BSPA
Ballston Spa Bancorp, Inc.
Price Chart
Latest Quote
$75.00
+0.00 (+0.00%)
Current Price
| Previous Close | $75.00 |
| Open | $75.00 |
| Day High | $75.00 |
| Day Low | $75.00 |
| Volume | 150 |
Stock Information
| Quarterly Dividend / Yield | $1.32 / 1.76% |
| Shares Outstanding | 743K |
| Quarterly Dividend Yield | 1.76% |
| Quarterly Dividend | $1.32 |
| Total Debt | $53.19M |
| Cash Equivalents | $47.82M |
| Revenue | $30.16M |
| Net Income | $3.48M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $55.70M |
| P/E Ratio | 10.56 |
| EPS (TTM) | $7.10 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $89.62M |
| Sales | $30.16M |
| Income | $3.48M |
| Book/sh | $92.01 |
| Cash/sh | $64.39 |
Financial Ratios
| EPS Growth TTM | -81.20% |
Returns & Margins
| ROA | 0.38% |
| ROE | 5.09% |
| Operating Margin | 19.42% |
| Profit Margin | 11.55% |
Ownership
| Insider Ownership | 12.04% |
| Institutional Ownership | 2.34% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.85 |
| P/B | 0.82 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $75.32 |
| SMA50 | $73.26 |
| SMA200 | $70.35 |
| RSI | 21.58 |
| ATR | 0.3233 |
| Shares Float | 990K |
| Rel Volume | 0.67 |
Performance History
| Week | +0.44% |
| Month | +0.46% |
| Quarter | -0.88% |
| 6 Months | +5.08% |
| YTD | +12.09% |
| Year | +22.30% |
| 3 Years | +56.74% |
| 5 Years | +58.26% |
| 10 Years | +183.44% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-05 | $75.00 | 150 |
| 2026-06-04 | $74.85 | 200 |
| 2026-06-03 | $74.51 | 500 |
| 2026-06-02 | $75.00 | 0 |
| 2026-06-01 | $75.00 | 0 |
| 2026-05-29 | $74.67 | 0 |
| 2026-05-28 | $74.67 | 0 |
| 2026-05-27 | $74.67 | 600 |
| 2026-05-26 | $74.67 | 200 |
| 2026-05-22 | $74.67 | 0 |
| 2026-05-21 | $74.67 | 0 |
| 2026-05-20 | $74.67 | 1,500 |
| 2026-05-19 | $77.16 | 0 |
| 2026-05-18 | $77.16 | 100 |
| 2026-05-15 | $77.16 | 0 |
| 2026-05-14 | $77.16 | 200 |
| 2026-05-13 | $75.67 | 0 |
| 2026-05-12 | $75.67 | 1,000 |
| 2026-05-11 | $74.66 | 0 |
| 2026-05-08 | $74.66 | 0 |
| 2026-05-07 | $74.66 | 0 |
| 2026-05-06 | $74.66 | 0 |
| 2026-05-05 | $74.66 | 4,600 |
About Ballston Spa Bancorp, Inc.
Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States. It offers checking, money market, savings, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home construction, improvement, equity, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit; and debit and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds; life and long-term care insurance products; retirement plans; college planning services; investment and asset management; trusteeship; estate settlement; special needs and disability trusts; and wealth management services. In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, and digital payment services. The company was founded in 1838 and is headquartered in Ballston Spa, New York.
đ° Latest News
No news articles available at the moment. Check back later for updates on BSPA.
Period:
Loading...
Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $27,338,000 | $24,833,000 | $25,132,000 | $24,523,000 |
| Operating Revenue | $27,338,000 | $24,833,000 | $25,132,000 | $24,523,000 |
| Expenses | ||||
| Interest Expense | $16,161,000 | $10,852,000 | $2,708,000 | $1,918,000 |
| Operating Expense | $20,285,000 | $18,755,000 | $17,571,000 | $17,585,000 |
| Other Operating Expenses | $3,317,000 | $3,259,000 | $3,254,000 | $3,033,000 |
| Selling And Marketing Expense | $292,000 | $441,000 | $373,000 | $355,000 |
| General And Administrative Expense | $1,210,000 | $836,000 | $918,000 | $603,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $5,234,000 | $4,783,000 | $6,093,000 | $5,145,000 |
| Net Interest Income | $23,825,000 | $23,395,000 | $22,903,000 | $20,990,000 |
| Interest Income | $39,986,000 | $34,247,000 | $25,611,000 | $22,908,000 |
| Normalized Income | $5,226,710 | $4,766,821 | $6,093,000 | $4,769,349 |
| Net Income From Continuing And Discontinued Operation | $5,234,000 | $4,783,000 | $6,093,000 | $5,145,000 |
| Net Income Common Stockholders | $5,234,000 | $4,783,000 | $6,093,000 | $5,145,000 |
| Net Income | $5,234,000 | $4,783,000 | $6,093,000 | $5,145,000 |
| Net Income Including Noncontrolling Interests | $5,234,000 | $4,783,000 | $6,093,000 | $5,154,000 |
| Net Income Continuous Operations | $5,234,000 | $4,783,000 | $6,093,000 | $5,154,000 |
| Pretax Income | $6,462,000 | $5,617,000 | $7,201,000 | $6,668,000 |
| Special Income Charges | $9,000 | $19,000 | $0 | $486,000 |
| Per Share | ||||
| Diluted EPS | $7.05 | $6.44 | $8.20 | $6.94 |
| Basic EPS | $7.05 | $6.44 | $8.20 | $6.94 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,710 | $2,821 | $0 | $110,349 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $9,000 | $19,000 | $0 | $486,000 |
| Total Unusual Items Excluding Goodwill | $9,000 | $19,000 | $0 | $486,000 |
| Reconciled Depreciation | $591,000 | $582,000 | $578,000 | $702,000 |
| Diluted Average Shares | $742,663 | $742,663 | $742,663 | $742,663 |
| Basic Average Shares | $742,663 | $742,663 | $742,663 | $742,663 |
| Diluted NI Availto Com Stockholders | $5,234,000 | $4,783,000 | $6,093,000 | $5,145,000 |
| Tax Provision | $1,228,000 | $834,000 | $1,108,000 | $1,514,000 |
| Other Special Charges | $-9,000 | $-19,000 | - | $-486,000 |
| Selling General And Administration | $1,502,000 | $1,277,000 | $1,291,000 | $958,000 |
| Insurance And Claims | $867,000 | $676,000 | $519,000 | $519,000 |
| Rent And Landing Fees | $2,007,000 | $1,904,000 | $1,801,000 | $1,712,000 |
| Gain On Sale Of Security | - | $-1,358,000 | $-1,132,000 | - |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $62,900,000 | $58,236,000 | $51,135,000 | $48,279,000 |
| Total Assets | $898,117,000 | $823,533,000 | $755,783,000 | $768,371,000 |
| Investmentin Financial Assets | $7,054,000 | $7,825,000 | $7,470,000 | $7,089,000 |
| Goodwill And Other Intangible Assets | $1,595,000 | $1,595,000 | $1,595,000 | $1,595,000 |
| Receivables | $3,170,000 | $2,767,000 | $2,372,000 | $1,725,000 |
| Cash And Cash Equivalents | $25,743,000 | $23,735,000 | $21,888,000 | $143,765,000 |
| Cash Equivalents | $18,682,000 | $17,356,000 | $16,061,000 | $137,884,000 |
| Cash Financial | $7,061,000 | $6,379,000 | $5,827,000 | $5,881,000 |
| Cash Cash Equivalents And Federal Funds Sold | $25,743,000 | $23,735,000 | $21,888,000 | $143,765,000 |
| Debt | ||||
| Net Debt | $98,507,000 | $39,065,000 | $13,017,000 | - |
| Total Debt | $124,250,000 | $62,800,000 | $34,905,000 | $22,905,000 |
| Long Term Debt And Capital Lease Obligation | $124,250,000 | $62,800,000 | $34,905,000 | $22,905,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $833,622,000 | $763,702,000 | $703,053,000 | $718,497,000 |
| Equity | ||||
| Common Stock Equity | $64,495,000 | $59,831,000 | $52,730,000 | $49,874,000 |
| Total Equity Gross Minority Interest | $64,495,000 | $59,831,000 | $52,730,000 | $49,874,000 |
| Stockholders Equity | $64,495,000 | $59,831,000 | $52,730,000 | $49,874,000 |
| Retained Earnings | $56,579,000 | $52,325,000 | $48,018,000 | $42,905,000 |
| Other | ||||
| Treasury Shares Number | $25,337 | $25,337 | $25,337 | $25,337 |
| Ordinary Shares Number | $742,663 | $742,663 | $742,663 | $742,663 |
