All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2019; the latest 2021-06-16.
From the record
Bogota Financial Corp.'s filings since 2019 show 1 warning event: an auditor change (8-K item 4.01, the latest 2021-06-16) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.1% a year over 8 filed years; profitable in 7 of 8.
From the record
Bogota Financial Corp.'s 8 filed years say what it did: revenue went from $22 million in fiscal 2018 to $43 million in fiscal 2025, up 10.1% a year; it rose in 7 of 7 years; it never fell from a peak; net income was positive in 7 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 2.7% a year. 100% of cash flow returned. Insiders: 0 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Bogota Financial Corp.'s diluted share count shrank about 2.7% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-09-30, buying about $31 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 1%: 1¢ of profit per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Bogota Financial Corp. earned about 1 cents of profit for every dollar of shareholders' money. Leverage: it owed about 84 cents per dollar of assets, and net share issuance: its share count shrank 2.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 23% of 22 in its family; net margin 4.9%.
From the record
Bogota Financial Corp.'s standing among 22 graded names in its industry family: revenue of $43 million in fiscal 2025 ranks in the bottom 16% by size; a net margin of 4.9% ranks in the bottom 25%; revenue growth of 12.3% a year over the last 3 filed years ranks in the bottom 30% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 5.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Bogota Financial Corp.'s leadership is put at 5.5 of 10 with a confidence of 20 of 100, because fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, so the desk assumes the typical reading of its industry family, the median of 22 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
bottom 34% of 19 in its family for room to expand.
From the record
Bogota Financial Corp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $36 million against no long-term debt tagged leaves 3.9% of its assets as net cash, bottom 43% of its family; cash from operations less capital spending is 7.3% of revenue (bottom 25%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 34% of 19 in its family for growth drivers.
From the record
Bogota Financial Corp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 12.3% a year over the last three filed years against 10.1% over all 8, speeding up (top 39% of its family); the newest year grew 3% (bottom 34%); capital spending grew -33.7% a year (bottom 8%) (its annual reports). Bogota Financial Corp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 42% of 17 in its family for expectations against reality.
From the record
Bogota Financial Corp.'s newest year against its own record: revenue of $43 million in fiscal 2025 came in 12.2% below the $49 million its prior three years' pace pointed to (top 21% of its family); net income of $2 million against a prior three-year average of $2 million (bottom 44%); a net margin of 4.9% against 6.4% before (top 50%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made