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Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
82.92
0.00 (0.00%)
Aug 24, 2026, 4:00 PM EST

Ballston Spa Bancorp Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
1.544.545.134.416.095.15
Depreciation & Amortization
1.160.760.590.580.580.71
Gain (Loss) on Sale of Assets
------0.49
Gain (Loss) on Sale of Investments
-0.5-0.58-0.750.811.250.56
Provision for Credit Losses
0.510.630.60.480.360.76
Net Decrease (Increase) in Loans Originated / Sold - Operating
0.21----0.33
Accrued Interest Receivable
0.420.03-0.4-0.4-0.650.1
Change in Other Net Operating Assets
1.19-0.551.581.54-00.93
Other Operating Activities
-0.11-0.08-0.71-0.55-0.27-0.24
Operating Cash Flow
4.214.756.046.887.367.48
Operating Cash Flow Growth
--21.38%-12.23%-6.43%-1.60%-16.80%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-3.32-2.7-0.67-0.43-1.63-0.11
Sale of Property, Plant and Equipment
-----0.59
Investment in Securities
60.0912.57-12.5519.41-16.97-4.25
Net Decrease (Increase) in Loans Originated / Sold - Investing
12-39.66-55.24-81.29-94.72-22.82
Other Investing Activities
4.361.6-2.71-1.320.060.31
Investing Cash Flow
122.7-28.19-71.17-63.63-113.27-26.28

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
--61.453.0512-
Long-Term Debt Issued
---30--
Total Debt Issued
16.66-61.4533.0512-
Short-Term Debt Repaid
--32.5----
Long-Term Debt Repaid
--10--5.16--5.88
Total Debt Repaid
-101.5-42.5--5.16--5.88
Net Debt Issued (Repaid)
-84.84-42.561.4527.912-5.88
Common Dividends Paid
-1.11-0.98-0.98-0.98-0.98-0.98
Net Increase (Decrease) in Deposit Accounts
30.869.336.6731.68-26.9979.08
Financing Cash Flow
-57.425.8567.1458.6-15.9772.22

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
69.52.42.011.85-121.8853.42

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
0.882.055.376.465.727.37
Free Cash Flow Growth
--61.79%-16.83%12.83%-22.34%-17.07%
Free Cash Flow Margin
2.49%6.91%19.79%26.02%22.70%29.83%
Free Cash Flow Per Share
1.062.767.238.697.719.92

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
16.7516.7516.25---
Cash Income Tax Paid
1.951.950.66---