Bogota Financial Corp
BSBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:50 PM ET
Price
BSBK against its 20, 50 and 200-day averages2.7% under the 52-week high of 9.55 on 4 Aug 2026. 52-week low 8.10 on 7 Nov 2025. Last 15 sessions, 3.4% high to low
Volume 0.09× normal · the line is the 50-bar volume average
Profile
BSBKBogota Financial Corp. is a holding company, which engages in the provision of business activities that are permissible for mutual holding companies under New Jersey law, including investing in loans and securities. It also focuses on the acquisition of banking and financial services companies. The firm operates through the following loan portfolio segments: residential first mortgage, commercial and multi-family real estate, construction, home equity and other, and commercial and industrial. The company was founded in September 2019 and is headquartered in Teaneck, NJ.
| Employees | 56 |
|---|---|
| IPO | Jan 16, 2020 |
| Beta | 0.15 |
| ATR, 14d | 0.10 |
| Rel volume | 0.09 |
| Short float | 0.41% |
| Insider own | 69.04% |
| Inst own | 6.44% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 118.58M |
| Enterprise Value | - |
| Income | 2.61M |
| Sales | 43.06M |
| Book/sh | 11.36 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 56 |
| IPO | Jan 16, 2020 |
Ratios
| P/E | 44.73 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.75 |
| P/B | 0.82 |
| P/C | - |
| P/FCF | 29.06 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.11 |
| Debt/Eq | 1.07 |
| LT Debt/Eq | 0.35 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 0.21 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -31.12% -0.52% |
| Sales past 3/5Y | 12.47% 12.92% |
| EPS Y/Y TTM | 444.24% |
| Sales Y/Y TTM | 20.94% |
| EPS Q/Q | 5.85% |
| Sales Q/Q | -1.63% |
| Earnings | Oct 30 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 69.04% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 6.44% |
| Inst Trans | -0.29% |
| ROA | 0.29% |
| ROE | 1.85% |
| ROIC | 1.37% |
| Gross Margin | - |
| Oper. Margin | 7.77% |
| Profit Margin | 6.05% |
| SMA20 | 1.00% |
| SMA50 | 1.60% |
| SMA200 | 5.42% |
| Trades | - |
Technical
| Shs Outstand | 12.42M |
|---|---|
| Shs Float | 3.95M |
| Short Float | 0.41% |
| Short Ratio | 3.08 |
| Short Interest | 0.02M |
| 52W High | 9.55 -2.67% |
| 52W Low | 8.11 14.61% |
| Volatility | 0.98% 0.89% |
| ATR (14) | 0.10 |
| RSI (14) | 55.86 |
| Beta | 0.15 |
| Rel Volume | 0.09 |
| Avg Volume | 5.26K |
| Volume | 467 |
Performance
| Perf Week | -0.32% |
|---|---|
| Perf Month | 2.21% |
| Perf Quarter | 2.37% |
| Perf Half Y | 9.61% |
| Perf YTD | 10.00% |
| Perf Year | 10.13% |
| Perf 3Y | 31.29% |
| Perf 5Y | -8.51% |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 9.25 |
| Price | 9.30 |
| Change % | 0.49% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| MGYR | Magyar Bancorp Inc | 140.60M |
| SRBK | SR Bancorp Inc | 135.33M |
| KRNY | Kearny Financial Corp | 601.89M |
| PKBK | Parke Bancorp Inc | 383.86M |
| NECB | NorthEast Community Bancorp Inc | 400.59M |
