BSBK
Bogota Financial Corp.8.16
+0.02+0.18%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
105.89MP/E (TTM)
204.13Basic EPS (TTM)
0.04Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
Bogota Financial turned profitable in Q3 FY2025 ended September 30, 2025, posting net income of $0.5M versus a $0.4M loss last year, while nine-month net income hit $1.4M against a $1.2M loss. Net interest income surged 46.6% y/y to $3.9M in the quarter, driven by a 65 basis point NIM expansion to 1.8% from securities restructuring, though loan interest dipped 2.0% y/y on lower balances; y/y deposit costs fell 46 basis points to 3.6%, while FHLB advance expense dropped 38.5% y/y on reduced borrowings. A $50K credit loss recovery reflected shrinking loans, down 6.0% q/q to $669.2M, with nonperformers rising to 3.0% of loans but well-secured. Cash stood at $31.2M, total debt at $119.4M with $234.1M FHLB capacity, and equity climbed to $140.7M. Non-GAAP metrics not disclosed in the 10-Q. Delinquencies climbed on one commercial real estate loan.
8-K
Q3 profit amid asset contraction
Bogota Financial Corp. swung to a $455,000 net income in Q3 2025, up from a $367,000 loss last year, driven by $1.2 million higher net interest income amid falling deposit and borrowing costs. Total assets dipped 4.7% to $925.8 million, with loans down 6.0% to $669.2 million, yet deposits edged up 0.7% to $646.8 million. Delinquencies climbed to 3.24% of loans, mainly from one well-secured commercial deal. The bank eyes commercial growth. Buyback underway.
10-Q
Q2 FY2025 results
Bogota Financial Corp. swung to a $0.02 diluted EPS profit in Q2 FY2025 ended June 30, 2025, up from a $0.03 loss y/y, while YTD EPS hit $0.08 versus a $0.07 loss last year—net income climbed to $224K from a $432K loss, reconciling cleanly to 12.6M diluted shares with minor anti-dilution from $10.45 options. Net interest income surged 34.7% y/y to $3.7M on a 53bps NIM expansion to 1.7%, fueled by higher securities yields after Q4 2024 restructuring, though loan interest held flat amid softer residential and construction demand; non-interest income rose 9% to $332K, boosted by life insurance gains. Deposits dipped 2.2% q/q to $628M, with $136M FHLB advances (3.99% rate) and $20M cash providing solid liquidity, no revolver draw needed. Non-GAAP metrics not disclosed in the 10-Q. Delinquencies ticked up to 2.9% of loans, mainly one well-secured commercial deal.
8-K
Regulatory nod for stock buyback
Bogota Financial Corp. secured regulatory approval on August 12, 2025, to repurchase up to 237,590 shares of its common stock, equaling about 5% of shares outstanding excluding those held by its mutual holding company. This marks the company's sixth such program, allowing buys via open market, private deals, or Rule 10b5-1 plans with no set expiration. Repurchases hinge on market conditions and capital needs. It signals confidence in valuation, yet remains flexible amid economic risks.
8-K
Q2 profit amid asset contraction
Bogota Financial Corp. swung to a Q2 net income of $224,000, or $0.02 per share, from a $432,000 loss last year, fueled by net interest income jumping 34.7% to $3.7 million amid a 53 basis point NIM expansion to 1.74%. For the half-year, earnings hit $955,000, boosted by a $543,000 one-time life insurance death benefit, while total assets dipped 5.1% to $921.8 million with loans down 2.6% to $693.2 million and deposits easing 2.2% to $628.2 million. Delinquencies rose to 2.94% of loans, yet non-performing assets held steady at 1.50% of assets. Loan demand stays steady, but upticks loom.
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