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Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
78.19
-0.06 (-0.08%)
Aug 5, 2026, 3:51 PM EST

Ballston Spa Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
30.1629.6827.1424.8125.2224.71
Revenue Growth
9.47%9.37%9.38%-1.59%2.06%6.32%
Net Income
3.484.545.134.416.095.15
Earnings Per Share
4.696.116.915.938.206.94
EPS Growth
-33.11%-11.52%16.46%-27.70%18.22%3.31%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
47.8228.1525.7823.7821.89143.77
Total Debt
53.1982.15124.4863.1734.9122.91
Net Cash (Debt)
-5.38-54-98.7-39.39-13.02120.86
Net Cash Growth
-----96.34%
Net Cash Per Share
-7.24-72.71-132.91-53.04-17.53162.74

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
3.624.756.046.887.367.48
Capital Expenditures
-3.02-2.7-0.67-0.43-1.63-0.11
Free Cash Flow
0.62.055.376.465.727.37
Free Cash Flow Growth
--61.79%-16.83%12.83%-22.34%-17.07%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
11.55%15.29%18.90%17.75%24.16%20.86%
FCF Margin
1.99%6.91%19.79%26.02%22.70%29.83%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.3201.3201.3201.3201.3201.320
Dividend Per Share Growth
0%0%0%0%0%0%
Dividend Yield
1.69%1.97%2.34%2.68%2.38%3.07%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
16.6911.048.428.777.316.92
P/FCF Ratio
147.0224.438.045.987.794.84
PS Ratio
2.921.691.591.561.771.44