BSBK (Bogota Financial) Moat Score: 3/10 (As of Jul. 03, 2026)


BSBK Bogota Financial Corp BSBK
62 GF Score
Price $9.06
GF Value $9.03
Valuation Fairly Valued
! 5 Warning Signs
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What is Bogota Financial Moat Score?

Bogota Financial BSBK -0.44% 62 Moat Score is 3 as of Jul. 03, 2026. GuruFocus rates BSBK with a GF Score™ of 62/100 and a GF Value™ of $9.03 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Bogota Financial ranks better than 74.49% on this metric.

Bogota Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Bogota Financial has No Moat: Bogota Financial Corp operates in a competitive financial services market with limited differentiation. The company lacks significant brand strength, customer switching costs, or regulatory advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bogota Financial might have No Moat - Very weak/transient advantages.

Bogota Financial  (NAS:BSBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bogota Financial Moat Score Related Terms

BSBK vs AMBK, JFBC, SFDL: Moat Score Comparison

For the Banks - Regional subindustry, Bogota Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bogota Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Bogota Financial's Moat Score falls into.


BSBK
62GF Score
Bogota Financial Corp BSBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Bogota Financial (BSBK) has a Moat Score of 3 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bogota Financial ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is Bogota Financial's Moat Score too high?
Bogota Financial's current Moat Score is 3. Based on the distribution chart, Bogota Financial ranks #411 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Bogota Financial has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bogota Financial's Moat Score compare to AMBK and JFBC?
According to the Banks industry distribution chart, Bogota Financial ranks #411 out of 1611 companies for Moat Score. This puts Bogota Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bogota Financial's current Moat Score is 3. 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 $9.03, compared to a current price of $9.06 — trading 0.3% above its estimated fair value. The current Moat Score is 3. Bogota Financial's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bogota Financial (BSBK), the current Moat Score is 3 as of Jul. 03, 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 $9.06 is trading 0.3% above its estimated GF Value™ of $9.03. GuruFocus considers Bogota Financial to be Fairly Valued.

Key valuation signals for BSBK:

  • Moat Score: 3
  • GF Value™: $9.03 vs. price of $9.06 (0.3% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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 Business Description

Address 819 Teaneck Road, Teaneck, New Jersey, NJ, USA, 07666
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.
62GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.06
Price
$9.03
GF Value