| PDLB | Ponce Financial Group Inc | 533.60M |
| FRBA | First Bank (NJ) | 488.40M |
| UNTY | Unity Bancorp Inc | 589.15M |
| OCFC | OceanFirst Financial Corp | 1.80B |
| PFS | Provident Financial Services Inc | 3.00B |
Insider trading
3 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Masterson John J. | Director | Dec 12 '25 | Buy | 8.21 | 2,200 | 18,062 | 184,695 | Dec 16 04:06 PM |
| Masterson John J. | Director | Dec 05 '25 | Buy | 8.40 | 1,000 | 8,400 | 181,895 | Dec 09 12:28 PM |
| Masterson John J. | Director | Dec 08 '25 | Buy | 8.22 | 600 | 4,932 | 182,495 | Dec 09 12:28 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
| DFSU | Dimensional US Sustainability Core 1 ETF | AUM: 2.38B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | AUM: 3.65B |
News
latest 14 of 200- Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2026 (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Six Months Ended June 30, 2026 (GlobeNewswire)
- Bogota Savings Bank and GSL Savings Bank to Merge (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three Months Ended March 31, 2026 (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2025 (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2025 (GlobeNewswire)
- Bogota Financial Corp. Adopts and Receives Regulatory Approval of Sixth Repurchase Program (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three and Six Months Ended June 30, 2025 (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three Months Ended March 31, 2025 (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2024 (GlobeNewswire)
- Bogota Financial Corp. Announces Sale-Leaseback Transaction and Balance Sheet Restructure (GlobeNewswire)
- CORRECTION - Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024 Corrected (GlobeNewswire)
- Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2024 (GlobeNewswire)
- BSBK Stock Earnings: Bogota Finl Misses Revenue for Q2 2024 (InvestorPlace)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-05-06 | - | - | 0.056 | - | - | - |
| 2025Q4 | 2026-02-13 | - | - | 0.054 | - | - | - |
| 2025Q3 | 2025-11-03 | - | - | 0.036 | - | - | - |
| 2025Q2 | 2025-07-31 | - | - | 0.018 | - | - | - |
| 2025Q1 | 2025-05-01 | - | - | 0.058 | - | - | - |
| 2024Q4 | 2025-02-18 | - | - | -0.073 | - | - | - |
| 2024Q3 | 2024-11-04 | - | - | -0.029 | 2,985 | - | - |
| 2024Q2 | 2024-07-31 | -0.030 | - | - | 3.01 | - | - |
| 2024Q1 | 2024-04-30 | -0.030 | - | -0.034 | 2.95 | - | - |
| 2023Q4 | 2024-02-06 | -0.090 | - | -0.092 | 3.22 | - | - |
| 2023Q3 | 2023-11-01 | 0.000 | - | -0.002 | 3.51 | - | - |
| 2023Q2 | 2023-07-28 | 0.070 | - | 0.066 | 4.81 | - | - |
| 2023Q1 | 2023-04-28 | 0.080 | - | 0.076 | 4.81 | - | 1 |
| 2022Q4 | 2023-01-30 | 0.140 | 0.150 | 0.143 | 6.30 | 6.40 | 1 |
| 2022Q3 | 2022-10-28 | 0.140 | 0.150 | 0.143 | 6.48 | 6.30 | 1 |
| 2022Q2 | 2022-07-27 | 0.120 | 0.120 | 0.120 | 5.96 | 5.60 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2021FY | 0.520 | 0.500 | 0.541 | 23.77 | - |
