Ballston Spa Bancorp (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 | 3/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
BSPA Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Ballston Spa Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$68.35 |
| 52 Week High | US$76.50 |
| 52 Week Low | US$58.15 |
| Beta | -0.20 |
| 1 Month Change | 1.26% |
| 3 Month Change | n/a |
| 1 Year Change | n/a |
| 3 Year Change | 13.92% |
| 5 Year Change | 45.43% |
| Change since IPO | 160.38% |
Recent News & Updates
Recent updates
Shareholder Returns
| BSPA | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.3% | 3.3% | 1.0% |
| 1Y | n/a | 28.7% | 17.2% |
Return vs Industry: Insufficient data to determine how BSPA performed against the US Banks industry.
Return vs Market: Insufficient data to determine how BSPA performed against the US Market.
Price Volatility
| BSPA volatility | |
|---|---|
| BSPA Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 6.5% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.0% |
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 | 142 | 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, 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.
Ballston Spa Bancorp, Inc. Fundamentals Summary
| BSPA fundamental statistics | |
|---|---|
| Market cap | US$50.76m |
| Earnings (TTM) | US$4.91m |
| Revenue (TTM) | US$28.74m |
Is BSPA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BSPA income statement (TTM) | |
|---|---|
| Revenue | US$28.74m |
| Cost of Revenue | US$0 |
| Gross Profit | US$28.74m |
| Other Expenses | US$23.83m |
| Earnings | US$4.91m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.61 |
| Gross Margin | 100.00% |
| Net Profit Margin | 17.09% |
| Debt/Equity Ratio | 39.5% |
How did BSPA perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/07 14:34 |
| End of Day Share Price | 2026/01/05 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Ballston Spa Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.