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COMPANY SUMMARY
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.
Financial Summary
| Share Statistics | BSPA | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $88.1 | $716.9 | 21% |
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| Shares Out (Mil) | 0.7 | 15.7 | 3% |
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| Institutional Ownership | 16.3% | 83.0% | 9% |
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| Float (Mil) | 1.0 | 21.2 | 2% |
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| Beta | -0.15 | 0.48 | 4% |
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| Avg Daily Volume (000s) | 0 | 53 | 0% |
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| Price Change (52-week) |
44.9% | 96.7% | 78% |
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| Growth | BSPA | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 15.6% | 7.6% | 74% |
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| Net Income (5yr) | 13.4% | 11.1% | 60% |
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| EPS (5yr) | 13.9% | 10.1% | 53 |
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| Dividends (5yr) | 1.3% | 3.6% | 84% |
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| Cash Flow (5yr) | (36.1%) | (17.0%) | 14% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | BSPA | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $30 | $190 | 16% |
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| Net Income (TTM) (Mil) | $4 | $51 | 42% |
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| EPS (TTM) | $4.689 | $2.500 | 86% |
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| Operating Cash Flow (TTM) (Mil) | $4 | $34 | 35% |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $53 | $100 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | BSPA | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.82 | 1.27 | 17% |
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| P/E | 16.7 | 12.9 | 41% |
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| Dividend Yield | 1.7% | 2.2% | 74% |
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| PEG (5yr hist) | 1.2 | 1.1 | 51% |
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| Ratios | BSPA | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 11.5% | 28.9% | 66% |
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| ROA | 0.4% | 1.0% | 41% |
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| ROE | 5.1% | 11.1% | 44% |
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| Liabilities to Assets | 92.5% | 89.8% | 90% |
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| F-Score | 5 | 4 | 51% |
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Ballston Spa Bancorp, Inc. did not pass any screens on 7/31/2026.
