Bogota Financial (NASDAQ:BSBK – Get Free Report) and M&T Bank (NYSE:MTB – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, analyst recommendations, earnings, risk, valuation, profitability and institutional ownership.
Insider & Institutional Ownership
11.6% of Bogota Financial shares are owned by institutional investors. Comparatively, 84.7% of M&T Bank shares are owned by institutional investors. 3.7% of Bogota Financial shares are owned by insiders. Comparatively, 0.4% of M&T Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares Bogota Financial and M&T Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bogota Financial | 6.00% | 1.83% | 0.29% |
| M&T Bank | 22.72% | 11.80% | 1.42% |
Volatility and Risk
Analyst Recommendations
This is a summary of current recommendations for Bogota Financial and M&T Bank, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bogota Financial | 0 | 1 | 0 | 0 | 2.00 |
| M&T Bank | 1 | 13 | 8 | 0 | 2.32 |
M&T Bank has a consensus price target of $250.47, suggesting a potential upside of 14.69%. Given M&T Bank’s stronger consensus rating and higher possible upside, analysts clearly believe M&T Bank is more favorable than Bogota Financial.
Valuation & Earnings
This table compares Bogota Financial and M&T Bank”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bogota Financial | $44.78 million | 2.59 | $2.09 million | $0.21 | 43.24 |
| M&T Bank | $9.83 billion | 3.21 | $2.85 billion | $18.94 | 11.53 |
M&T Bank has higher revenue and earnings than Bogota Financial. M&T Bank is trading at a lower price-to-earnings ratio than Bogota Financial, indicating that it is currently the more affordable of the two stocks.
Summary
M&T Bank beats Bogota Financial on 12 of the 14 factors compared between the two stocks.
About Bogota Financial
Bogota Financial Corp. operates as the bank holding company for Bogota Savings Bank that provides banking products and services in the United States. It offers deposit accounts, including demand accounts, savings accounts, money market accounts, and certificate of deposit accounts. The company also provides one-to four-family residential real estate loans, and commercial real estate and multi-family loans; consumer loans, such as home equity loans and lines of credit; commercial and industrial loans; and construction loans; and buys, sells, and holds investment securities. It operates through various offices located in Bogota, Hasbrouck Heights, Newark, Oak Ridge, Parsippany, and Teaneck, as well as through a loan production office in Spring Lake, New Jersey. The company was founded in 1893 and is based in Teaneck, New Jersey. Bogota Financial Corp. operates as a subsidiary of Bogota Financial, MHC.
About M&T Bank
M&T Bank Corp. operates as a bank holding company, which engages in the provision of retail and commercial banking, trust, wealth management, and investment services. It operates through the following segments: Commercial Bank, Retail Bank, Institutional Services and Wealth Management, and All Other. The Commercial Bank segment offers a wide range of credit products and banking services to middle-market and large commercial customers, mainly within the markets served by the company. The Retail Bank segment refers to the services to consumers and small businesses through the company’s branch network and several other delivery channels such as telephone banking, internet banking, and ATMs. The Institutional Services and Wealth Management segment relates to helping high net worth individuals, institutions, and families grow, preserve, and transfer wealth. The All Other segment reflects other activities of the company that are not directly attributable to the reported segments. The company was founded on August 30, 1856 and is headquartered in Buffalo, NY.
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