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Bogota Financial Corp. (BSBK) — RQD Stock Rating Cockpit

$9.23 -0.11% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.21

Bogota Financial Corp. (BSBK) carries a Roarable Rating of D (Sell) with 51/100 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.

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $117.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.21 (-0.21%)🧬 Disciplined Float (-0.12% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury 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 SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BSBK)Realized 20D OHLCV Swing Band: ±1.8%

Deterministic 5-Pillar Attribution (51/100 Composite)

🔍 WHY BSBK SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 0.1% FCF Margin ($3.1M FCF) & 52% Gross Margin

▼ #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)

Grade D$9.08+0.6% Next Q

Q2 (-2Q)

Grade D$9.13-0.3% Next Q

Q3 (-1Q)

Grade D$9.10+1.4% Next Q

Current

Grade D$9.23-1.3% Hist 90D α

Trajectory: D (43) → D (51)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BSBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BSBK currently carries a cautious 51/100 (D) rating due to Insider Conviction & Share Dilution (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($9.13) and Max Pain ($9.69) forces dealer call-delta covering toward $10.55.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.12% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 51%NO 49%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE78% OF RANGE

L: $8$9.23H: $10

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 16 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BSBK

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

1.5% ROIC with 42.0% gross margin and 2.66% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (43)

16/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like BSBK

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Priced at 56x earnings—high expectations leave less room for a lukewarm quarter.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BSBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.74%▲ ASCENDING CHANNEL

2026-10-30O $9.22H $9.38L $9.10C $9.23VOL 6.8K

RES: $9.94SUP: $9.09SMA50: $9.13SMA200: $8.79

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 (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

39.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #823 of 1096 ⚔️ WSBK vs BSBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (BSBK vs. WSBK, FNWB, SRBK, HYNE)

Industry: Banks (24 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Bogota Financial Corp. (BSBK) ranks #823 by composite RQD confidence (51/100, grade D) and #945 by equity capitalization ($117.8M). 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. SRBK currently holds the highest overall quantitative score in the immediate peer group at 57/100 (D+) compared with BSBK at 51/100 (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	51/100	56.3x	—	1.5%	-0.11%	$117.8M	Benchmark Subject
WSBK Winchester Bancorp Inc.	D+	53/100	—	—	-0.7%	+0.41%	$123.9M	/wsbk-vs-bsbk →
FNWB First Northwest Bancorp	D-	37/100	—	—	-2.7%	-0.10%	$98.1M	/fnwb-vs-bsbk →
SRBK SR Bancorp Inc.	D+	57/100	29.3x	—	2.7%	+0.64%	$150.5M	/srbk-vs-bsbk →
HYNE Hoyne Bancorp Inc.	D+	53/100	—	—	0.1%	+1.44%	$153.7M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$2.1M	$3.2M	$3.1M	$904.9M	—
FY2024 (FY)	2024-12-31	$0	-$2.2M	-$2.6M	-$3.2M	$971.5M	—
FY2023 (FY)	2023-12-31	$0	$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 2026-11-01, Bogota Financial Corp. (NASDAQ: BSBK) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $9.23 (-0.11% 1D, market cap $117.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 8/20. Across 1096 tracked Financials issuers, BSBK ranks #823 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 (51/100 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 $123.9M) and FNWB (First Northwest Bancorp) posts a D- grade (37/100 RQD, P/E N/A, ROIC -2.7%, cap $98.1M). 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 $0 in revenue, $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 $9.23 (-0.11% on volume of 22,990 shares), positioning the stock +1.10% above its 50-day simple moving average ($9.13) and +5.01% above its 200-day simple moving average ($8.79). Across its 52-week range of $8.10 to $9.55, BSBK sits at the 77.9% percentile with a 14-day RSI of 50.1 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($9.06 to $9.40).

BSBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BSBK stock right now?

Bogota Financial Corp. (BSBK) currently earns a Roarable Rating of D (Sell — SELL) with 51/100 RQD Confidence. Stretched risk/reward at 56x P/E (2% return on capital) under elevated 10-year interest-rate pressure.

What is BSBK's 12-month price target and RQD AI Jury consensus?

BSBK's 12-month base price target is $8.94 (range $6.97 to $10.55), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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