| 2022FY | 0.510 | - | 0.507 | 24.20 | - |
| 2023FY | 0.050 | - | - | 16.11 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.309 | 0.327 | 0.192 | 0.17 | 0.541 | 0.507 | 0.05 | -0.17 | 0.166 | 0.2078 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | -0.029 | -0.073 | 0.058 | 0.018 | 0.036 | 0.054 | 0.056 | 0.06 | 0.038 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 21.05 | 22.6 | 23.685 | 24.382 | 27.61 | 31.47 | 38.419 | 34.093 | 44.771 | 43.06 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 10.948 | 2.008 | 11.813 | 10.837 | 10.949 | 11.232 | 10.81 | 10.25 | 10.77 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 12.642 | 12.642 | 12.642 | 12.668 | 14.143 | 13.699 | 13.279 | 13.059 | 12.569 | 12.422 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 12.703 | 13.059 | 12.633 | 12.639 | 12.634 | 12.569 | 12.561 | 12.428 | 12.422 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 41.46 | 43.01 | 41.75 | 37.28 | 30.35 | 25.07 | 23.28 | 23.14 | 21.99 |
| Total Interest Expense | 24.44 | 27.54 | 31.20 | 22.31 | 7.27 | 5.79 | 9.68 | 11.97 | 8.76 |
| Net Interest Income | 17.03 | 15.47 | 10.55 | 14.97 | 23.08 | 19.28 | 13.60 | 11.17 | 13.23 |
| Loan Loss Provision | - | -0.13 | -0.15 | -0.12 | 0.42 | -0.09 | 0.20 | 0.00 | 0.00 |
| Net Interest Income After Loan Loss Provision | - | 15.60 | 10.70 | 15.10 | 22.65 | 19.37 | 13.40 | 11.17 | 13.23 |
| Non-Interest Income | 1.60 | 1.76 | -7.66 | 1.14 | 1.12 | 2.54 | 1.11 | 0.54 | 0.61 |
| Non-Interest Expense | 15.23 | 15.30 | 14.59 | 15.76 | 14.29 | 14.07 | 12.00 | 8.43 | 8.32 |
| Operating Income | 3.34 | 2.07 | -11.55 | 0.48 | 9.49 | 7.84 | 2.51 | 3.28 | 5.53 |
| Unusual Expense | 0.31 | 0.00 | 0.00 | 0.00 | 0.00 | -1.56 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 3.04 | 2.07 | -2.54 | 0.48 | 9.49 | 9.40 | 2.51 | 3.28 | 5.53 |
| Income Taxes | 0.43 | -0.02 | -0.37 | -0.16 | 2.61 | 1.88 | 0.44 | 0.85 | 1.39 |
| Consolidated Net Income | 2.61 | 2.09 | -2.17 | 0.64 | 6.88 | 7.52 | 2.07 | 2.43 | 4.14 |
| Net Income From Continuing Operations | 2.61 | 2.09 | -2.17 | 0.64 | 6.88 | 7.52 | 2.07 | 2.43 | 4.14 |
| Net Income | 2.61 | 2.09 | -2.17 | 0.64 | 6.88 | 7.52 | 2.07 | 2.43 | 4.14 |
| EPS (Recurring) | 0.23 | 0.17 | -0.17 | 0.05 | 0.51 | 0.46 | 0.17 | 0.19 | 0.33 |
| EPS (Basic, Before Extraordinaries) | 0.21 | 0.17 | -0.17 | 0.05 | 0.51 | 0.55 | 0.17 | 0.19 | 0.33 |
| EPS (Diluted) | 0.21 | 0.17 | -0.17 | 0.05 | 0.51 | 0.54 | 0.17 | 0.19 | 0.33 |
| Non-Operating Income (Expense) | - | 0.01 | 9.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.87 | 0.73 | 0.74 | 0.96 | 0.19 | 0.16 | - | - |
| Price To Earnings Ratio | 44.73 | 44.73 | - | 28.54 | 22.08 | 18.52 | 61.83 | 73.57 | - |
| Price To Sales Ratio | 2.61 | 2.38 | 2.81 | 2.70 | 4.82 | 5.12 | 4.45 | - | - |
| Operating Margin | 7.77 | 4.62 | -33.87 | 1.25 | 30.16 | 28.38 | 10.28 | 13.84 | 24.46 |
| Net Margin | 6.05 | 4.67 | -6.37 | 1.67 | 21.85 | 27.24 | 8.48 | 10.25 | 18.30 |
| Shares Outstanding | 12.42 | 12.57 | 13.06 | 13.28 | 13.70 | 14.14 | 12.67 | 12.64 | 12.64 |
