Head to Head Survey: Flagstar Financial (NYSE:FLG) vs. Bogota Financial (NASDAQ:BSBK)

Bogota Financial (NASDAQ:BSBK) and Flagstar Financial (NYSE:FLG) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, analyst recommendations, valuation, earnings and risk.

Valuation & Earnings

This table compares Bogota Financial and Flagstar Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bogota Financial	$38.42 million	2.69	$640,000.00	($0.16)	-49.50
Flagstar Financial	$6.35 billion	0.80	-$1.09 billion	($3.69)	-3.34

Bogota Financial has higher earnings, but lower revenue than Flagstar Financial. Bogota Financial is trading at a lower price-to-earnings ratio than Flagstar Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Bogota Financial and Flagstar Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bogota Financial	-5.24%	-1.61%	-0.23%
Flagstar Financial	-17.16%	-10.72%	-0.76%

Volatility & Risk

Bogota Financial has a beta of 0.54, indicating that its stock price is 46% less volatile than the S&P 500. Comparatively, Flagstar Financial has a beta of 1.11, indicating that its stock price is 11% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Bogota Financial and Flagstar Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bogota Financial	0	0	0	0	0.00
Flagstar Financial	0	3	2	0	2.40

Flagstar Financial has a consensus target price of $12.90, suggesting a potential upside of 4.79%. Given Flagstar Financial’s stronger consensus rating and higher probable upside, analysts plainly believe Flagstar Financial is more favorable than Bogota Financial.

Insider and Institutional Ownership

11.6% of Bogota Financial shares are owned by institutional investors. Comparatively, 67.9% of Flagstar Financial shares are owned by institutional investors. 5.0% of Bogota Financial shares are owned by insiders. Comparatively, 6.4% of Flagstar Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Flagstar Financial beats Bogota Financial on 8 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 Flagstar Financial

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.