Bogota Financial announces sale-leaseback transaction
Balance Sheet Restructuring: Bogota Financial's Bank completed a balance sheet restructuring in Q4 2024, involving a sale-leaseback of three branch offices for a $9.0 million pre-tax gain and the sale of securities resulting in an $8.9 million pre-tax loss.
Investment Strategy: Proceeds from the securities sales will be reinvested into higher-yielding securities and used to fund loans at market rates, aiming to enhance net interest margin and return on assets while removing HTM designation on remaining securities.
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Bogota Financial Reports Q4 2025 Earnings
- Earnings Performance: Bogota Financial reported a GAAP EPS of $0.05 for Q4 2025, with revenue at $4.5 million, indicating challenges in revenue growth that necessitate enhanced market competitiveness to improve profitability.
- Asset and Liability Changes: Total assets decreased by $66.7 million, or 6.9%, to $904.9 million as of December 31, 2025, primarily due to a decline in cash and cash equivalents, reflecting pressure on liquidity management and the need for optimized asset allocation to strengthen financial stability.
- Loan and Deposit Dynamics: Net loans fell by $64.1 million, or 9.0%, to $647.6 million, with an increase in commercial real estate loans offset by declines in other loan categories, potentially impacting future revenue sources and highlighting the need for loan portfolio optimization.
- Stock Buyback Program: As of December 31, 2025, the company repurchased 76,673 shares of common stock at a cost of $656,000, demonstrating confidence in its stock value while providing returns to shareholders, necessitating ongoing attention to the execution of the buyback program.
Bogota Financial Corp. Reports $2.1 Million Net Income for 2025, Rebounding from Loss
- Profitability Recovery: Bogota Financial Corp. reported a net income of $2.1 million for 2025, rebounding from a loss of $2.2 million in 2024, demonstrating effective strategic execution and market adaptability, which is expected to boost investor confidence.
- Balance Sheet Adjustment: As of December 31, 2025, total assets decreased by $66.7 million to $904.9 million, primarily due to reductions in cash and cash equivalents and loans, reflecting the company's cautious strategy in liquidity management aimed at optimizing capital allocation.
- Loan and Deposit Dynamics: Net loans decreased by $64.1 million, or 9%, to $647.6 million, despite an increase in commercial real estate loans, indicating shifts in market demand that may impact the company's future loan growth strategy.
- Share Buyback Program: The company repurchased 76,673 shares of common stock at a cost of $656,000 under its current buyback program, signaling a commitment to enhancing shareholder value, which is expected to further strengthen market confidence in its long-term growth potential.
BOGOTA FINANCIAL CORP. Reports Q4 Earnings Per Share of USD 0.05
Company Overview: Bogotá Financial Corp. is a financial institution based in Bogotá, Colombia.
Earnings Report: The company reported an earnings per share (EPS) of 0.05 USD for the fourth quarter.
Bogota Financial (BSBK) Q2 Profit Up
Return to Profitability: Bogota Financial reported a return to profitability in Q2 2025, with GAAP earnings per share of $0.02, driven by a 34.7% increase in net interest income, despite declines in loan balances and deposits.
Challenges and Focus Areas: The bank faced rising loan delinquencies primarily due to a single large commercial loan, while management emphasized the importance of maintaining asset quality and managing funding costs as they aim for growth in consumer and commercial deposits.
Bogota Financial Reports Profit In The Three Months Ended June 30, 2025
Financial Performance: Bogota Financial (BSBK) reported a net income of $224 thousand for the quarter ending June 30, 2025, a turnaround from a loss of $432 thousand in the same period last year, with an increase in net interest income to $3.7 million.
Market Position: The company's net interest margin improved to 1.74%, and BSBK shares are currently trading at $8.29, reflecting a 2.20% increase on NasdaqCM.
Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2024
Financial Performance Overview: Bogota Financial Corp. reported a net loss of $2.2 million for 2024, a significant decline from a net income of $643,000 in 2023, despite improvements in asset growth and deposit increases. The company also underwent a balance sheet restructuring that included a sale-leaseback transaction and the reinvestment of proceeds into higher-yield securities.
