Bogota Financial Corp. Financial Ratios — BSBK Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.85	3.28	2.71	9.25	7.77	0.7	-2.38	2.29
Return on Assets (%)	- -	0.63	0.34	0.27	0.95	0.77	0.07	-0.23	0.22
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.42	2.26	2.53	1.85	-1.57	1.06	2.84	4.12	2.89
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	44.97	39.93	27.99	17.04	43.06	39.22	2.98	-21.36	12.02
Profit Margin (%)	26.86	29.88	20.73	14.07	34.46	28.42	3.99	-18.24	12.13
Net Income to Common Margin (%)	26.86	29.88	20.73	14.07	34.46	28.42	3.99	-18.24	12.13
Effective Tax Rate (%)	40.26	25.16	25.94	17.45	19.96	27.55	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.85	3.28	2.71	9.25	7.77	0.7	-2.38	2.29

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	89	75	97	104	85	102	168	183	104
ST Debt	- -	- -	- -	- -	6	59	38	30	20
LT Debt	89	75	97	104	79	43	130	153	84
Total Debt/EBITDA	254.11	238.75	328.16	382.63	-248.62	400.62	365.82	373.61	208.4
Net Debt/EBITDA	189.87	160.32	-104	87.71	58.51	334.68	311.43	244.93	115.94
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.71	10.95	9.82	10.46	10.15	9.66	9.83	9.28	10.19
Long-Term Debt/Equity (%)	130.63	102.98	129.49	81.18	53.57	31.02	94.91	111.77	59.44
Long-Term Debt/Capital (%)	56.51	50.63	56.32	57.37	46.48	22.31	50.07	56.19	42.74
Long-Term Debt/Total Assets (%)	13.92	11.22	12.67	14.08	9.44	4.55	13.86	15.8	9.26
Total Debt/Equity (%)	130.63	102.98	129.49	81.18	57.63	73.26	122.25	133.26	73.63
Total Debt/Capital (%)	56.51	50.63	56.32	57.37	50.01	52.68	64.5	66.99	52.94
Total Debt/Total Assets (%)	13.92	11.22	12.67	14.08	10.16	10.76	17.85	18.83	11.47
Net Debt to Equity	97.61	69.15	-41.04	18.61	-13.56	61.2	104.07	87.36	40.97
Net Debt/Capital (%)	49.27	40.78	-69.11	23.58	-30.79	48.19	60.73	54.31	35.99
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	-1	-2	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.71	10.95	9.82	10.46	10.15	9.66	9.83	9.28	10.19
Long-Term Debt/Equity (%)	130.63	102.98	129.49	81.18	53.57	31.02	94.91	111.77	59.44
Long-Term Debt/Capital (%)	56.51	50.63	56.32	57.37	46.48	22.31	50.07	56.19	42.74
Long-Term Debt/Total Assets (%)	13.92	11.22	12.67	14.08	9.44	4.55	13.86	15.8	9.26
Total Debt/Equity (%)	130.63	102.98	129.49	81.18	57.63	73.26	122.25	133.26	73.63
Total Debt/Capital (%)	56.51	50.63	56.32	57.37	50.01	52.68	64.5	66.99	52.94
Total Debt/Total Assets (%)	13.92	11.22	12.67	14.08	10.16	10.76	17.85	18.83	11.47
CFO/Total Liabilities	1	0.71	0.37	0.95	0.86	1.34	0.18	-0.31	0.42
CFO/CapEx	45.27	7.98	16.16	3.32	4.09	44.96	4.52	-4.3	45.52
Altman's Z-Score	0.17	0.17	0.15	0.27	0.29	0.27	0.23	0.21	0.25

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	7.54	5.9	6.03	7.84	7.25	4.08	2.91	4.06
Days Sales Outstanding	- -	48.43	61.83	60.53	46.57	50.37	89.47	125.23	89.92
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	108	140	152	104	96	107
- Cash & Cash Equivalents	23	25	128	80	105	17	25	52	36
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	89	75	97	104	85	102	168	183	104
Enterprise Value	55	37	-45	120	78	152	192	127	73
Total Capital	158	147	172	182	170	194	260	273	196
Total Debt/Capital (%)	56.51	50.63	56.32	57.37	50.01	52.68	64.5	66.99	52.94
Total Debt / EV	1.63	2.04	-2.18	0.87	1.09	0.67	0.87	1.44	1.41
EV/Sales	3.78	2.64	- -	8.19	3.57	6.28	11.92	10.7	4.26
EV/EBITDA	156.26	116.82	- -	442.01	- -	595.52	418.98	259.95	147.47
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.56	8.74	- -	20.76	13.06	14.01	133.62	- -	22.92
EV/Free Cash Flow to Firm	9.36	7.76	- -	15.95	10.5	13.71	109.41	- -	22.43
Diluted Market Cap	- -	- -	- -	108	146	152	104	96	107
Diluted Enterprise Value	67	50	-31	132	126	237	247	226	175
EV per Share	9.7	6.46	- -	9.9	5.67	11.21	14.9	9.97	5.81
TTM Sales	15	14	12	15	22	24	16	12	17
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	4	3	6	6	11	1	-3	3
TTM Free Cash Flow to Firm	6	5	3	8	7	11	2	-2	3