| Market Capitalization | 118.58 | 118.58 | 98.06 | 107.28 | 157.18 | 148.95 | 117.24 | 119.74 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 10.43 | 9.59 | 10.49 | 10.95 | 10.63 | 10.51 | 10.92 | 10.59 |
| Total Interest Expense | 5.96 | 5.75 | 6.06 | 6.66 | 6.73 | 6.81 | 7.33 | 8.10 |
| Net Interest Income | 4.47 | 3.84 | 4.43 | 4.29 | 3.89 | 3.69 | 3.59 | 2.50 |
| Loan Loss Provision | 0.00 | - | 0.05 | - | -0.05 | - | -0.08 | -0.22 |
| Net Interest Income After Loan Loss Provision | 4.47 | - | 4.38 | - | 3.94 | - | 3.67 | 2.72 |
| Non-Interest Income | 0.34 | 0.66 | 0.32 | 0.28 | 0.32 | 0.33 | 0.89 | -8.59 |
| Non-Interest Expense | 3.89 | 3.65 | 3.78 | 3.90 | 3.74 | 3.85 | 3.86 | 3.62 |
| Operating Income | 0.92 | 0.85 | 0.92 | 0.66 | 0.53 | 0.17 | 0.70 | -9.49 |
| Unusual Expense | 0.31 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 0.60 | 0.85 | 0.92 | 0.67 | 0.53 | 0.17 | 0.70 | -0.48 |
| Income Taxes | 0.13 | 0.10 | 0.21 | -0.01 | 0.07 | -0.05 | -0.03 | 0.45 |
| Consolidated Net Income | 0.47 | 0.75 | 0.71 | 0.68 | 0.45 | 0.22 | 0.73 | -0.93 |
| Net Income From Continuing Operations | 0.47 | 0.75 | 0.71 | 0.68 | 0.45 | 0.22 | 0.73 | -0.93 |
| Net Income | 0.47 | 0.75 | 0.71 | 0.68 | 0.45 | 0.22 | 0.73 | -0.93 |
| EPS (Recurring) | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.02 | 0.06 | -0.07 |
| EPS (Basic, Before Extraordinaries) | 0.04 | 0.06 | 0.06 | 0.05 | 0.04 | 0.02 | 0.06 | -0.07 |
| EPS (Diluted) | 0.04 | 0.06 | 0.06 | 0.05 | 0.04 | 0.02 | 0.06 | -0.07 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 9.01 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.18 | 0.18 | - | 0.22 | 0.18 | 0.17 | 0.20 |
| Price To Earnings Ratio | 44.73 | 55.16 | 51.36 | 221.20 | - | - | - | - |
| Price To Sales Ratio | 2.61 | 2.61 | 2.45 | 2.38 | 3.23 | 2.77 | 2.73 | 2.79 |
| Operating Margin | 8.50 | 8.26 | 8.49 | 5.91 | 4.82 | 1.59 | 5.95 | -472.48 |
| Net Margin | 4.39 | 7.29 | 6.53 | 6.06 | 4.15 | 2.07 | 6.19 | -46.32 |
| Shares Outstanding | 12.42 | 12.43 | 12.56 | 12.57 | 12.63 | 12.64 | 12.63 | 13.06 |
| Market Capitalization | 118.58 | 116.08 | 110.23 | 109.59 | 118.35 | 101.34 | 100.15 | 98.06 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 11.58 | 18.02 | 13.57 | 8.16 | 14.45 | 5.96 | 5.18 | 5.74 | 8.19 |
| Investments | 187.48 | 183.97 | 161.76 | 177.02 | 212.52 | 149.66 | 198.20 | 107.11 | 95.33 |
| Net Loans | 647.65 | 711.72 | 714.69 | 719.03 | 570.21 | 557.69 | 537.16 | 526.67 | 513.59 |
| Investment in Unconsolidated Affiliates | 2.41 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 14.66 | 15.50 | 7.69 | 7.88 | 8.13 | 5.67 | 4.20 | 4.66 | 4.45 |
| Interest Receivables | 4.26 | 4.23 | 3.93 | 3.97 | 2.71 | 2.86 | 2.02 | 1.95 | 1.73 |
| Deferred Tax Assets | 4.67 | 5.36 | 6.17 | - | 2.70 | 2.21 | - | - | - |
| Other Intangible Assets | 33.49 | 34.06 | 33.03 | 35.04 | 27.47 | 17.43 | 19.86 | 18.88 | 17.86 |
| Total Assets | 906.21 | 972.87 | 940.84 | 951.10 | 838.19 | 741.48 | 766.61 | 665.01 | 641.14 |
