Does BSBK pay a dividend and is it safe?

Bogota Financial Corp. (BSBK) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Financials / BSBK / dividends

WSBK (53) FNWB (32) SRBK (55) HYNE (56) ⌘ Pro Terminal →

Bogota Financial Corp. (BSBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$9.28 +1.64% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.29

Bogota Financial Corp. (BSBK) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $116.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BSBK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Bogota Financial Corp. (NASDAQ: BSBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $9.28 (+1.64% 1D, market cap $116.5M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 8/20. Across 1097 tracked Financials issuers, BSBK ranks #515 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BSBK compare to WSBK and FNWB in the Financials sector?

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Within the Financials sector (Banks), BSBK carries a Roarable D+ (56/100 RQD), trailing P/E of 56.3x, gross margin of —, and ROIC of 1.5%. By comparison, WSBK (Winchester Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E N/A, ROIC -0.7%, cap $124.0M) and FNWB (First Northwest Bancorp) posts a E grade (32/100 RQD, P/E N/A, ROIC -2.7%, cap $97.3M). Among the 5-stock peer group, SRBK leads on earnings multiple (29.3x) while SRBK leads on capital efficiency (2.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BSBK?

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Per BSBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001787414), Bogota Financial Corp. generated $380.1M in revenue (-6.8% YoY), $2.1M in net income, and $3.1M in free cash flow against $904.9M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.29 (+0.11%)🧬 Disciplined Float (-0.12% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BSBK)Realized 20D OHLCV Swing Band: ±1.8%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY BSBK SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (23% of score)

FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 49.7 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution8/20 pts (-12 pt drag)

Disciplined Float (-0.12% YoY Shares) & executive Form 4 sales trim 12 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$9.09+0.3% Next Q

Q2 (-2Q)

Grade C-$9.12-0.1% Next Q

Q3 (-1Q)

Grade C-$9.11+1.9% Next Q

Current

Grade D+$9.28-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BSBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, BSBK faces multiple-compression risk if 56.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Priced at 56x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.13) or 200D SMA ($8.80) invalidates the momentum regime and cuts Target Base ($9.20) toward Bear Floor ($7.18).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BSBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BSBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 56%NO 44%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BSBK)

✓Walkthrough of BSBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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BSBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.03%⚡ TESTING RESISTANCE

2026-11-03O $9.23H $9.28L $9.13C $9.28VOL 6.8K

RES: $9.37SUP: $9.10SMA50: $9.13SMA200: $8.80

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BSBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BSBK Butterfly Map → + Track BSBK →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

39.6%/yr Implied 5Y Growth

vs. -6.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BSBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BSBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BSBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BSBK)

Financials Rank #515 of 1097 ⚔️ WSBK vs BSBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (BSBK vs. WSBK, FNWB, SRBK, HYNE)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Bogota Financial Corp. (BSBK) ranks #515 by composite RQD confidence (56/100, grade D+) and #944 by equity capitalization ($116.5M). Within this direct 5-issuer industry benchmark cohort, SRBK leads on earnings valuation at 29.3x trailing P/E, while SRBK leads on capital efficiency and profitability with 2.7% ROIC and — gross margin. BSBK currently leads its immediate peer cohort in composite quantitative strength at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BSBK ACTIVE Bogota Financial Corp.	D+	56/100	56.3x	—	1.5%	+1.64%	$116.5M	Benchmark Subject
WSBK Winchester Bancorp Inc.	D+	53/100	—	—	-0.7%	+0.75%	$124.0M	/wsbk-vs-bsbk →
FNWB First Northwest Bancorp	E	32/100	—	—	-2.7%	+0.68%	$97.3M	/fnwb-vs-bsbk →
SRBK SR Bancorp Inc.	D+	55/100	29.3x	—	2.7%	+2.40%	$149.0M	/srbk-vs-bsbk →
HYNE Hoyne Bancorp Inc.	D+	56/100	—	—	0.1%	+0.69%	$152.2M	/hyne-vs-bsbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001787414 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bogota Financial Corp. (BSBK) reported GAAP revenue of $380.1M (-6.8% vs. FY2024 revenue of $408.0M , and +1712.3% cumulative change since FY2023) , GAAP net income of $2.1M, operating cash flow of $3.2M, and free cash flow of $3.1M (+199.3% YoY). On the balance sheet, BSBK closed FY2025 with $904.9M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$380.1M	$2.1M	$3.2M	$3.1M	$904.9M	—
FY2024 (FY)	2024-12-31	$408.0M	-$2.2M	-$2.6M	-$3.2M	$971.5M	—
FY2023 (FY)	2023-12-31	$21.0M	$642.5K	$1.4M	$1.4M	—	—

3. BSBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BSBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BSBK compare to WSBK and FNWB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for BSBK?

