BSBK
Bogota Financial Corp.8.16
+0.02+0.18%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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-K
FY2025 results
Bogota Financial flipped to net income of $2.1M in FY2025 ended December 31, 2025, from a $2.2M loss in 2024, powered by net interest income jumping 46.6% to $15.5M as the NIM expanded 64bps to 1.80%—thanks to a balance sheet restructure that boosted securities yields 143bps to 5.31% despite a 9.0% drop in loans to $647.6M. Deposits edged up 1.6% to $652.4M with NOW accounts accelerating 19.0%, while FHLB borrowings plunged 45.8% to $93.3M; Q4 saw steady asset quality with nonaccruals flat at 2.04% of loans and no charge-offs. Repurchased 76,673 shares at $8.51 average in Q4 under its 5% program. Well-capitalized at 15.80% CBLR. Yet local real estate slumps could stall quarterly momentum.
8-K
Profit turnaround on NIM gains
Bogota Financial swung to $2.1M net income for 2025 from a $2.2M loss, fueled by net interest income jumping 46.6% to $15.5M as NIM hit 1.80%. Assets shrank 6.9% to $904.9M, loans dropped 9.0% to $647.6M, yet deposits edged up 1.6% to $652.4M while FHLB advances plunged 45.8%. Delinquents rose to 3.1%. New branch eyed for summer 2026.
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.
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