Key Financial Metrics: Total assets increased to $971.5 million, with cash and cash equivalents rising significantly, while net loans slightly decreased. Interest income grew by 12% year-over-year, but net interest income fell by 29.5%, reflecting challenges in maintaining profitability amidst rising interest expenses and a narrowing interest rate spread.
Bogota Financial Reports Q4 2025 Earnings
- Earnings Performance: Bogota Financial reported a GAAP EPS of $0.05 for Q4 2025, with revenue at $4.5 million, indicating challenges in revenue growth that necessitate enhanced market competitiveness to improve profitability.
- Asset and Liability Changes: Total assets decreased by $66.7 million, or 6.9%, to $904.9 million as of December 31, 2025, primarily due to a decline in cash and cash equivalents, reflecting pressure on liquidity management and the need for optimized asset allocation to strengthen financial stability.
- Loan and Deposit Dynamics: Net loans fell by $64.1 million, or 9.0%, to $647.6 million, with an increase in commercial real estate loans offset by declines in other loan categories, potentially impacting future revenue sources and highlighting the need for loan portfolio optimization.
- Stock Buyback Program: As of December 31, 2025, the company repurchased 76,673 shares of common stock at a cost of $656,000, demonstrating confidence in its stock value while providing returns to shareholders, necessitating ongoing attention to the execution of the buyback program.
Bogota Financial Corp. Reports $2.1 Million Net Income for 2025, Rebounding from Loss
- Profitability Recovery: Bogota Financial Corp. reported a net income of $2.1 million for 2025, rebounding from a loss of $2.2 million in 2024, demonstrating effective strategic execution and market adaptability, which is expected to boost investor confidence.
- Balance Sheet Adjustment: As of December 31, 2025, total assets decreased by $66.7 million to $904.9 million, primarily due to reductions in cash and cash equivalents and loans, reflecting the company's cautious strategy in liquidity management aimed at optimizing capital allocation.
- Loan and Deposit Dynamics: Net loans decreased by $64.1 million, or 9%, to $647.6 million, despite an increase in commercial real estate loans, indicating shifts in market demand that may impact the company's future loan growth strategy.
- Share Buyback Program: The company repurchased 76,673 shares of common stock at a cost of $656,000 under its current buyback program, signaling a commitment to enhancing shareholder value, which is expected to further strengthen market confidence in its long-term growth potential.
BOGOTA FINANCIAL CORP. Reports Q4 Earnings Per Share of USD 0.05
Company Overview: Bogotá Financial Corp. is a financial institution based in Bogotá, Colombia.
Earnings Report: The company reported an earnings per share (EPS) of 0.05 USD for the fourth quarter.
Bogota Financial (BSBK) Q2 Profit Up
Return to Profitability: Bogota Financial reported a return to profitability in Q2 2025, with GAAP earnings per share of $0.02, driven by a 34.7% increase in net interest income, despite declines in loan balances and deposits.
Challenges and Focus Areas: The bank faced rising loan delinquencies primarily due to a single large commercial loan, while management emphasized the importance of maintaining asset quality and managing funding costs as they aim for growth in consumer and commercial deposits.
Bogota Financial Reports Profit In The Three Months Ended June 30, 2025
Financial Performance: Bogota Financial (BSBK) reported a net income of $224 thousand for the quarter ending June 30, 2025, a turnaround from a loss of $432 thousand in the same period last year, with an increase in net interest income to $3.7 million.
Market Position: The company's net interest margin improved to 1.74%, and BSBK shares are currently trading at $8.29, reflecting a 2.20% increase on NasdaqCM.
Bogota Financial Corp. Reports Results for the Three and Twelve Months Ended December 31, 2024
Financial Performance Overview: Bogota Financial Corp. reported a net loss of $2.2 million for 2024, a significant decline from a net income of $643,000 in 2023, despite improvements in asset growth and deposit increases. The company also underwent a balance sheet restructuring that included a sale-leaseback transaction and the reinvestment of proceeds into higher-yield securities.
Key Financial Metrics: Total assets increased to $971.5 million, with cash and cash equivalents rising significantly, while net loans slightly decreased. Interest income grew by 12% year-over-year, but net interest income fell by 29.5%, reflecting challenges in maintaining profitability amidst rising interest expenses and a narrowing interest rate spread.
