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Ballston Spa Bancorp, Inc.

$80.2 +$12.70 (+18.81%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$80.2

Day Range

$80.2 - $80.2

Year Range

$65.08$82.92

Market Cap

59.56M

AVG Volume

245

Trailing/Forward PE

33.7/-

PEG ratio

-0.51

Dividend Yield

1.65%

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

BSPA Revenue (USD) by year
Period	Revenue (USD)
2025	43.79M
2024	43.5M
2023	35.69M
2022	27.84M
2021	26.44M
2020	23.24M
2019	20.86M
2018	21.17M
2017	18.23M
2016	15.76M

Net Income (USD)

BSPA Net Income (USD) by year
Period	Net Income (USD)
2025	4.54M
2024	5.23M
2023	4.78M
2022	6.09M
2021	5.15M
2020	4.99M
2019	3.9M
2018	4.75M
2017	3.28M
2016	2.38M

Operating Income (USD)

BSPA Operating Income (USD) by year
Period	Operating Income (USD)
2025	5.6M
2024	6.46M
2023	5.62M
2022	7.2M
2021	6.67M
2020	6.4M
2019	4.99M
2018	6.27M
2017	4.3M
2016	3.54M

EBITDA (USD)

BSPA EBITDA (USD) by year
Period	EBITDA (USD)
2025	5.6M
2024	6.46M
2023	5.62M
2022	7.2M
2021	6.67M
2020	5.98M
2019	4.71M
2018	5.4M
2017	3.88M
2016	6.32M

Cash Flows (USD)

BSPA Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	892K
2024	0
2023	0
2022	0
2021	0
2020	0
2019	0
2018	0
2017	0
2016	0

EPS (USD)

BSPA EPS (USD) by year
Period	EPS (USD)
2025	6.11
2024	7.04
2023	6.43
2022	8.2
2021	6.94
2020	6.72
2019	5.26
2018	6.4
2017	4.41
2016	3.2

Expenses (USD)

BSPA Expenses (USD) by year
Period	Expenses (USD)
2025	6.16M
2024	1.5M
2023	1.28M
2022	1.29M
2021	958K
2020	14.65M
2019	13.81M
2018	12.79M
2017	11.86M
2016	10.56M

Cash & Debt (USD)

BSPA Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	7.38M
2024	25.74M
2023	23.73M
2022	21.89M
2021	143.76M
2020	90.34M
2019	11.41M
2018	11.13M
2017	7.28M
2016	13.45M

Debt ratios

BSPA Debt ratios by year
Period	Debt ratios
2025	3
2024	3.8
2023	1.55
2022	0.53
2021	-5.31
2020	-3.08
2019	4.02
2018	0.31

Margins

BSPA Margins by year
Period	Margins
2025	61.01%
2024	62.85%
2023	69.59%
2022	90.27%
2021	92.75%
2020	100%
2019	100%
2018	100%
2017	100%
2016	100%

Return on Capital

BSPA Return on Capital by year
Period	Return on Capital
2025	6.38%
2024	8.12%
2023	7.99%
2022	11.56%
2021	10.33%
2020	11.04%
2019	9.58%
2018	13.18%
2017	9.63%
2016	7.57%

Shares Outstanding

BSPA Shares Outstanding by year
Period	Shares Outstanding
2025	742.66K
2024	742.66K
2023	742.66K
2022	742.66K
2021	742.66K
2020	741.22K
2019	744.64K
2018	742.9K
2017	740.43K
2016	739.67K

Dividends (USD)

BSPA Dividends (USD) by year
Period	Dividends (USD)
2026	0.99
2025	1.32
2024	1.32
2023	1.32
2022	1.32
2021	1.32
2020	1.32
2019	1.32
2018	1.32
2017	1.24

Book Value Per Share (USD)

BSPA Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	95.79
2024	86.84
2023	80.56
2022	71
2021	67.16
2020	60.99
2019	54.75
2018	48.52
2017	45.98
2016	42.47

Total Assets (USD)

BSPA Total Assets (USD) by year
Period	Total Assets (USD)
2025	928.5M
2024	898.12M
2023	823.53M
2022	755.78M
2021	768.37M
2020	689.75M
2019	588.19M
2018	534.46M
2017	500.91M
2016	443.26M