| Total Deposits | 652.45 | 642.19 | 625.35 | 701.41 | 597.48 | 501.97 | 497.75 | 510.29 | 476.46 |
| Total Debt | 103.76 | 182.95 | 167.69 | 102.32 | 85.05 | 104.29 | 97.09 | 74.64 | 89.23 |
| Long Term Debt | 82.65 | 152.21 | 108.67 | 43.32 | 46.97 | 69.29 | 86.09 | 14.64 | 21.64 |
| Provision for Risks Charges | 2.07 | 2.18 | 2.27 | 2.32 | 2.43 | 2.29 | 2.11 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 1.26 | 1.38 | 1.51 | - | 0.82 | 0.58 | - | - | - |
| Other Liabilities | 5.77 | 6.88 | 6.84 | 5.39 | 4.82 | 3.89 | 94.68 | 7.60 | 7.15 |
| Total Liabilities | 765.30 | 835.58 | 803.66 | 811.44 | 690.61 | 613.01 | 691.63 | 592.53 | 572.83 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 140.91 | 137.29 | 137.17 | 139.66 | 147.58 | 128.47 | 74.98 | 72.48 | 68.31 |
| Total Shareholders Equity | 140.91 | 137.29 | 137.17 | 139.66 | 147.58 | 128.47 | 74.98 | 72.48 | 68.31 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 140.91 | 137.29 | 137.17 | 139.66 | 147.58 | 128.47 | 74.98 | 72.48 | 68.31 |
| Total Liabilities & Stockholders Equity | 906.21 | 972.87 | 940.84 | 951.10 | 838.19 | 741.48 | 766.61 | 665.01 | 641.14 |
| Book Value Per Share | 11.21 | 10.51 | 10.33 | 10.19 | 10.43 | 10.14 | 5.93 | 5.73 | 5.40 |
| Tangible Book Value Per Share | 11.20 | 10.50 | 10.31 | 10.18 | 10.41 | 10.14 | 5.93 | 5.73 | 5.40 |
| Tier 1 Capital | - | - | - | - | - | - | 75.29 | - | - |
| Tier 2 Capital | - | - | - | - | - | - | 2.02 | - | - |
| Full-Time Employees | 56 | 62 | 68 | 61 | 75 | 45 | 41 | 45 | 42 |
| Price to Book Ratio | 0.82 | 0.70 | 0.76 | 1.08 | 0.98 | 0.88 | 0.90 | - | - |
| Return on Assets | 0.22 | -0.23 | 0.07 | 0.77 | 0.95 | 0.27 | 0.34 | 0.63 | 0.62 |
| Return on Equity | 1.50 | -1.58 | 0.46 | 4.79 | 5.45 | 2.03 | 3.29 | 5.88 | 5.88 |
| Return on Invested Capital | 0.94 | -0.75 | 0.26 | 3.76 | 3.87 | 1.05 | 1.51 | 4.75 | 4.34 |
| Current Ratio | 0.08 | 0.10 | 0.05 | 0.04 | 0.23 | 0.56 | 1.69 | 0.17 | 0.14 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 2.21 | -1.92 | 0.87 | 8.51 | 5.36 | 5.09 | 2.80 | 4.49 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.95 | -0.67 | 0.54 | 1.10 | -0.18 | 0.72 | -0.22 | -0.31 |
| Cash from Operating Activities | - | 3.17 | -2.59 | 1.41 | 9.62 | 5.18 | 5.80 | 2.57 | 4.18 |
| Capital Expenditures | - | -0.07 | -0.59 | -0.32 | -5.24 | -9.46 | -1.75 | -0.16 | -0.52 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 12.06 | 0.00 | 0.00 | 19.39 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | -17.29 | -4.00 | 20.76 | -55.86 | -39.52 | 0.27 | 13.74 | -8.37 |
| Purchase of Investments | - | -62.56 | -87.41 | -8.70 | -92.58 | -77.96 | -25.50 | -9.09 | -19.25 |
| Sale Or Maturity of Investments | - | 45.27 | 83.41 | 29.46 | 36.72 | 38.44 | 25.77 | 22.83 | 10.88 |
| Federal Home Loan Advances Increase (Decrease) | - | 3.52 | -0.19 | -3.13 | -0.64 | 1.63 | -0.19 | -0.99 | 0.72 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.86 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 50.14 | 10.16 | 21.55 | -209.48 | 35.93 | -22.25 | 1.65 | -21.70 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -1.13 | -1.70 | -3.81 | -10.07 | -0.48 | -35.80 | 90.35 | 0.00 |
