Bogota Financial reports Q4 profit on higher interest income

Bogota Financial

13/02/2026 14:09

Overview

Bank holding company reported Q4 net income of $680,000, reversing prior year's loss

Total assets decreased 6.9% due to lower cash and loan balances

Company repurchased 76,673 shares at a cost of $656,000

Outlook

Bogota Financial Corp. plans to open a new branch in Central/Southern New Jersey by early summer

Company is continuing its stock buyback program to enhance shareholder value

Bogota Financial Corp. focuses on investing in customers and expanding capabilities

Result Drivers

INTEREST INCOME - Increase in interest income due to higher yields on interest-earning assets, despite lower average balances

INTEREST EXPENSE REDUCTION - Decrease in interest expense driven by lower costs on interest-bearing liabilities and reduced Federal Home Loan Bank borrowings

BALANCE SHEET RESTRUCTURING - Increased securities yields due to balance sheet restructuring, contributing to higher interest income

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.05
Q4 Basic EPS
$0.05


Analyst Coverage

The stock recently traded at 22 times the next 12-month earnings vs. a P/E of 23 three months ago

Press Release: ID:nGNXch5Lyb

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)