Bogota Financial Corp (BSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$9.18+1.44%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BSBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 11.6% |
| Our one-year growth estimate | diamond | 0.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 11.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name is on a run of consecutive earnings misses and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 220 industry peers · Company calendar date is not available
BSBK — officer change
Dated 2026-06-01
null — Mr. Giancola: An employment agreement for Mr. Giancola has been established contingent on the closing of a Merger, detailing terms including salary and severance.
Why it matters: Steady growth in operating income shows the business runs well. It helps overall financial health.
Supportive ifOperating income for Q2 was above $918.1 million. This confirms strong performance.
Worry ifOperating income was less than $918.1 million. This suggests there may be problems.
Why it matters: Revenue growth is a key driver for the financial sector. A drop signals weakening performance.
Worry ifRevenue growth falls below the median of 15% over the last three years.
Less concerning ifRevenue growth remains at or above the median of 15%.
Why it matters: Strong EPS growth shows management is focused on making more money. It means good cost control.
Supportive ifQ2 EPS was above $0.06. This shows positive momentum is continuing.
Worry ifQ2 EPS was below $0.06. This suggests there may be profit issues.
Why it matters: The merger is expected to boost Bogota's assets to about $1 billion. This could enhance growth and service offerings.
Supportive ifThe merger will close in the second half of 2026. All regulatory approvals are received.
Worry ifThe merger does not close or has big delays. This is due to regulatory issues.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$66 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $174 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,411 loss on $10,000 · 14.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Growth in net income helps management focus on making earnings per share better.
Supportive ifNet income for Q3 2026 increases year over year compared to Q3 2025.
Worry ifNet income for Q3 2026 decreases or remains flat year over year.
Why it matters: A drop in deposits may show weak customer confidence. This could hurt liquidity.
Worry ifTotal deposits decrease more than 12% year over year in Q3 2026.
Less concerning ifTotal deposits stabilize or grow compared to Q3 2025.
Why it matters: More non-interest income can balance drops in interest income and help profits.
Supportive ifNon-interest income increases by more than 20% in Q3 2026 compared to Q2 2026.
Worry ifNon-interest income decreases or grows less than 5% in Q3 2026.
Why it matters: Keeping net income above this level shows strong operations. It also shows good cost management.
Supportive ifQ3 net income reported above $700,000.
Worry ifQ3 net income falls below $700,000.
Why it matters: A better net interest margin means the company makes more money from loans.
Supportive ifNet interest margin increases above 2.20% in Q3 2026.
Worry ifNet interest margin declines below 2.20% in Q3 2026.