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Bogota FinancialBSBK +2.68%64 Debt-to-Equity is 1.07 as of Jun. 2026, which is 18% above its 10-year median of 0.91. GuruFocus rates BSBK with a GF Score™ of 64/100 and a GF Value™ of $9.40 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,419 Banks companies, Bogota Financial ranks worse than 68.85% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bogota Financial's Debt-to-Equity or its related term are showing as below:
BSBK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.54 Med: 0.91 Max: 1.48
Current: 1.07
During the past 9 years, the highest Debt-to-Equity Ratio of Bogota Financial was 1.48. The lowest was 0.54. And the median was 0.91.
BSBK's Debt-to-Equity is ranked worse than 68.85% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs BSBK: 1.07
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bogota Financial Debt-to-Equity Related Terms
Bogota Financial Debt-to-Equity Historical Data
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The historical data trend for Bogota Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BSBK vs WSBK, FKYS, BBNA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Bogota Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bogota Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bogota Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bogota Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bogota Financial (BSBK) has a Debt-to-Equity of 1.07 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bogota Financial and its competitors. This is 18% above median its historical median of 0.91. Over the past decade, Bogota Financial's Debt-to-Equity has ranged from 0.54 to 1.48. According to the industry distribution chart, Bogota Financial ranks #977 out of 1419 companies in the Banks industry, placing it in the top 68.9%.
Is Bogota Financial's Debt-to-Equity too high?
Bogota Financial's current Debt-to-Equity of 1.07 is 18% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.48. The Banks industry median Debt-to-Equity is 0.58. Bogota Financial's value of 1.07 is 84.5% above this industry median. Based on the distribution chart, Bogota Financial ranks #977 out of 1419 companies in the Banks industry, which is below the industry midpoint. Overall, Bogota Financial has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bogota Financial's Debt-to-Equity compare to WSBK and FKYS?
According to the Banks industry distribution chart, Bogota Financial ranks #977 out of 1419 companies for Debt-to-Equity. This places Bogota Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Bogota Financial's value of 1.07 is 84.5% above this benchmark. Historically, Bogota Financial's own Debt-to-Equity has ranged from 0.54 to 1.48 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.58, Bogota Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bogota Financial's current Debt-to-Equity of 1.07 is 84.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bogota Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bogota Financial's current Debt-to-Equity is 1.07, which is 18% above median its own 10-year median of 0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bogota Financial stock overvalued right now?
Based on GuruFocus' analysis, Bogota Financial (BSBK) is currently considered Fairly Valued. The stock's GF Value™ is $9.40, compared to a current price of $9.42 — trading 0.2% above its estimated fair value. The current Debt-to-Equity is 1.07, which is 18% above median its 10-year median of 0.91 and 84.5% above the Banks industry median of 0.58. Bogota Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bogota Financial (BSBK), the current Debt-to-Equity is 1.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bogota Financial (BSBK) Overvalued in 2026?
Based on GuruFocus' analysis, Bogota Financial stock appears to be overvalued.
The current stock price of $9.42 is trading 0.2% above its estimated GF Value™ of $9.40.
GuruFocus considers Bogota Financial to be Fairly Valued.
Key valuation signals for BSBK:
Debt-to-Equity: 1.07 (18% above median its 10-year median of 0.91)
GF Value™: $9.40 vs. price of $9.42 (0.2% above fair value)
Industry Position: 84.5% above the Banks median (#977 of 1419)
No single metric tells the full story. See the BSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bogota Financial Corp is a New Jersey-based bank. It offers personal and business banking services such as savings, certificates of deposits, online banking, loans, and many more. The Bank generally grants residential, commercial, and consumer loans to, and accepts deposits from, customers in New Jersey. The Company operates one reportable segment of business, retail banking. Through its community banking segment, the Company provides a broad range of retail and commercial banking services.
64GF Score
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