Bogota Financial (NASDAQ:BSBK) vs. Amalgamated Financial (NASDAQ:AMAL) Financial Survey

Amalgamated Financial (NASDAQ:AMAL) and Bogota Financial (NASDAQ:BSBK) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, analyst recommendations, risk, valuation and dividends.

Risk and Volatility

Amalgamated Financial has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500. Comparatively, Bogota Financial has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Amalgamated Financial	23.34%	14.30%	1.27%
Bogota Financial	6.00%	1.83%	0.29%

Analyst Ratings

This is a summary of current recommendations for Amalgamated Financial and Bogota Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Amalgamated Financial	0	2	3	0	2.60
Bogota Financial	0	1	0	0	2.00

Amalgamated Financial currently has a consensus target price of $54.00, indicating a potential upside of 14.46%. Given Amalgamated Financial’s stronger consensus rating and higher possible upside, equities analysts clearly believe Amalgamated Financial is more favorable than Bogota Financial.

Valuation and Earnings

This table compares Amalgamated Financial and Bogota Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Amalgamated Financial	$453.17 million	3.11	$104.45 million	$3.75	12.58
Bogota Financial	$44.78 million	2.58	$2.09 million	$0.21	43.19

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

Insider and Institutional Ownership

75.9% of Amalgamated Financial shares are owned by institutional investors. Comparatively, 11.6% of Bogota Financial shares are owned by institutional investors. 1.6% of Amalgamated Financial shares are owned by company insiders. Comparatively, 3.7% of Bogota Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Amalgamated Financial beats Bogota Financial on 12 of the 14 factors compared between the two stocks.

About Amalgamated Financial

Amalgamated Financial Corp. operates as the bank holding company for Amalgamated Bank that provides commercial and retail banking, investment management, and trust and custody services for commercial and retail customers in the United States. The company accepts various deposit products, including non-interest bearing accounts, interest-bearing demand products, savings accounts, money market accounts, NOW accounts, and certificates of deposit. It also provides various commercial loans comprising commercial and industrial, multifamily mortgage, and commercial real estate loans; residential mortgage loans; and retail loans, such as residential real estate, consumer solar, and consumer and other loans. In addition, the company offers online banking, bill payment, online cash management, and safe deposit box rental services; debit and ATM cards; and trust, custody, and investment management services comprising asset safekeeping, corporate actions, income collections, proxy, account transition, asset transfers, and conversion management services. Further, it provides investment products, such as funds spanning equity, fixed-income, real estate, and alternative investment products; and brokerage, asset management, and insurance products. Amalgamated Financial Corp. was founded in 1923 and is headquartered in New York, New York.

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.