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Ballston Spa Bancorp, Inc.

BSPA

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
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Assets
Cash And Due From Banks
168
Interest Bearing Deposits In Banks
7740
Cash And Cash Equivalents At Carrying Value
9348
Debt Securities Available For Sale Excluding Accru…
11563
Federal Home Loan Bank Stock And Federal Reserve B…
76
Financing Receivable Excluding Accrued Interest Be…
-801
Financing Receivable Allowance For Credit Loss Exc…
--9
Financing Receivable Excluding Accrued Interest Af…
-792
Property Plant And Equipment Net
1913
Interest Receivable
53
Goodwill
22
Bank Owned Life Insurance
66
Other Assets
1510
Assets
1,365942
Liabilities And Stockhold…
Liabilities
Demand Deposit Accounts
259146
Deposits Savings Deposits
17985
Deposits Money Market Deposits And Negotiable Orde…
491425
Time Deposits
270151
Deposits
1,200808
Federal Home Loan Bank Advances Long Term
1720
Junior Subordinated Notes
4033
Other Liabilities
1310
Liabilities
1,270871
Stockholders Equity
Common Stock Value
1410
Additional Paid In Capital
230
Treasury Stock Common Value
-3-1
Retained Earnings Accumulated Deficit
6162
Accumulated Other Comprehensive Income Loss Net Of…
00
Stockholders Equity
9571
Liabilities And Stockholders Equity
1,365942
Debt Securities Available For Sale Amortized Cost …
11663
Common Stock Par Or Stated Value Per Share
12.512.5
Common Stock Shares Authorized
1010
Common Stock Shares Issued
11
Preferred Stock Par Or Stated Value Per Share
12.512.5
Preferred Stock Shares Authorized
22
Preferred Stock Shares Issued
00
Treasury Stock Common Shares
00

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
2026-2.80%-0.21%-0.06%---

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
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Valuation Metrics
P/B TTM
0.87
0.74
Market Cap
82.51M
52.50M
Enterprise Value
29.30M
37.87M
Calculated Values
Net Debt
-53.21M
-14.62M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Institutional Ownership

No data available for chart
2026-03-31
3.54%
Inst. Shares: 26,302
Shares Outstanding: 742,663
2025-12-31
3.54%
Inst. Shares: 26,302
Shares Outstanding: 742,663

Ballston Spa Bancorp, Inc. (BSPA) — SEC Financial Statements & Analysis

Ballston Spa Bancorp, Inc. (BSPA) is a state commercial banks company, incorporated in NY. Ballston Spa Bancorp, Inc. trades on OTC as: BSPA. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Ballston Spa Bancorp, Inc. reported a Price-to-Book (P/B) ratio of 0.87x (TTM), at a market cap of $82.51M. Figures below are sourced from SEC EDGAR, as-filed.

P/B TTM
0.87x
Market Cap
$82.51M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Ballston Spa Bancorp, Inc. in?

Ballston Spa Bancorp, Inc. (BSPA) operates in the State Commercial Banks industry.

What is BSPA's market cap?

Ballston Spa Bancorp, Inc. (BSPA) has a market capitalization of $82.51M as of 2026-06-30.

What exchange does BSPA trade on?

Ballston Spa Bancorp, Inc. (BSPA) trades on the OTC.

Where is Ballston Spa Bancorp, Inc. incorporated?

Ballston Spa Bancorp, Inc. is incorporated in NY.

Wall Street's data.
Main Street's price.