Ballston Spa Bancorp Past Earnings Performance

Past criteria checks 4/6

Ballston Bancorp has been growing earnings at an average annual rate of 4.3%, while the Banks industry saw earnings growing at 5.4% annually. Revenues have been growing at an average rate of 4.3% per year. Ballston Bancorp's return on equity is 8.1%, and it has net margins of 19.2%.

Key information

4.3%

Earnings growth rate

4.3%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	4.3%
Return on equity	8.1%
Net Margin	19.2%
Last Earnings Update	31 Dec 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Ballston Spa Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BSPA Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 24	27	5	17
30 Sep 24	26	5	17
31 Mar 24	25	5	16
31 Dec 23	25	5	16
30 Sep 23	26	6	16
30 Jun 23	26	6	16
31 Mar 23	26	6	15
31 Dec 22	25	6	15
30 Sep 22	25	6	15
30 Jun 22	25	6	15
31 Mar 22	25	5	15
31 Dec 21	25	5	15
30 Sep 21	25	5	15
30 Jun 21	24	5	15
31 Mar 21	24	5	15
31 Dec 20	23	5	15
30 Sep 20	22	4	14
30 Jun 20	21	4	14
31 Mar 20	21	4	14
31 Dec 19	21	4	14
30 Sep 19	21	4	13
30 Jun 19	21	4	13
31 Mar 19	21	5	13
31 Dec 18	21	5	13
30 Sep 18	21	5	13
30 Jun 18	20	4	13
31 Mar 18	19	4	12
31 Dec 17	18	3	12
30 Sep 17	18	3	11
30 Jun 17	17	3	11
31 Mar 17	16	3	11
31 Dec 16	16	2	11
30 Sep 16	15	2	10
30 Jun 16	16	2	10
31 Mar 16	15	2	10
31 Dec 15	15	2	10
30 Sep 15	15	2	10
30 Jun 15	15	2	10
31 Mar 15	15	2	10
31 Dec 14	15	2	9
30 Sep 14	15	2	10
30 Jun 14	15	2	10

Quality Earnings: BSPA has high quality earnings.

Growing Profit Margin: BSPA's current net profit margins (19.2%) are lower than last year (19.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BSPA's earnings have grown by 4.3% per year over the past 5 years.

Accelerating Growth: BSPA's earnings growth over the past year (9.4%) exceeds its 5-year average (4.3% per year).

Earnings vs Industry: BSPA earnings growth over the past year (9.4%) exceeded the Banks industry 4.6%.

Return on Equity

High ROE: BSPA's Return on Equity (8.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/06 22:46
End of Day Share Price	2025/04/23 00:00
Earnings	2024/12/31
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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

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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.