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With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
The company declared very positive results in Mar'25 after flat results in Dec'24
With ROA of -0.10%, it has a risky valuation with a 0.70 Price to Book Value
Majority shareholders : Mutual Funds
Total Returns (Price + Dividend) 
Bogota Financial Corp. for the last several years.
Risk Adjusted Returns v/s 
News
Is Bogota Financial Corp. overvalued or undervalued?
As of 28 November 2025, the valuation grade for Bogota Financial Corp. has moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on key metrics, including a Price to Book Value of 0.70, an EV to EBIT of -19.10, and an EV to Sales ratio of 4.76. In comparison to peers, Ponce Financial Group, Inc. has a significantly more attractive P/E ratio of 21.78, while Western New England Bancorp, Inc. also shows an expensive valuation at 20.74. The recent stock performance further underscores this valuation concern, as Bogota Financial Corp. has underperformed against the S&P 500 across multiple periods, including a 3-year return of -26.69% compared to the S&P 500's 72.78%. This trend suggests that the market may be pricing in higher risks associated with Bogota Financial Corp., reinforcing the conclusion that it is currently overvalued....
Read MoreIs Bogota Financial Corp. overvalued or undervalued?
As of 28 November 2025, the valuation grade for Bogota Financial Corp. has moved from fair to expensive, indicating a shift towards overvaluation. The company appears to be overvalued based on its Price to Book Value of 0.70, EV to Capital Employed of 0.83, and a negative EV to EBIT of -19.10. In comparison to peers, Ponce Financial Group, Inc. has a very attractive P/E ratio of 21.78, while Western New England Bancorp, Inc. is also considered expensive with a P/E of 20.74. The stock has underperformed relative to the S&P 500, with a year-to-date return of 11.73% compared to the S&P 500's 16.45%, and a significant decline of -26.69% over three years versus the S&P 500's gain of 72.78%. This performance reinforces the conclusion that Bogota Financial Corp. is overvalued in the current market environment....
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Bogota Financial Corp. Faces Valuation Shift Amid Ongoing Operating Losses and Financial Challenges
Bogota Financial Corp., a microcap in the savings banks sector, has experienced a valuation adjustment, moving from a very expensive to an expensive classification. The company is facing operating losses, with key metrics indicating challenges in earnings generation and overall financial stability, despite some positive quarterly performance.
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Shareholding Snapshot : Mar 2025
Shareholding Compare (%holding) 
Domestic Funds
Held in 4 Schemes (1.89%)
Held by 5 Foreign Institutions (0.19%)






