What is Bogota Financial Corp.'s year four?

Bogota Financial Corp. (BSBK) reported year four of $3.26M in Q1 2026.

What does year four mean?

This represents the principal balance of financing receivables scheduled to mature or be repaid during the fourth year following the reporting date, excluding accrued interest. It contributes to the overall maturity ladder analysis of the bank's earning assets. Investors use this to evaluate the bank's long-term asset-liability management strategy and structural liquidity.

Bogota Financial Corp. BSBK Year four

Year four at other companies

M&T BankMTB

$10.53B-38.1%

Kearny FinancialKRNY

$847.26M-46.3%

RBK

Rhinebeck Bancorp, Inc.RBKB

$153.72M-33.8%

Sound Financial BancorpSFBC

——

SR Bancorp, Inc.SRBK

——

Other financials

Income statement

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Revenue$4.7M+5.9%

Net income$705.9K-3.4%

EPS (diluted)$0.060.0%

Balance sheet

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Cash & equivalents$27.9M+9.0%

Total debt$69.4M+97.3%

Total equity$142.1M+2.7%

Total assets$877.2M-5.7%

Cash flow

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Operating cash flow$702.6K+4,487%

CapEx$29.3K-19.1%

Free cash flow$673.3K+1,390%

Valuation

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Market cap$116.46M+15.2%

Enterprise value$157.92M+20.3%

P/E56.4×—

P/S6.7×-0.4×

Profitability

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Net margin11.8%+8.5pp

FCF margin22%—

Returns & leverage

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Return on equity1.5%+1.1pp

Debt / equity0.5×+0.2×

Where this comes from

Reported directly by Bogota Financial Corp. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear.

The official record: Bogota Financial Corp.’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bogota Financial Corp.'s year four?: Bogota Financial Corp. (BSBK) reported year four of $3.26M in Q1 2026.
What does year four mean?: This represents the principal balance of financing receivables scheduled to mature or be repaid during the fourth year following the reporting date, excluding accrued interest. It contributes to the overall maturity ladder analysis of the bank's earning assets. Investors use this to evaluate the bank's long-term asset-liability management strategy and structural liquidity.