Stock fact sheet · data as of
Bogota Financial Corp. (BSBK): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is BSBK undervalued?
Bogota Financial Corp. (BSBK) closed at 9.13 on 16 Oct 2026, 37% above the GLS average fair value of 6.67. 5 of the 7 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
The 7 models disagree widely: Lynch gives 0.8290 while Payback Time gives 12.95. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files BSBK under Blend.
Nine valuation models for BSBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 7.28 | -20% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 3.34 | -63% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.8290 | -91% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 12.69 | +39% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 7.27 | -20% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 12.95 | +42% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 2.30 | -75% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -57.82 | -733% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health BSBK scores 9/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 6.5 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are thin or negative - ROIC 0.9%, ROE 1.5%, ROA 0.2% - with debt at 0.74 times equity and a free-cash-flow yield of 3.5%.
Bogota Financial Corp. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 9 / 9 | ROIC | 0.9% |
|---|---|---|---|
| GLS Moat | 6.5 / 10 | ROE | 1.5% |
| Debt / equity | 0.74 | ROA | 0.2% |
| Free-cash-flow yield | 3.5% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 36: No options
BSBK has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (36 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $117M, with a beta of 0.14 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -37% margin of safety | |
| Health | 20 / 20 | Piotroski 9/9 | |
| Moat | 10 / 15 | moat 6.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $117M cap, beta 0.14 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 4 Nov 2026, 19 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bogota Financial Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CZBS Citizens Bancshares Corporation | 66.90 | 135.37 | +51% | 39No options | $117M |
| BORT Bank of Botetourt | 59.24 | 107.04 | +45% | 39No options | $117M |
| WSBK Winchester Bancorp, Inc. Common Stock | 12.91 | 10.68 | -21% | 31No options | $116M |
| NWPP New Peoples Bankshares, Inc. | 4.91 | 8.22 | +40% | 39No options | $116M |
| NMBF Nmb Financial Corp | 22.05 | 34.86 | +37% | 38No options | $118M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
| OXBC Oxford Bank Corporation | 46.10 | 95.47 | +52% | 39No options | $114M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| UNB Union Bankshares, Inc. | 22.89 | 44.70 | +49% | 39No options | $113M |
| RVSB Riverview Bancorp, Inc. | 6.01 | 6.83 | +12% | 45Weak | $120M |
| PROV Provident Financial Holdings, Inc. | 18.15 | 15.88 | -14% | 39No options | $113M |
| CMHF Community Heritage Financial, Inc. | 40.74 | 37.65 | -8% | 31No options | $120M |
⚖ Compare BSBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BSBK
Is BSBK undervalued right now?
No: at 9.13 the stock trades 37% above the GLS average fair value of 6.67 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of BSBK and what does it mean?
BSBK has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BSBK?
6.67 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bogota Financial Corp. report earnings next?
The next earnings report is due on 4 Nov 2026, 19 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BSBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BSBK, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.