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Side-by-side financial comparison of Bogota Financial Corp. (BSBK) and Pioneer Bancorp, Inc. (PBFS). Click either name above to swap in a different company.
Pioneer Bancorp, Inc. is the larger business by last-quarter revenue ($4.6M vs $4.3M, roughly 1.1× Bogota Financial Corp.). Pioneer Bancorp, Inc. runs the higher net margin — 82.1% vs 15.9%, a 66.2% gap on every dollar of revenue. Over the past eight quarters, Bogota Financial Corp.'s revenue compounded faster (27.2% CAGR vs 4.5%).
Bogota Financial Corp is a U.S.-based bank holding company headquartered in New Jersey. It operates Bogota Savings Bank, offering a full range of personal and business banking services including deposit accounts, mortgage loans, consumer loans and commercial financing, primarily serving local retail customers and small business clients in New Jersey and adjacent regions.
Pioneer Bancorp, Inc. (MD) is a bank holding company operating as the parent entity of Pioneer Bank. It provides a full suite of retail and commercial banking products and services, including deposit accounts, residential and commercial mortgages, consumer loans, and small business financing, primarily serving individual and corporate customers across local communities in Maryland, U.S.
BSBK vs PBFS — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $4.3M | $4.6M |
| Net Profit | $680.8K | $3.7M |
| Gross Margin | — | — |
| Operating Margin | 15.6% | — |
| Net Margin | 15.9% | 82.1% |
| Revenue YoY | 71.6% | — |
| Net Profit YoY | 173.2% | — |
| EPS (diluted) | $0.05 | $0.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $4.3M | $4.6M | ||
| Q3 25 | $3.9M | $3.6M | ||
| Q2 25 | $3.7M | $4.0M | ||
| Q1 25 | $3.6M | $3.7M | ||
| Q4 24 | $2.5M | — | ||
| Q3 24 | $2.7M | $3.8M | ||
| Q2 24 | $2.7M | $3.7M | ||
| Q1 24 | $2.7M | $3.6M |
| Q4 25 | $680.8K | $3.7M | ||
| Q3 25 | $454.6K | $4.3M | ||
| Q2 25 | $224.4K | $6.5M | ||
| Q1 25 | $730.9K | $5.8M | ||
| Q4 24 | $-930.0K | — | ||
| Q3 24 | $-367.0K | $6.3M | ||
| Q2 24 | $-432.5K | $3.9M | ||
| Q1 24 | $-441.0K | $4.7M |
| Q4 25 | 15.6% | — | ||
| Q3 25 | 13.5% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 19.6% | — | ||
| Q4 24 | -19.2% | — | ||
| Q3 24 | -23.3% | — | ||
| Q2 24 | -26.0% | — | ||
| Q1 24 | -27.5% | — |
| Q4 25 | 15.9% | 82.1% | ||
| Q3 25 | 11.7% | 119.3% | ||
| Q2 25 | 6.1% | 162.3% | ||
| Q1 25 | 20.3% | 157.8% | ||
| Q4 24 | -37.2% | — | ||
| Q3 24 | -13.8% | 165.1% | ||
| Q2 24 | -15.8% | 107.4% | ||
| Q1 24 | -16.6% | 129.7% |
| Q4 25 | $0.05 | $0.16 | ||
| Q3 25 | $0.04 | $0.18 | ||
| Q2 25 | $0.02 | $0.26 | ||
| Q1 25 | $0.06 | $0.23 | ||
| Q4 24 | $-0.08 | — | ||
| Q3 24 | $-0.03 | $0.25 | ||
| Q2 24 | $-0.03 | $0.15 | ||
| Q1 24 | $-0.03 | $0.19 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $35.6M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $140.9M | $323.9M |
| Total Assets | $904.9M | $2.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $35.6M | — | ||
| Q3 25 | $31.2M | — | ||
| Q2 25 | $20.3M | — | ||
| Q1 25 | $25.6M | — | ||
| Q4 24 | $52.2M | — | ||
| Q3 24 | $21.0M | — | ||
| Q2 24 | $17.6M | — | ||
| Q1 24 | $14.4M | — |
| Q4 25 | $140.9M | $323.9M | ||
| Q3 25 | $140.7M | $314.2M | ||
| Q2 25 | $138.4M | $314.2M | ||
| Q1 25 | $138.3M | $310.7M | ||
| Q4 24 | $137.3M | — | ||
| Q3 24 | $136.9M | $303.8M | ||
| Q2 24 | $136.3M | $296.5M | ||
| Q1 24 | $136.4M | $289.0M |
| Q4 25 | $904.9M | $2.2B | ||
| Q3 25 | $925.8M | $2.2B | ||
| Q2 25 | $921.8M | $2.1B | ||
| Q1 25 | $930.2M | $2.1B | ||
| Q4 24 | $971.5M | — | ||
| Q3 24 | $978.9M | $2.0B | ||
| Q2 24 | $974.7M | — | ||
| Q1 24 | $960.9M | $2.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.0M | $5.7M |
| Free Cash FlowOCF − Capex | $988.0K | — |
| FCF MarginFCF / Revenue | 23.0% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | 1.48× | 1.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0M | $5.7M | ||
| Q3 25 | $292.5K | $3.9M | ||
| Q2 25 | $1.9M | $5.1M | ||
| Q1 25 | $-16.0K | $-3.5M | ||
| Q4 24 | $-1.0M | — | ||
| Q3 24 | $-287.9K | $1.9M | ||
| Q2 24 | $1.7M | $9.0M | ||
| Q1 24 | $-2.9M | $3.3M |
| Q4 25 | $988.0K | — | ||
| Q3 25 | $277.1K | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $-52.2K | — | ||
| Q4 24 | $-1.1M | — | ||
| Q3 24 | $-330.9K | — | ||
| Q2 24 | $1.4M | — | ||
| Q1 24 | $-3.1M | — |
| Q4 25 | 23.0% | — | ||
| Q3 25 | 7.1% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -1.5% | — | ||
| Q4 24 | -43.8% | — | ||
| Q3 24 | -12.5% | — | ||
| Q2 24 | 51.6% | — | ||
| Q1 24 | -118.7% | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 8.5% | — | ||
| Q1 24 | 10.0% | — |
| Q4 25 | 1.48× | 1.52× | ||
| Q3 25 | 0.64× | 0.90× | ||
| Q2 25 | 8.56× | 0.78× | ||
| Q1 25 | -0.02× | -0.61× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.30× | ||
| Q2 24 | — | 2.30× | ||
| Q1 24 | — | 0.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
