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

Why BSBK Stock advanced +1.64% Today — RQD Quant Desk Flash

$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
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🤖 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
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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+
025507510056
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
Cash (12)Whales (10)SEC (13)Macro (13)CEO (8)
Each axis scored 0–20
12M PRICE TARGET CONE-0.9% Base Target
$11 Bull$9 Base$7 Bear
📬 FREE BSBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
48
Grade D$9.09+0.3% Next Q
Q2 (-2Q)
51
Grade C-$9.12-0.1% Next Q
Q3 (-1Q)
53
Grade C-$9.11+1.9% Next Q
Current
56
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 →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why BSBK Stock advanced +1.64% Today — RQD Quant Desk Flash

Bogota Financial Corp. (BSBK) advanced +1.64% to $9.28, trading at 81% of its 52-week range ($8.1 – $9.55). Stretched risk/reward at 56x P/E (2% return on capital) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 81% of its 52-week range ($8.1 – $9.55) with RSI-14 at 49.7 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±1.8% around $9.28 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $3.1M annual free cash flow.
Live BSBK Headlines & Catalysts
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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
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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
$9.65$9.25$8.85$8.45$8.06RES $9.37SUP $9.10$9.282026-05-042026-06-172026-08-042026-09-182026-11-03
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?

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.

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

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).

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

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.

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) ↓
🔥 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
1. Pick Your Side on BSBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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.

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