Bogota Financial Corp. (BSBK) Fair Value 2026

BSBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.6 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, Bogota Financial Corp. (BSBK) trades at $9.25, versus a $3.04 median fair value across its 5 active models — 67.1% below the current price. QOC: 7.6/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
BSBK
Price
$9.25
Quality Score
7.6/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Bogota Financial Corp. (BSBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Bogota Financial Corp. (BSBK) appears overvalued as of : the median of 5 independent fair value estimates is $3.04, 67.1% below the current price of $9.25. Estimates range from $1.78 to $4.00. BSBK scores 7.6/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. BSBK’s -67.1% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Bogota Financial Corp. Stock in 2026? →

What Fair Value Does Each Model Give BSBK?

5 Intrinsic Value Models vs. Current Price ($9.25)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $2.70 -70.9%
Ensemble · Medium Conviction
 $3.04 -67.1%
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What Is BSBK's Fair Value Range?

Spread across 5 independent models · $1.78 to $4.00

CirclFi's 5 active models place Bogota Financial Corp. (BSBK) between $1.78 and $4.00 per share, a spread of 73% of the median. The median of that range — $3.04 — is the fair value CirclFi publishes for BSBK, against a current price of $9.25.

Low · Regime CrossHigh · FTNN
$1.78median $3.04$4.00
Where the range comes from
Most bearish modelRegime Cross-Sectional$1.78
Most bullish modelFTNN Topology$4.00
Model agreement0 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on BSBK, not a CirclFi price target. How each model works →

What Is Bogota Financial Corp. (BSBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Bogota Financial Corp.'s intrinsic value is estimated at $3.04. Trading at its current price of $9.25, the valuation engine raises significant caution: 5 of 5 models flag downside risk, projecting a median implied return of -67.1%.

What Do the Models Say About BSBK?

5 of 13 models are currently active for BSBK. All 5 active models suggest the stock trades above fair value. Taken together, their median fair value for BSBK is $3.04 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BSBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, BSBK ranks #249 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For Bogota Financial Corp., metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is BSBK a Value Trap?

CirclFi's Value Trap algorithm assigns BSBK a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Bogota Financial Corp.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Bogota Financial Corp. scores 7.6 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

Models cluster within a tight range (+24.0% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BSBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BSBK's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Bogota Financial Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FVCBFVCBankcorp, Inc.QOC 7.6BBTBeacon Financial CorporationQOC 7.6PFSBPFS Bancorp, Inc.QOC 7.6CBUCommunity Financial System, Inc.QOC 7.5CHMGChemung Financial CorporationQOC 7.6MNSBMainStreet Bancshares, Inc.QOC 7.5FCBMFirst Carolina Financial Services, Inc.QOC 5.5OVBCOhio Valley Banc Corp.QOC 8.4CBKMConsumers Bancorp, Inc.QOC 8.1STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: FVCB · BBT · PFSB · CBU · CHMG · MNSB · FCBM · OVBC · CBKM · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to BSBK?

6 companies across all industries closest to BSBK’s Quality of Company score of 7.6/10.

HPAIHelport AI LimitedQOC 7.6BMHLBluemount Holdings LimitedQOC 7.6ATLCAtlanticus Holdings CorporationQOC 7.6CERTCertara, Inc.QOC 7.6PWPPerella Weinberg PartnersQOC 7.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HPAI · BMHL · ATLC · CERT · PWP · NVDA

Where Does BSBK Sit in CirclFi's Banks - Regional Rankings?

BSBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Bogota Financial Corp.’s Valuation?

What is Bogota Financial Corp.'s intrinsic value in 2026?

CirclFi puts Bogota Financial Corp. (BSBK)'s intrinsic value at $3.04 — the median of 5 independent model estimates as of 2026-08-28, ranging from $1.78 to $4.00. The Quality of Company score is 7.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BSBK overvalued or undervalued right now?

At $9.25, 0 of 5 active models suggest BSBK may be undervalued, while 5 indicate potential overvaluation. The median of all 5 fair value estimates is $3.04, 67.1% below the current price of $9.25 — a consensus view that BSBK is overvalued. The assessment depends on which methodology best fits Bogota Financial Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 7.6 mean for BSBK?

Bogota Financial Corp.'s QOC of 7.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BSBK?

CirclFi analyzes BSBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BSBK?

Of the 5 models currently active on BSBK, FTNN Topology is the most bullish at $4.00 per share, and Regime Cross-Sectional is the most bearish at $1.78. CirclFi's published fair value for BSBK is the median of that range, $3.04, not either extreme. The gap between the two ends equals 73% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is BSBK a value trap in 2026?

Bogota Financial Corp.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Bogota Financial Corp. (BSBK) has a median fair value of $3.04 — 67.1% below the current price of $9.25 — as of 2026-08-28.” Source: circlfi.com/stock/BSBK/ · Methodology
Primary sources for this BSBK valuation
  • Financial statements: Bogota Financial Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0001787414) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BSBK as of ; valuations recomputed .

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