Ballston Spa Bancorp logo

Ballston Spa Bancorp(OTC) BSPA

Market Cap$88.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+578%
5 Year+60%
1 Year+14%
1 Month-0%
$80.04
+0.03%
+0.02Today
Ballston Spa Bancorp last closing stock price
MetricPriceDate
Last closeUSD 80.042026-10-07
Ballston Spa Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.17%USD 80.992026-09-30
1 month-0.2%USD 80.202026-09-03
3 month+7.16%USD 74.692026-07-08
Year to date+20.12%USD 66.642025-12-24
1 year+14.36%USD 69.992025-10-07
3 year+67.1%USD 47.902023-10-02
5 year+60.17%USD 49.972021-09-27
Since inception+578.41%USD 11.801998-09-18

Ballston Spa Bancorp Financials at a Glance

Market Cap

$88.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$43.06M

Net Income (TTM)

$1.54M

EPS (TTM)

$2.38

P/E Ratio

33.64

Dividend

$1.32

Beta (Volatility)

-0.00 (Low)

Price

$80.04

Volume

820

Open

$80.03

Previous Close

$80.04

Daily Range

$80.03 - $80.04

52-Week Range

$65.08 - $82.92

Estimated Earnings Date

N/A

BSPA News

No articles available.

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About Ballston Spa Bancorp

Ballston Spa Bancorp, Inc. operates as the parent company for Ballston Spa National Bank, providing a wide range of financial products and services. The company primarily serves individuals, corporations, and government entities, with a strong presence in New York.

Products and Services
  • Comprehensive deposit accounts including checking, savings, and retirement accounts
  • Diverse lending options such as mortgages, vehicle loans, and small business loans
  • Wealth management services including investment management and estate planning
Growth Outlook
  • Recent quarterly revenue increased to $11.28 million, reflecting strong operational performance
  • Year-over-year revenue growth indicates a positive trend in customer acquisition
  • Expansion of digital banking services enhances customer engagement and accessibility
Financial Highlights
  • Trailing twelve months (TTM) revenue of $43.5 million demonstrates consistent income generation
  • Net income for Q2 2026 reported at -$711,000, indicating challenges in profitability
  • Dividend yield of 1.65% offers potential income for investors despite recent losses
Ballston Spa Bancorp, Inc. has a long-standing history, established in 1838, and continues to adapt to the evolving financial landscape. The bank's diverse product offerings cater to a wide range of customer needs, from personal banking to comprehensive wealth management solutions. Recent financial performance shows a mixed picture, with a notable increase in revenue but challenges in net income. The company's focus on expanding digital services positions it well for future growth, appealing to a tech-savvy customer base. Investors may find the dividend yield attractive, even as the company navigates its current financial hurdles.
AI Generated • Sep 17, 2026

Industry

Banks

Sector

Financials

CEO

Christopher R. Dowd

Website

www.bsnb.com

Headquarters

Ballston Spa, NY 12020, US

BSPA Financials

Key Financial Metrics (TTM)

Gross Margin

53.91%

Operating Margin

4.26%

Net Income Margin

3.57%

Return on Equity

2.01%

Return on Capital

3.66%

Return on Assets

0.11%

Earnings Yield

2.97%

Dividend Yield

1.65%

Payout Ratio

56.12%

Stock Overview

Market Cap

$88.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.10M

Volume

820

Avg. Volume

196.877

Financials (TTM)

Gross Profit

$23.21M

Operating Income

$1.83M

EBITDA

$2.22M

Operating Cash Flow

$2.29M

Capital Expenditure

-$2.32M

Free Cash Flow

-$34.00K

Cash & ST Invst.

$93.14M

Total Debt

$57.23M

Ballston Spa Bancorp Performance Analysis

Ballston Spa Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 28,283,0005.2%
20232023-12-31USD 36,146,00027.8%
20242024-12-31USD 43,902,00021.5%
20252025-12-31USD 47,236,0007.6%
Ballston Spa Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.2%
Q42025-12-31-21.0%
Q12026-03-3110.7%
Q22026-06-308.1%
Ballston Spa Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.2018.2%
20232023-12-31USD 5.93-27.7%
20242024-12-31USD 6.9116.5%
20252025-12-31USD 6.11-11.5%
Ballston Spa Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3017.5%
Q42025-12-31-61.5%
Q12026-03-31-56.0%
Q22026-06-30-297.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$11.28M

-0.5%

Gross Profit

$4.69M

-34.3%

Gross Margin

41.56%

N/A

Market Cap

$88.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$620.07K

N/A

Employees

142

N/A

Net Income

-$711.00K

-157.6%

EBITDA

-$1.12M

-173.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$93.14M

+294.0%

Total Debt

$57.23M

-53.1%

Accounts Receivable

$4.53M

N/A

Inventory

$0.00

N/A

Long Term Debt

$57.23M

-53.1%

Short Term Debt

$0.00

N/A

Return on Assets

0.11%

N/A

Return on Invested Capital

0.13%

N/A

Free Cash Flow

$498.00K

N/A

Operating Cash Flow

$1.15M

N/A

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Questions About BSPA

What is the current price of Ballston Spa Bancorp?

Ballston Spa Bancorp is trading at $80.04 per share.

What is the 52-week range for Ballston Spa Bancorp?

Over the past 52 weeks, Ballston Spa Bancorp has traded between $65.08 and $82.92.

How much debt does Ballston Spa Bancorp have?

As of the most recent reporting period, Ballston Spa Bancorp reported total debt of $57.23M.

How much cash does Ballston Spa Bancorp have on hand?

Ballston Spa Bancorp does not have cash on hand data available.

What is Ballston Spa Bancorp’s dividend yield?

Ballston Spa Bancorp currently has a dividend yield of 1.65%.

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