| Repurchase of Common Pref Stock | - | -1.13 | -1.70 | -3.81 | -10.07 | -0.48 | -43.48 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.68 | 90.35 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.68 | 90.35 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -78.85 | 4.50 | 65.41 | 17.35 | -29.38 | 7.20 | 22.45 | -14.59 |
| Change in Long Term Debt | - | -69.35 | 12.50 | 86.91 | -35.65 | -23.38 | 6.20 | 71.45 | -35.09 |
| Issuance of Long Term Debt | - | 0.00 | 12.50 | 86.91 | 0.00 | 8.00 | 15.00 | 80.00 | 0.00 |
| Reduction of Long Term Debt | - | -69.35 | 0.00 | 0.00 | -35.65 | -31.38 | -8.80 | -8.55 | -35.09 |
| Net Financing Active Other Cash Flow | - | -0.22 | 0.08 | -0.44 | 0.32 | -0.35 | -6.65 | -1.14 | 0.23 |
| Other Financing Activities Uses | - | -0.22 | - | -0.44 | - | -0.35 | -6.65 | -1.14 | - |
| Cash from Financing Activities | - | -69.94 | 19.74 | -14.87 | 111.64 | -16.43 | -31.03 | 99.12 | 19.48 |
| Net Change in Cash | - | -16.63 | 27.30 | 8.09 | -88.23 | 24.68 | -47.48 | 103.34 | 1.96 |
| Free Cash Flow | - | 3.10 | -3.19 | 1.09 | 9.38 | 3.72 | 4.06 | 2.41 | 3.66 |
| Price to Free Cash Flow | - | 34.49 | - | 95.22 | 16.19 | 38.05 | 26.73 | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 7.93 | 7.50 | 13.09 | 11.58 | 9.71 | 9.47 |
| Investments | 165.69 | 174.63 | 168.65 | 187.48 | 191.25 | 162.50 |
| Net Loans | 647.11 | 637.31 | 639.41 | 647.65 | 669.23 | 693.21 |
| Investment in Unconsolidated Affiliates | 3.96 | 0.00 | 0.00 | 2.41 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 15.05 | 15.02 | 15.02 | 14.66 | 14.87 | 15.07 |
| Interest Receivables | 4.31 | 3.89 | 4.47 | 4.26 | 4.31 | 4.23 |
| Deferred Tax Assets | - | - | - | 4.67 | - | - |
| Other Intangible Assets | 37.79 | 36.63 | 36.60 | 33.49 | 36.45 | 37.36 |
| Total Assets | 881.85 | 874.99 | 877.25 | 906.21 | 925.81 | 921.83 |
| Total Deposits | 581.27 | 574.22 | 600.87 | 652.45 | 646.75 | 628.23 |
| Total Debt | 151.37 | 151.80 | 126.81 | 103.76 | 129.90 | 146.52 |
| Long Term Debt | 48.87 | 50.80 | 68.31 | 82.65 | 94.90 | 106.52 |
| Provision for Risks Charges | - | 0.00 | 0.00 | 2.07 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 1.26 | - | - |
| Other Liabilities | 8.07 | 7.00 | 7.51 | 5.77 | 8.47 | 8.64 |
| Total Liabilities | 740.71 | 733.02 | 735.19 | 765.30 | 785.12 | 783.39 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 141.14 | 141.97 | 142.05 | 140.91 | 140.69 | 138.44 |
| Total Shareholders Equity | 141.14 | 141.97 | 142.05 | 140.91 | 140.69 | 138.44 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 141.14 | 141.97 | 142.05 | 140.91 | 140.69 | 138.44 |
| Total Liabilities & Stockholders Equity | 881.85 | 874.99 | 877.25 | 906.21 | 925.81 | 921.83 |
| Book Value Per Share | 11.36 | 11.42 | 11.31 | 11.21 | 11.14 | 10.95 |
| Tangible Book Value Per Share | 11.36 | 11.42 | 11.30 | 11.20 | 11.13 | 10.94 |
