BSPA Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Ballston Spa Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$57.11 |
| 52 Week High | US$57.45 |
| 52 Week Low | US$50.45 |
| Beta | -0.28 |
| 11 Month Change | 0% |
| 3 Month Change | 5.76% |
| 1 Year Change | 11.98% |
| 33 Year Change | 18.98% |
| 5 Year Change | 1.98% |
| Change since IPO | 117.56% |
Recent News & Updates
Recent updates
Shareholder Returns
| BSPA | US Banks | US Market | |
|---|---|---|---|
| 7D | 0% | 3.1% | 2.2% |
| 1Y | 12.0% | 60.1% | 32.6% |
Return vs Industry: BSPA underperformed the US Banks industry which returned 60.1% over the past year.
Return vs Market: BSPA underperformed the US Market which returned 32.6% over the past year.
Price Volatility
| BSPA volatility | |
|---|---|
| BSPA Average Weekly Movement | n/a |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 15.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: BSPA's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: Insufficient data to determine BSPA's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1838 | n/a | Chris Dowd | www.bsnb.com |
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, and equity loans, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit and government programs; and debits and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds, and 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.
Ballston Spa Bancorp, Inc. Fundamentals Summary
| BSPA fundamental statistics | |
|---|---|
| Market cap | US$42.41m |
| Earnings (TTM) | US$4.59m |
| Revenue (TTM) | US$25.03m |
9.2x
P/E Ratio0.7x
P/B RatioIs BSPA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BSPA income statement (TTM) | |
|---|---|
| Revenue | US$25.03m |
| Cost of Revenue | US$0 |
| Gross Profit | US$25.03m |
| Other Expenses | US$20.44m |
| Earnings | US$4.59m |
Last Reported Earnings
Mar 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.18 |
| Gross Margin | 100.00% |
| Net Profit Margin | 18.34% |
| Debt/Equity Ratio | 78.9% |
How did BSPA perform over the long term?
See historical performance and comparisonDividends
2.3%
Current Dividend Yield16%
Payout RatioDoes BSPA pay a reliable dividends?
See BSPA dividend history and benchmarks| Ballston Spa Bancorp dividend dates | |
|---|---|
| Ex Dividend Date | Dec 02 2024 |
| Dividend Pay Date | Jan 02 2025 |
| Days until Ex dividend | 6 days |
| Days until Dividend pay date | 37 days |
Does BSPA pay a reliable dividends?
See BSPA dividend history and benchmarks