Financial Analysis: Bogota Financial (NASDAQ:BSBK) vs. DNB Bank ASA (OTCMKTS:DNBBY)

DNB Bank ASA (OTCMKTS:DNBBY) and Bogota Financial (NASDAQ:BSBK) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, institutional ownership, profitability, analyst recommendations, earnings, valuation and risk.

Analyst Ratings

This is a summary of recent ratings for DNB Bank ASA and Bogota Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
DNB Bank ASA	2	4	2	0	2.00
Bogota Financial	0	1	0	0	2.00

Risk & Volatility

DNB Bank ASA has a beta of 0.7, meaning that its share price is 30% less volatile than the S&P 500. Comparatively, Bogota Financial has a beta of 0.14, meaning that its share price is 86% less volatile than the S&P 500.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
DNB Bank ASA	$19.14 billion	2.59	$4.20 billion	$2.80	11.42
Bogota Financial	$44.78 million	2.58	$2.09 million	$0.21	43.19

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
DNB Bank ASA	21.34%	13.97%	1.06%
Bogota Financial	6.00%	1.83%	0.29%

Institutional & Insider Ownership

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

Summary

DNB Bank ASA beats Bogota Financial on 9 of the 12 factors compared between the two stocks.

About DNB Bank ASA

DNB Bank ASA provides financial services for individual and business customers in Norway and internationally. The company offers savings, current, and pension accounts; fixed rate and security deposits; home and cabin mortgages, car and consumer loans, business loans, and refinancing; car, house, home contents, travel, personal, and non-life insurance product; payment services; and online and mobile banking services, as well as cards. It also provides overdraft facilities; leasing services; factoring, supply chain, and receivable purchase financing services; bank guarantee, secure trading, documentary collection, and letter of credit services; investment banking services, such as mergers and acquisition, equity and debt capital market, shares and securities, mutual funds and trading, and bonds and commodities; and private financing, as well as equity trading, foreign exchange, interest rates, and risk advisory services. In addition, the company offers treasury management, working capital, trade finance, auto lease and equipment financing, and corporate finance services, as well as act as an estate agents. DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.

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.