Bogota Financial (NASDAQ:BSBK – Get Free Report) and First Bank (NASDAQ:FRBA – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, risk, earnings, analyst recommendations, dividends and valuation.
Analyst Recommendations
This is a summary of current ratings and recommmendations for Bogota Financial and First Bank, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bogota Financial | 0 | 1 | 0 | 0 | 2.00 |
| First Bank | 0 | 2 | 3 | 0 | 2.60 |
First Bank has a consensus target price of $19.67, suggesting a potential upside of 11.11%. Given First Bank’s stronger consensus rating and higher possible upside, analysts plainly believe First Bank is more favorable than Bogota Financial.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bogota Financial | $44.78 million | 2.58 | $2.09 million | $0.21 | 43.19 |
| First Bank | $245.83 million | 1.81 | $43.66 million | $1.69 | 10.47 |
First Bank has higher revenue and earnings than Bogota Financial. First 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.
Profitability
This table compares Bogota Financial and First 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% |
| First Bank | 17.45% | 9.57% | 1.06% |
Volatility & Risk
Bogota Financial has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500. Comparatively, First Bank has a beta of 0.57, suggesting that its stock price is 43% less volatile than the S&P 500.
Institutional and Insider Ownership
11.6% of Bogota Financial shares are held by institutional investors. Comparatively, 64.9% of First Bank shares are held by institutional investors. 3.7% of Bogota Financial shares are held by insiders. Comparatively, 13.1% of First Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Summary
First 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 First Bank
First Bank provides various banking products and services to small to mid-sized businesses and individuals. The company accepts various deposits, including non-interest-bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. It also offers various loan products comprising commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans consists of auto, personal, traditional installment, and other loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone; ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services, as well as engages in the capital markets activities. It operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Pennington, Randolph, Somerset, and Williamstown, New Jersey; Doylestown, Trevose, Warminster, and West Chester, Paoli, Malvern, Coventry, Devon, Lionville, and Glen Mills Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.
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