| Share Issued | $768,000 | $768,000 | $768,000 | $768,000 |
| Tangible Book Value | $62,900,000 | $58,236,000 | $51,135,000 | $48,279,000 |
| Invested Capital | $188,745,000 | $122,631,000 | $87,635,000 | $72,779,000 |
| Total Capitalization | $188,745,000 | $122,631,000 | $87,635,000 | $72,779,000 |
| Treasury Stock | $991,000 | $991,000 | $991,000 | $991,000 |
| Additional Paid In Capital | $42,000 | $42,000 | $42,000 | $42,000 |
| Capital Stock | $9,600,000 | $9,600,000 | $9,600,000 | $9,600,000 |
| Common Stock | $9,600,000 | $9,600,000 | $9,600,000 | $9,600,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $7,054,000 | $7,825,000 | $7,470,000 | $7,089,000 |
| Available For Sale Securities | $7,054,000 | $7,825,000 | $7,470,000 | $7,089,000 |
| Goodwill | $1,595,000 | $1,595,000 | $1,595,000 | $1,595,000 |
| Net PPE | $10,107,000 | $10,026,000 | $10,181,000 | $9,125,000 |
| Accumulated Depreciation | $-10,286,000 | $-10,137,000 | $-9,746,000 | $-9,185,000 |
| Gross PPE | $20,393,000 | $20,163,000 | $19,927,000 | $18,310,000 |
| Machinery Furniture Equipment | $6,002,000 | $5,797,000 | $5,633,000 | $5,590,000 |
| Buildings And Improvements | $13,381,000 | $13,356,000 | $13,284,000 | $11,710,000 |
| Land And Improvements | $1,010,000 | $1,010,000 | $1,010,000 | $1,010,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $5,227,000 | $6,457,000 | $5,723,000 | $7,369,000 |
| Operating Activities | ||||
| Operating Cash Flow | $5,899,000 | $6,884,000 | $7,357,000 | $7,477,000 |
| Investing Activities | ||||
| Capital Expenditure | $-672,000 | $-427,000 | $-1,634,000 | $-108,000 |
| Investing Cash Flow | $-71,174,000 | $-63,633,000 | $-113,266,000 | $-26,277,000 |
| Net Other Investing Changes | $-2,709,000 | $-1,323,000 | $-266,000 | $312,000 |
| Financing Activities | ||||
| Financing Cash Flow | $67,283,000 | $58,596,000 | $-15,968,000 | $72,223,000 |
| Net Other Financing Charges | $6,813,000 | $26,526,000 | $-26,988,000 | $79,083,000 |
| Cash Dividends Paid | $-980,000 | $-980,000 | $-980,000 | $-980,000 |
| Common Stock Dividend Paid | $-980,000 | $-980,000 | $-980,000 | $-980,000 |
| Other | ||||
| Issuance Of Debt | $61,450,000 | $33,050,000 | - | - |
| End Cash Position | $25,743,000 | $23,735,000 | $21,888,000 | $143,765,000 |
| Beginning Cash Position | $23,735,000 | $21,888,000 | $143,765,000 | $90,342,000 |
| Changes In Cash | $2,008,000 | $1,847,000 | $-121,877,000 | $53,423,000 |
| Net Issuance Payments Of Debt | $61,450,000 | $33,050,000 | $12,000,000 | $-5,880,000 |
| Net Short Term Debt Issuance | $61,450,000 | $3,050,000 | $12,000,000 | $0 |
| Short Term Debt Issuance | $61,450,000 | $3,050,000 | - | - |
| Net Long Term Debt Issuance | $0 | $30,000,000 | $0 | $-5,880,000 |
| Long Term Debt Issuance | $0 | $30,000,000 | - | - |
| Net Investment Purchase And Sale | $-12,550,000 | $19,407,000 | $-16,972,000 | $-4,245,000 |
| Sale Of Investment | $15,953,000 | $68,665,000 | $44,595,000 | $22,051,000 |
| Purchase Of Investment | $-28,503,000 | $-49,258,000 | $-61,567,000 | $-26,296,000 |
| Net PPE Purchase And Sale | $-672,000 | $-427,000 | $-1,634,000 | $478,000 |
| Purchase Of PPE | $-672,000 | $-427,000 | $-1,634,000 | $-108,000 |
| Change In Working Capital | $665,000 | $770,000 | $-648,000 | $1,258,000 |
| Change In Other Current Liabilities | $1,591,000 | $1,051,000 | $178,000 | $1,844,000 |
| Change In Other Current Assets | $-523,000 | $114,000 | $-179,000 | $-681,000 |
| Change In Receivables | $-403,000 | $-395,000 | $-647,000 | $95,000 |
| Other Non Cash Items | $-898,000 | $-685,000 | $-24,000 | $98,000 |
| Provisionand Write Offof Assets | $600,000 | $480,000 | $360,000 | $756,000 |
| Deferred Tax | $-293,000 | $-404,000 | $-134,000 | $-330,000 |
| Depreciation And Amortization | $591,000 | $582,000 | $578,000 | $702,000 |
| Depreciation | $591,000 | $582,000 | $578,000 | $702,000 |
| Net Income From Continuing Operations | $5,234,000 | $4,783,000 | $6,093,000 | $5,154,000 |
| Gain Loss On Investment Securities | - | $1,358,000 | $1,132,000 | - |
| Repayment Of Debt | - | - | $0 | $-5,880,000 |
| Long Term Debt Payments | - | - | $0 | $-5,880,000 |
| Sale Of PPE | - | - | $0 | $586,000 |
| Gain Loss On Sale Of PPE | - | - | $0 | $-486,000 |
Fetched: 2026-02-02