margin has been a median 18.3%; its worst year was -16.3%.

  • Discipline 15 / 20

    The diluted share count fell 4.9% over five years; stock-based pay has been a median 5.0% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (33 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BSBK vs TCBSBSBK vs FDSBBSBK vs HFBL

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Bogota Financial Corp.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Bogota Financial Corp.