Bogota Financial Corp (BSBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$9.40+0.86%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 19.0% |
| 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 2026-11-05.
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 18.9 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 2026-11-05 · Compared with 231 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: The new branch expands Bogota's reach in southern New Jersey. Loan growth would show whether that expansion brings more business.
Supportive ifNet loans rise above $647.1 million. Multi-family or other loans offset drops in home and commercial real estate loans.
Worry ifNet loans fall below $647.1 million in the next reported quarter.
Why it matters: Merger legal costs and branch marketing helped raise quarterly expenses. More cost growth could weigh on earnings.
Worry ifQuarterly costs beyond interest rise more than 12.5% from a year ago.
Less concerning ifQuarterly non-interest expense stays at or below its level a year ago as merger and branch costs fade.
Why it matters: A higher margin helped lift nine-month net income. Higher borrowing costs or weaker loan income could reverse that gain.
Supportive ifQuarterly net interest margin stays at or above 2.19%, versus 1.80% a year earlier.
Worry ifQuarterly net interest margin falls below 1.80%, its level a year ago.
Why it matters: Deposits fell by $71.2 million through September. FHLB advances rose by $47.4 million to cover outflows.
Worry ifIn the next results, deposits fall below $581.3 million or FHLB advances rise above $140.7 million.
Less concerning ifDeposits rise above $581.3 million while FHLB advances stay at or below $140.7 million.
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 | ±$56 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $161 loss on $10,000 · 1.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $617 loss on $10,000 · 6.2% | 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.