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	14.36	19.69	13.68	59.12	-48.73	32.61
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	55	37	-45	120	78	152	192	127	73
Low Price	- -	- -	- -	6.07	8.75	9.95	6.66	6.4	6.59
EV/Sales	3.78	2.64	- -	8.19	3.57	6.28	11.92	10.7	4.26
EV/EBITDA	156.26	116.82	- -	442.01	- -	595.52	418.98	259.95	147.47
Price/Earnings	- -	- -	- -	52.43	18.58	22.06	161.52	- -	51.05
Price/Earnings Average	- -	- -	- -	50.37	18.31	21.5	174.64	-44.09	48.83
Price/Earnings High	- -	- -	- -	70.44	20.26	22.79	235.75	-50.94	57.4
Price/Earnings Low	- -	- -	- -	35.72	15.97	19.63	133.63	-37.65	39.82
Price/Book Value	- -	- -	- -	1.4	1.64	1.65	1.12	1.06	1.16
Price/Book Value Average	- -	- -	- -	1.34	1.62	1.61	1.22	1.06	1.11
Price/Book Value High	- -	- -	- -	1.88	1.79	1.71	1.64	1.23	1.3
Price/Book Value Low	- -	- -	- -	0.95	1.41	1.47	0.93	0.91	0.9
Price/Tangible Book Value	- -	- -	- -	0.84	0.95	1.09	0.76	0.7	0.76
Price/Tangible Book Value Average	- -	- -	- -	0.81	0.94	1.06	0.82	0.7	0.73
Price/Tangible Book Value High	- -	- -	- -	1.13	1.03	1.12	1.11	0.81	0.85
Price/Tangible Book Value Low	- -	- -	- -	0.58	0.82	0.97	0.63	0.6	0.59
Price/Sales	- -	- -	- -	7.38	6.4	6.27	6.44	8.05	6.19
Price/Sales Average	- -	- -	- -	7.09	6.31	6.11	6.96	8.04	5.92
Price/Sales High	- -	- -	- -	9.91	6.98	6.48	9.4	9.29	6.96
Price/Sales Low	- -	- -	- -	5.02	5.5	5.58	5.33	6.87	4.83
Price/Cash Flow	- -	- -	- -	18.68	23.44	13.98	72.2	-37.41	33.32
Price/Cash Flow Average	- -	- -	- -	17.95	23.1	13.62	78.07	-37.38	31.87
Price/Cash Flow High	- -	- -	- -	25.1	25.56	14.44	105.39	-43.19	37.46
Price/Cash Flow Low	- -	- -	- -	12.73	20.15	12.44	59.73	-31.92	25.99
Price/Free Cash Flow Average	- -	- -	- -	13.8	19.41	13.33	63.92	-48.69	31.19
Price/Free Cash Flow High	- -	- -	- -	19.29	21.47	14.13	86.29	-56.27	36.66
Price/Free Cash Flow Low	- -	- -	- -	9.78	16.93	12.17	48.91	-41.58	25.43
EV/Sales Average	4.59	3.62	- -	8.71	5.39	9.64	15.82	19.03	9.88
EV/Sales High	4.59	3.62	- -	11.53	6.07	10.01	18.26	20.28	10.91
EV/Sales Low	4.59	3.62	- -	6.65	4.59	9.11	14.19	17.85	8.78
EV/EBITDA Average	189.87	160.32	-104	469.91	-344.05	913.62	556.22	462.34	341.95
EV/EBITDA High	189.87	160.32	-104	622.2	-386.85	948.38	641.88	492.73	377.93
EV/EBITDA Low	189.87	160.32	-104	358.75	-292.56	863.37	498.73	433.81	304.1
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	8.91	10.18	11.18	8.05	7.5	8.45
High Price	- -	- -	- -	11.97	11.1	11.55	11.75	8.66	9.5
Enterprise Value Average	67	50	-31	128	118	233	255	226	170
Enterprise Value High	67	50	-31	170	132	242	294	241	188
Enterprise Value Low	67	50	-31	98	100	221	229	212	151

Shares Outstanding	6	6	6	13	15	14	13	13	13
Diluted Weighted Avg Shares	6	6	6	12	14	14	13	13	13
Basic Weighted Avg Shares	6	6	6	12	14	14	13	13	13
Revenue per Share	2.57	2.45	2.07	1.21	1.59	1.78	1.25	0.93	1.36
EBITDA per Share	0.06	0.06	0.05	0.02	-0.02	0.02	0.04	0.04	0.04
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.69	0.73	0.43	0.17	0.55	0.51	0.05	-0.17	0.17
Basic EPS from Cont Ops	0.69	0.73	0.43	0.17	0.55	0.51	0.05	-0.17	0.17
Diluted EPS, GAAP	0.69	0.73	0.43	0.17	0.52	0.51	0.05	-0.17	0.17
Diluted EPS from Cont Ops	0.69	0.73	0.43	0.17	0.52	0.51	0.05	-0.17	0.17
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.01	0.74	0.45	0.48	0.43	0.8	0.11	-0.2	0.25
Free Cash Flow per Basic Share	0.99	0.65	0.43	0.33	0.33	0.78	0.09	-0.25	0.25
Cash & Equivalents per Share	6.07	6.74	25.03	7.58	10.7	7.51	6.16	11.86	10.85
Book Value per Share	12.14	12.87	13.31	6.37	6.19	6.77	7.16	7.06	7.3
Tangible Book Value per Share	12.07	12.81	13.25	10.56	10.73	10.27	10.62	10.74	11.15

Bogota Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)