Bogota FinancialBSBK -0.55%62 ROA % is 0.32% as of Mar. 2026, which is 6% below its 10-year median of 0.34. GuruFocus rates BSBK with a GF Score™ of 62/100 and a GF Value™ of $9.05 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Bogota Financial ranks worse than 89.21% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bogota Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $2.82 Mil.
Bogota Financial's average Total Assets over the quarter that ended in Mar. 2026 was $891.10 Mil. Therefore, Bogota Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.32%.
The historical rank and industry rank for Bogota Financial's ROA % or its related term are showing as below:
BSBK'
s ROA % Range Over the Past 10 Years
Min: -0.23 Med: 0.34 Max: 0.95
Current: 0.23
During the past 9 years, Bogota Financial's highest ROA % was 0.95%. The lowest was -0.23%. And the median was 0.34%.
BSBK's ROA % is ranked worse than 89.21% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs BSBK: 0.23
Bogota Financial (NAS:BSBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Bogota Financial ROA % Related Terms
Bogota Financial ROA % Historical Data
* Premium members only.
The historical data trend for Bogota Financial's ROA % 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.
For the Banks - Regional subindustry, Bogota Financial's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bogota Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Bogota Financial's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Bogota Financial (BSBK) has a ROA % of 0.32% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bogota Financial and its competitors. This is near median its historical median of 0.34. According to the industry distribution chart, Bogota Financial ranks #1364 out of 1529 companies in the Banks industry, placing it in the top 89.2%.
Is Bogota Financial's ROA % too high?
Bogota Financial's current ROA % of 0.32% is near median its 10-year median of 0.34. The Banks industry median ROA % is 0.98. Bogota Financial's value of 0.32% is 67.3% below this industry median. Based on the distribution chart, Bogota Financial ranks #1364 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROA % compare to MPCB and UNB?
According to the Banks industry distribution chart, Bogota Financial ranks #1364 out of 1529 companies for ROA %. This places Bogota Financial in the lower half of its industry. The industry median ROA % is 0.98. Bogota Financial's value of 0.32% is 67.3% below this benchmark. While the company's 10-year median is 0.34 vs. the industry median of 0.98, Bogota Financial has consistently been below 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bogota Financial's current ROA % of 0.32% is 67.3% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bogota Financial and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bogota Financial's current ROA % is 0.32%, which is near median its own 10-year median of 0.34. 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 $9.05, compared to a current price of $9.11 — trading 0.7% above its estimated fair value. The current ROA % is 0.32%, which is near median its 10-year median of 0.34 and 67.3% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Bogota Financial (BSBK), the current ROA % is 0.32% as of Mar. 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 $9.11 is trading 0.7% above its estimated GF Value™ of $9.05.
GuruFocus considers Bogota Financial to be Fairly Valued.
Key valuation signals for BSBK:
ROA %: 0.32% (near median its 10-year median of 0.34)
GF Value™: $9.05 vs. price of $9.11 (0.7% above fair value)
Industry Position: 67.3% below the Banks median (#1364 of 1529)
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.
62GF Score
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