Where is BSBK trading relative to its 50-day, 200-day, and 52-week technical levels?

BSBK last traded at $9.28 (+1.64% on volume of 2,159 shares), positioning the stock +1.64% above its 50-day simple moving average ($9.13) and +5.45% above its 200-day simple moving average ($8.80). Across its 52-week range of $8.10 to $9.55, BSBK sits at the 81.4% percentile with a 14-day RSI of 49.7 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($9.11 to $9.45).

Direct Sub-Reports: BSBK RQD Cockpit BSBK 12M Forecast BSBK Earnings & Move BSBK Dividends & DRIP BSBK Insiders & 13F BSBK Whale Options BSBK Profit Sankey BSBK News & Why

ROARABLE RATING BRIEF • RQD 56/100 (D+) ✓ SEC XBRL & RQD VERIFIED

BSBK — Bogota Financial Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Bogota Financial Corp. (BSBK) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $9.28 (+1.64% 1D, market capitalization $116.5M).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 1.5%, gross margin of —, operating margin of —, and free cash flow yield of 2.66%.
Whale 13F & Options Flow (10/20) + Insider Conviction (8/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, Banks industry, with a market capitalization of $0.1B. Per the news wire, the company operates Bogota Savings Bank, which opened a Point Pleasant branch.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Bogota Financial Corp. (BSBK) reported $380.1M in annual revenue (up from $408.0M in FY2024, -6.8% YoY) and $2.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($21.0M revenue, $642.5K net income) through FY2025, BSBK scaled operating cash flow to $3.2M and free cash flow to $3.1M, backed by $904.9M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D+ • RQD 56/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 2.66% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $8.10 – $9.55 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 56.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), BSBK carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can BSBK sustain or expand its — operating margin and 1.5% ROIC against Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $380.1M and free cash flow of $3.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is BSBK's 52.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BSBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bogota Financial Corp. (BSBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BSBK Debate Forum (3) ↓

🟡 MARKET WIRE TradingView • 1d ago

Bogota Financial Corp. Estimates – NASDAQ:BSBK

TradingView report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Deposits fell $71.2 million as Bogota Savings Bank opened a Point Pleasant branch.

Stock Titan report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Bogota Financial Corp Reports Q3 2026 Net Income of $473,000 and GAAP EPS of $0.04

GuruFocus report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com Nigeria • 1d ago

Form 8K Bogota Financial Corp For: 30 October By Investing.com

Investing.com Nigeria report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Bogota Financial (NASDAQ:BSBK) Issues Earnings Results

MarketBeat report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Bogota Financial Reports $472,611 Third-Quarter 2026 Net Income

Quiver Quantitative report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Manila Times • 1d ago

Bogota Financial Corp. Reports Results for the Three and Nine Months Ended September 30, 2026

The Manila Times report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 2d ago

Bogota Financial Reports $1.9 Million in Nine-Month Net Income

TradingView report covering Bogota Financial Corp. (BSBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BSBK Bull vs. Bear Conversation Board — What's Your Call at $9.28?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BSBK 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $10.68 (+17.0%)

📌 Pinned Debate

The company returned to positive net income of $2.1M in FY 2025 and generated $3.1M of FCF, supporting a 2.66% FCF yield.

The street is overcomplicating Bogota Financial Corp. (BSBK). The company returned to positive net income of $2.1M in FY 2025 and generated $3.1M of FCF, supporting a 2.66% FCF yield.. With an RQD score of 56/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $9.86.

CapAlloc_Nerd 🐂 BULL

@FadeTheHype Fair point on 56.3x trailing P/E, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $7.03 (-23.0%)

Spot @ $9.13

Trailing P/E of 56.3 and ROIC of 1.5% leave the valuation dependent on earnings growth, while deposits fell $71.2 million.

Careful chasing BSBK at $9.13. Trailing P/E of 56.3 and ROIC of 1.5% leave the valuation dependent on earnings growth, while deposits fell $71.2 million.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $7.03 on multiple compression.