| Full-Time Employees | - | - | - | 56 | - | - |
| Price to Book Ratio | 0.82 | 0.80 | 0.76 | 0.76 | 0.83 | 0.71 |
| Return on Assets | 0.29 | 0.29 | 0.23 | 0.22 | 0.05 | -0.04 |
| Return on Equity | 1.85 | 1.85 | 1.47 | 1.50 | 0.35 | -0.25 |
| Return on Invested Capital | 0.25 | 0.39 | 0.34 | 0.30 | 0.19 | 0.09 |
| Current Ratio | 0.11 | 0.26 | 0.37 | 0.08 | 0.55 | 0.35 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | 0.96 | 1.24 | 1.45 | 0.14 | 0.44 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 1.40 | -0.53 | -0.48 | 0.19 | 1.47 |
| Cash from Operating Activities | - | 2.36 | 0.70 | 0.97 | 0.33 | 1.91 |
| Capital Expenditures | - | -0.21 | -0.03 | -0.02 | -0.02 | 0.00 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 2.50 | -2.50 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 2.85 | 13.01 | 0.21 | -13.73 | -7.22 |
| Purchase of Investments | - | -7.21 | 0.00 | -12.82 | -22.04 | -14.20 |
| Sale Or Maturity of Investments | - | 10.06 | 13.01 | 13.04 | 8.31 | 6.98 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 3.24 | 20.43 | 25.44 | 8.30 | 0.93 |
| Cash Dividends Paid | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -1.21 | -0.12 | -1.08 | 0.36 | 0.00 |
| Repurchase of Common Pref Stock | - | -1.21 | -0.12 | -1.08 | 0.36 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | 25.09 | 22.60 | -26.09 | -16.53 | -3.83 |
| Change in Long Term Debt | - | -17.41 | -15.90 | -11.09 | -11.53 | -19.33 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -17.41 | -15.90 | -11.09 | -11.53 | -19.33 |
| Net Financing Active Other Cash Flow | - | -0.85 | 0.29 | -0.57 | -0.06 | 0.52 |
| Cash from Financing Activities | - | -3.62 | -28.81 | -22.06 | 2.29 | -8.12 |
| Net Change in Cash | - | 1.97 | -7.67 | 4.35 | 10.92 | -5.28 |
| Free Cash Flow | - | 2.15 | 0.67 | 0.95 | 0.31 | 1.91 |
| Price to Free Cash Flow | - | 27.65 | 27.84 | 34.42 | 111.64 | 263.72 |
Revenue breakdown
| Savings Institutions, Not Federally Chartered | 2024: 11.90M 2025: 17.24M |
|---|---|
| United States | 2024: 11.90M 2025: 17.24M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.41% | 0.0M | 4.0M | 6.74K |
| 2026-10-15 | 0.45% | 0.0M | 4.0M | 7.36K |
| 2026-09-30 | 0.44% | 0.0M | 4.0M | 7.97K |
| 2026-09-15 | 0.46% | 0.0M | 4.0M | 8.76K |
| 2026-08-31 | 0.53% | 0.0M | 4.0M | 12.87K |
| 2026-08-14 | 0.72% | 0.0M | 4.0M | 13.38K |
| 2026-07-31 | 0.21% | 0.0M | 4.0M | 13.87K |
| 2026-07-15 | 0.18% | 0.0M | 4.0M | 14.10K |
| 2026-06-30 | 0.39% | 0.0M | 4.0M | 14.50K |
| 2026-06-15 | 0.41% | 0.0M | 4.0M | 14.77K |
| 2026-05-29 | 0.46% | 0.0M | 4.1M | 10.80K |
| 2026-05-15 | 0.44% | 0.0M | 4.1M | 9.02K |
| 2026-04-30 | 0.37% | 0.0M | 4.1M | 6.59K |
| 2026-04-15 | 0.16% | 0.0M | 4.1M | 5.23K |
| 2026-03-31 | 0.23% | 0.0M | 4.1M | 4.61K |
| 2026-03-13 | 0.15% | 0.0M | 4.1M | 4.07K |
| 2026-02-27 | 0.15% | 0.0M | 4.1M | 4.50K |
| 2026-02-13 | 0.35% | 0.0M | 4.1M | 4.85K |
| 2026-01-30 | 0.35% | 0.0M | 4.1M | 5.38K |
