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Ballston Spa Bancorp(OTC) BSPA

Market Cap$86.43MMarket 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)+548%
5 Year+49%
1 Year+25%
1 Month+2%
$76.80
+0%
+0.00Today
Ballston Spa Bancorp last closing stock price
MetricPriceDate
Last closeUSD 76.802026-07-20
Ballston Spa Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.05%USD 76.002026-07-13
1 month+2.22%USD 75.132026-06-18
3 month+8.65%USD 70.692026-04-21
Year to date+14.78%USD 66.912025-12-24
1 year+24.74%USD 61.572025-07-11
3 year+74.7%USD 43.962023-07-12
5 year+48.83%USD 51.602021-07-15
Since inception+548.27%USD 11.851998-09-18

Ballston Spa Bancorp Financials at a Glance

Market Cap

$86.43MMarket 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)

$43.12M

Net Income (TTM)

$3.48M

EPS (TTM)

$4.69

P/E Ratio

16.38

Dividend

$1.32

Beta (Volatility)

-0.01 (Low)

Price

$76.80

Volume

300

Open

$76.75

Previous Close

$76.80

Daily Range

$76.75 - $76.80

52-Week Range

$62.21 - $77.50

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 insurance products
Growth Outlook
  • Recent quarterly revenue reached $10.43 million, showing a strong upward trend
  • Net income for Q1 2026 was $244,000, indicating profitability
  • Consistent dividend yield of 1.72% reflects commitment to shareholder returns
Financial Highlights
  • Trailing twelve months (TTM) revenue of $43.5 million demonstrates solid performance
  • Net profit margin of 8.08% indicates effective cost management
  • Return on equity (ROE) stands at 5.01%, showcasing efficient use of shareholder funds
Ballston Spa Bancorp, Inc. has established itself as a reliable financial institution with a diverse portfolio of products and services. The recent financial performance highlights a positive trajectory, with increasing revenues and profitability. The company's commitment to shareholder value is evident through its consistent dividend payments. With a strong operational foundation and a focus on growth, Ballston Spa Bancorp presents an intriguing opportunity for potential investors.
AI Generated • Jul 18, 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

59.52%

Operating Margin

10.38%

Net Income Margin

8.08%

Return on Equity

5.01%

Return on Capital

3.66%

Return on Assets

0.37%

Earnings Yield

6.11%

Dividend Yield

1.72%

Payout Ratio

14.07%

Stock Overview

Market Cap

$86.43MMarket 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

1.13M

Volume

300

Avg. Volume

229.823

Financials (TTM)

Gross Profit

$25.67M

Operating Income

$4.48M

EBITDA

$4.66M

Operating Cash Flow

$1.14M

Capital Expenditure

-$1.67M

Free Cash Flow

-$532.00K

Cash & ST Invst.

$7.59M

Total Debt

$53.19M

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
Q22025-06-302.1%
Q32025-09-305.2%
Q42025-12-31-21.0%
Q12026-03-3110.7%
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
Q22025-06-30-5.1%
Q32025-09-3017.5%
Q42025-12-31-61.5%
Q12026-03-31-56.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$10.43M

-6.0%

Gross Profit

$6.10M

-14.7%

Gross Margin

58.46%

N/A

Market Cap

$86.43MMarket 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

$608.67K

N/A

Employees

142

N/A

Net Income

$244.00K

-81.2%

EBITDA

$665.00K

-58.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$7.59M

-70.2%

Total Debt

$53.19M

-35.6%

Accounts Receivable

$3.13M

N/A

Inventory

$0.00

N/A

Long Term Debt

$53.19M

-35.6%

Short Term Debt

$0.00

N/A

Return on Assets

0.37%

N/A

Return on Invested Capital

0.48%

N/A

Free Cash Flow

-$1.42M

N/A

Operating Cash Flow

-$588.00K

N/A

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Questions About BSPA

What is the current price of Ballston Spa Bancorp?

Ballston Spa Bancorp is trading at $76.80 per share.

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

Over the past 52 weeks, Ballston Spa Bancorp has traded between $62.21 and $77.50.

How much debt does Ballston Spa Bancorp have?

As of the most recent reporting period, Ballston Spa Bancorp reported total debt of $53.19M.

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 1.72%.

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