Financial Analysis: University Bancorp (OTCMKTS:UNIB) versus Bogota Financial (NASDAQ:BSBK)

Risk and Volatility

University Bancorp has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500. Comparatively, Bogota Financial has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500.

Institutional and Insider Ownership

11.6% of Bogota Financial shares are held by institutional investors. 63.7% of University Bancorp shares are held by insiders. Comparatively, 3.8% of Bogota Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
University Bancorp	N/A	N/A	N/A
Bogota Financial	-0.27%	-0.09%	-0.01%

Earnings and Valuation

This table compares University Bancorp and Bogota Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
University Bancorp	$125.26 million	0.66	$10.47 million	N/A	N/A
Bogota Financial	$43.10 million	2.65	-$2.17 million	N/A	N/A

University Bancorp has higher revenue and earnings than Bogota Financial.

Summary

University Bancorp beats Bogota Financial on 6 of the 8 factors compared between the two stocks.

About University Bancorp

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

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.