| 2026-01-15 | 0.17% | 0.0M | 4.1M | 5.89K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-30 | 8-K | Current report | 2026-10-30 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-30 | 8-K | Current report | 2026-07-30 | SEC |
| 2026-07-29 | 8-K/A | 2026-05-14 | SEC | |
| 2026-07-02 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-30 | NT 11-K | 2025-12-31 | SEC | |
| 2026-06-01 | 8-K | Current report | 2026-05-31 | SEC |
| 2026-05-15 | 8-K | Current report | 2026-05-14 | SEC |
| 2026-05-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-06 | 8-K | Current report | 2026-05-06 | SEC |
| 2026-04-09 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-14 | SEC |
| 2026-03-31 | 8-K | Current report | 2026-03-25 | SEC |
| 2026-03-27 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-13 | 8-K | Current report | 2026-02-13 | SEC |
| 2025-12-16 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-12 | SEC |
| 2025-12-09 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-05 | SEC |
| 2025-11-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-11-03 | 8-K | Current report | 2025-11-03 | SEC |
| 2025-09-23 | 3 | Initial statement of beneficial ownership of securities | 2025-03-26 | SEC |
| 2025-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
| 2025-08-12 | 8-K | Current report | 2025-08-12 | SEC |
| 2025-07-31 | 8-K | Current report | 2025-07-31 | SEC |
| 2025-06-23 | 4 | Statement of changes in beneficial ownership of securities | 2025-06-18 | SEC |
| 2025-06-23 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2024-12-31 | SEC |
| 2025-05-27 | 4 | Statement of changes in beneficial ownership of securities | 2025-05-23 | SEC |
| 2025-05-20 | 8-K | Current report | 2025-05-20 | SEC |
| 2025-05-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-03-31 | SEC |
| 2025-05-01 | 8-K | Current report | 2025-04-30 | SEC |
| 2025-04-15 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2025-05-20 | SEC |
| 2025-03-28 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2024-12-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 31.39K | 3 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| M3F, Inc. | 3.28% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.41% |
| RENAISSANCE TECHNOLOGIES LLC | 0.47% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.38% |
| BANK OF AMERICA CORP /DE/ | 0.23% |
| VANGUARD FIDUCIARY TRUST CO | 0.18% |
| CITADEL ADVISORS LLC | 0.17% |
| BlackRock, Inc. | 0.12% |
| Cetera Investment Advisers | 0.12% |
| NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | 0.02% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 1.08% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.31% |
| Fidelity Extended Market Index Fund | 0.13% |
| iShares Micro-Cap ETF | 0.11% |
| Fidelity Growth and Income Portfolio | 0.09% |
| Fidelity Nasdaq Composite Index Fund | 0.07% |
| Fidelity Total Market Index Fund | 0.06% |
| Fidelity Series Total Market Index Fund | 0.04% |
| VANGUARD BALANCED INDEX FUND | 0.02% |
| 1290 VT Micro Cap Portfolio | 0.01% |
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