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Bogota Financial Corp.
3 filings tracked
financialsasset managementMICRO (<$300M)

Signal Magnitude Chart

BULLISH | 90% | 3/27/2026 | margin expansionBULLISH | 60% | 3/27/2026 | buybackBULLISH | 80% | 3/27/2026 | earnings beatBEARISH | 40% | 3/27/2026 | dilution riskBULLISH | 80% | 5/13/2026 | margin expansionBEARISH | 60% | 5/13/2026 | capital raiseBULLISH | 40% | 5/13/2026 | buybackBULLISH | 80% | 5/13/2026 | margin expansionBEARISH | 60% | 5/13/2026 | capital raiseBULLISH | 40% | 5/13/2026 | buybackMar 26May 26HIGHLOW
bullish
bearish
neutral

Signal Timeline

bullishMay 13

Net interest margin expanded by 54 basis points to 2.20%.

margin expansion
80%
bearishMay 13

Increased reliance on FHLB advances to offset $51.6 million in deposit outflows.

capital raise
60%
bullishMay 13

Continued repurchase of common stock under board-approved program.

buyback
40%
bullishMay 13

Net interest margin expanded by 54 basis points to 2.20%.

margin expansion
80%
bearishMay 13

Increased reliance on FHLB advances to offset $51.6 million in deposit outflows.

capital raise
60%
bullishMay 13

Continued repurchase of common stock under board-approved program.

buyback
40%
bullishMar 27

Net interest margin expanded by 64 basis points to 1.80%.

margin expansion
90%
bullishMar 27

Repurchased approximately 5% of the public float of common stock.

buyback
60%
bullishMar 27

Swung from a $2.2 million net loss to a $2.1 million net profit.

earnings beat
80%
bearishMar 27

High concentration of brokered deposits creates potential funding instability.

dilution risk
40%

Filing History

10-QMay 13, 2026

The first-quarter filing for Bogota Financial Corp. presents a tug-of-war between impressive operational efficiency and underlying liquidity volatility. While the bank has successfully widened its interest rate spread to 1.60% and improved its net interest margin, these gains are juxtaposed against a shrinking deposit base and a growing dependence on FHLB borrowings. The core earnings engine appears stronger, but the headline net income slightly decreased as the bank lacked the one-time death benefit windfall seen in the prior year. Investors are left to weigh the bank's strong regulatory capital position against the risks posed by its concentrated non-performing construction loans and the potential for further rate-driven volatility. The overall impact of the filing suggests a company in transition, attempting to trade high-cost liabilities for core stability while navigating a challenging credit environment in its commercial real estate portfolio.

10-KMar 27, 2026

The 2025 10-K reveals a company at a crossroads, having successfully navigated a transition to profitability but facing structural headwinds. The jump in net interest income is a clear positive signal, yet it is countered by a shrinking loan book and an increasing reliance on unstable funding sources. The trade-off for investors is between the immediate improvement in earnings and the long-term risk of a contracting asset base. Ultimately, the filing shows a bank that is 'well capitalized' by regulatory standards but remains highly sensitive to interest rate fluctuations and regional economic shifts in New Jersey. The success of the upcoming Point Pleasant branch and the ability to attract lower-cost core deposits will be the primary determinants of whether this profit recovery is sustainable or a temporary peak before further margin compression.