Bogota Financial
Operates a New Jersey bank focused on deposits and lending.
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Profile
Operates through Bogota Savings Bank, gathering deposits and originating residential, commercial, and consumer loans for New Jersey customers. A mutual holding company retains majority ownership while it exists.
Operating through Bogota Savings Bank, the holding company gathers deposits and originates residential, commercial, and consumer loans for New Jersey customers. Its bank lineage began in 1893 as Bogota Building and Loan.
The listed parent was formed for a 2020 reorganization into a two-tier mutual holding-company structure. Bogota Financial, MHC retains majority ownership while it exists, and the parent holds the Bank's common stock and makes an employee stock ownership plan loan.
The franchise is New Jersey-focused and completed its merger with Gibraltar Bank in 2021. Kevin Pace has served as president and chief executive officer since late 2023.
Company facts
Categories
Key statistics
Year to date +7.2% · Average volume (30d) 11.0K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $0.09 | $0.06 | −33.3% | $4.5M | $10.2M | +127.8% | +2.03% |
| May 6, 2026Q1 FY26 | — | $0.06 | — | — | $10.8M | — | +1.91% |
| Feb 13, 2026Q4 FY25 | $0.09 | $0.05 | −44.4% | — | $11.2M | — | +1.78% |
| Nov 3, 2025Q3 FY25 | — | $0.04 | — | — | $10.9M | — | −0.46% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $11.8M | $10.8M | $10.9M | $11.2M | $10.8M | $10.2M | |
| Gross profit | $4.6M | $4.0M | $4.3M | $4.6M | $4.7M | $4.5M | |
| Operating income | $702.9K | $171.8K | $527.5K | $670.3K | $918.1K | $846.2K | |
| Net income | $730.9K | $224.4K | $454.6K | $680.8K | $705.9K | $747.5K | |
| Diluted EPS | $0.06 | $0.02 | $0.04 | $0.05 | $0.06 | $0.06 | |
| Gross margin | 38.6% | 37.2% | 39.0% | 40.7% | 43.5% | 43.9% | |
| Operating margin | 6.0% | 1.6% | 4.8% | 6.0% | 8.5% | 8.3% |
Fiscal years (4-quarter sums)FY21 $27.6M · FY22 $31.5M · FY23 $38.4M · FY24 $43.1M · FY25 $44.8M
Balance sheet, Jun 30, 2026Cash & short-term investments $147.91B · Total debt $151.8M · Total assets $875.0M · Shareholders' equity $142.0M
Dividends
No dividends on record.
Ownership
Shares outstanding 12.85M · Float 3.69M · 28.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| M3F, Inc. | 493.7K | 3.84% | 13F | Apr 28, 2026 |
| John J. Masterson · director | 184.7K | 1.44% | Form 4 | Dec 16, 2025 |
| Vanguard Capital Management LLC | 171.9K | 1.34% | 13F | May 15, 2026 |
| Geode Capital Management, LLC | 50.5K | 0.39% | 13F | May 15, 2026 |
| FMR LLC | 46.4K | 0.36% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Dec 12, 2025 | John J. Masterson | director | +2,200 | $8.21 |
| Dec 5, 2025 | John J. Masterson | director | +1,000 | $8.40 |
| Dec 8, 2025 | John J. Masterson | director | +600 | $8.22 |
Peers
- JPMorgan Chase
Large New Jersey deposit and lending competitor
- Bank of America
Large-bank competitor for New Jersey deposits and loans
- PNC Financial Services Group
Large regional competitor for New Jersey deposits and loans
- Columbia Financial
Bergen County community-bank peer with a larger deposit base
- ConnectOne Bancorp
Bergen County bank peer with commercial real-estate lending scale
- Wells Fargo
Large-bank competitor for New Jersey deposits and lending
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Bogota Financial | $9.23 | −0.22% | $118.9M | 44.1 | 25.0 | 2.7 | −5.4% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Columbia Financial | $11.59 | +0.35% | $2.58B | 44.4 | 31.1 | 5.1 | +15.5% |
| ConnectOne Bancorp | $31.73 | 0.00% | $1.60B | 9.9 | 9.1 | 2.6 | +46.0% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Median | 13.8 | 12.3 | 2.7 | +20.3% |