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Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
80.02
0.00 (0.00%)
At close: Oct 5, 2026

Ballston Spa Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
35.4529.6827.1424.8125.2224.71
Revenue Growth
26.71%9.37%9.38%-1.59%2.06%6.32%
Net Income
1.544.545.134.416.095.15
Earnings Per Share
1.856.116.915.938.206.94
EPS Growth
-73.48%-11.52%16.46%-27.70%18.22%3.31%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
93.1428.1525.7823.7821.89143.77
Total Debt
57.2382.15124.4863.1734.9122.91
Net Cash (Debt)
35.91-54-98.7-39.39-13.02120.86
Net Cash Growth
-----96.34%
Net Cash Per Share
43.16-72.71-132.91-53.04-17.53162.74

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
4.214.756.046.887.367.48
Capital Expenditures
-3.32-2.7-0.67-0.43-1.63-0.11
Free Cash Flow
0.882.055.376.465.727.37
Free Cash Flow Growth
--61.79%-16.83%12.83%-22.34%-17.07%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
4.33%15.29%18.90%17.75%24.16%20.86%
FCF Margin
2.49%6.91%19.79%26.02%22.70%29.83%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '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
1.65%1.98%2.35%2.69%2.39%3.08%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
43.3411.048.428.777.316.92
P/FCF Ratio
99.5824.438.045.987.794.84
PS Ratio
2.481.691.591.561.771.44