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Bogota FinancialBSBK -0.44%61 Equity-to-Asset is 0.16 as of Jun. 2026, which is 7% above its 10-year median of 0.15. GuruFocus rates BSBK with a GF Score™ of 61/100 and a GF Value™ of $9.34 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,518 Banks companies, Bogota Financial ranks better than 89.2% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Bogota Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $141.97 Mil. Bogota Financial's Total Assets for the quarter that ended in Jun. 2026 was $874.99 Mil.
Therefore, Bogota Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.16.
The historical rank and industry rank for Bogota Financial's Equity-to-Asset or its related term are showing as below:
BSBK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 0.18
Current: 0.16
During the past 9 years, the highest Equity to Asset Ratio of Bogota Financial was 0.18. The lowest was 0.10. And the median was 0.15.
BSBK's Equity-to-Asset is ranked better than 89.2% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs BSBK: 0.16
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bogota Financial Equity-to-Asset Related Terms
Bogota Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Bogota Financial's Equity-to-Asset 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 KTHN, CNBP, UNB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Bogota Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bogota Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bogota Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Bogota Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.16 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bogota Financial and its competitors. This is near median its historical median of 0.15. Over the past decade, Bogota Financial's Equity-to-Asset has ranged from 0.10 to 0.18. According to the industry distribution chart, Bogota Financial ranks #164 out of 1518 companies in the Banks industry, placing it in the top 10.8%.
Is Bogota Financial's Equity-to-Asset too high?
Bogota Financial's current Equity-to-Asset of 0.16 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.18. The Banks industry median Equity-to-Asset is 0.10. Bogota Financial's value of 0.16 is 60% above this industry median. Based on the distribution chart, Bogota Financial ranks #164 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bogota Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bogota Financial's Equity-to-Asset compare to KTHN and CNBP?
According to the Banks industry distribution chart, Bogota Financial ranks #164 out of 1518 companies for Equity-to-Asset. This places Bogota Financial in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Bogota Financial's value of 0.16 is 60% above this benchmark. Historically, Bogota Financial's own Equity-to-Asset has ranged from 0.10 to 0.18 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bogota Financial's current Equity-to-Asset of 0.16 is 60% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bogota Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bogota Financial's current Equity-to-Asset is 0.16, which is near median its own 10-year median of 0.15. 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 $9.34, compared to a current price of $9.04 — trading 3.2% below its estimated fair value. The current Equity-to-Asset is 0.16, which is near median its 10-year median of 0.15 and 60% above the Banks industry median of 0.10. Bogota Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bogota Financial (BSBK), the current Equity-to-Asset is 0.16 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 undervalued.
The current stock price of $9.04 is trading 3.2% below its estimated GF Value™ of $9.34.
GuruFocus considers Bogota Financial to be Fairly Valued.
Key valuation signals for BSBK:
Equity-to-Asset: 0.16 (near median its 10-year median of 0.15)
GF Value™: $9.34 vs. price of $9.04 (3.2% below fair value)
Industry Position: 60% above the Banks median (#164 of 1518)
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.
61GF Score
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