PE Ratio

BSPA PE Ratio by year
Period	PE Ratio
Sep 26	57.44
Sep 26	57.44
Aug 26	59.39
Aug 26	59.39
Aug 26	59.39
Aug 26	17.06
Jul 26	16.69
Jul 26	16.38
Jul 26	16.38
Jul 26	16
Jul 26	16.42
Jun 26	15.97
Jun 26	16.02
Jun 26	16.19
Jun 26	16
May 26	16
May 26	16
May 26	16.53
May 26	12.27
May 26	12.27
Apr 26	12.06
Apr 26	11.62
Apr 26	11.62
Apr 26	11.62
Mar 26	10
Mar 26	10
Mar 26	10.71
Mar 26	10.71
Feb 26	10.71
Feb 26	10.71
Feb 26	10.04
Feb 26	9.63
Jan 26	9.63
Jan 26	9.63
Jan 26	9.63
Jan 26	9.63
Jan 26	9.51
Dec 25	9.5
Dec 25	9.5
Dec 25	9.5
Dec 25	9.5
Nov 25	9.43
Nov 25	9.43
Nov 25	9.43
Nov 25	9.22
Oct 25	10.76
Oct 25	10.76
Oct 25	10.76
Oct 25	10.03
Oct 25	10.03
Sep 25	9.98
Sep 25	9.56
Sep 25	9.56
Sep 25	8.71
Aug 25	8.79
Aug 25	8.79
Aug 25	8.79
Aug 25	8.79
Aug 25	8.79
Jul 25	8.79
Jul 25	8.79
Jul 25	8.79
Jul 25	8.62
Jun 25	8.73
Jun 25	8.73
Jun 25	8.87
Jun 25	8.87
May 25	8.87
May 25	8.75
May 25	8.94
May 25	8.94
May 25	8.94
Apr 25	8.94
Apr 25	9.08
Apr 25	9.08
Apr 25	9.22
Mar 25	10.42
Mar 25	10.42
Mar 25	10.42
Mar 25	10.02
Feb 25	10.02
Feb 25	10.02
Feb 25	9.58
Feb 25	9.32
Jan 25	9.32
Jan 25	9.32
Jan 25	9.32
Jan 25	9.32
Jan 25	9.32
Dec 24	9.64
Dec 24	9.64
Dec 24	9.93
Dec 24	9.49
Nov 24	9.47
Nov 24	9.47
Nov 24	9.47
Nov 24	9.47
Nov 24	9.47
Oct 24	9.47
Oct 24	9.47

Free Cash Flow Yield

BSPA Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	-0.04%
Sep 26	-0.04%
Aug 26	-0.04%
Aug 26	-0.04%
Aug 26	-0.04%
Aug 26	-0.9%
Jul 26	-0.92%
Jul 26	-0.93%
Jul 26	-0.93%
Jul 26	-0.96%
Jul 26	-0.93%
Jun 26	-0.96%
Jun 26	-0.95%
Jun 26	-0.94%
Jun 26	-0.96%
May 26	-0.96%
May 26	-0.96%
May 26	-0.92%
May 26	1.6%
May 26	1.6%
Apr 26	1.63%
Apr 26	1.69%
Apr 26	1.69%
Apr 26	1.69%
Mar 26	0%
Mar 26	0%
Mar 26	0%
Mar 26	0%
Feb 26	0%
Feb 26	0%
Feb 26	0%
Feb 26	0%
Jan 26	0%
Jan 26	0%
Jan 26	0%
Jan 26	0%
Jan 26	0%
Dec 24	0%
Dec 24	0%
Dec 24	0%
Dec 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Nov 24	0%
Oct 24	0%
Oct 24	0%
Oct 24	0%
Oct 24	0%
Sep 24	0%
Sep 24	0%
Sep 24	0%
Sep 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Aug 24	0%
Jul 24	0%
Jul 24	0%
Jul 24	0%
Jul 24	0%
Jun 24	0%
Jun 24	0%
Jun 24	0%
Jun 24	0%
May 24	0%
May 24	0%
May 24	0%
May 24	0%
May 24	0%
Apr 24	0%
Apr 24	0%
Apr 24	0%
Apr 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Mar 24	0%
Feb 24	0%
Feb 24	0%
Feb 24	0%
Feb 24	0%
Jan 24	0%
Jan 24	0%
Jan 24	0%
Jan 24	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Dec 23	0%
Nov 23	0%
Nov 23	0%
Nov 23	0%
Nov 23	0%
Oct 23	0%
Oct 23	0%

Price to Sales

BSPA Price to Sales by year
Period	Price to Sales
Sep 26	2.05
Sep 26	2.05
Aug 26	2.12
Aug 26	2.12
Aug 26	2.12
Aug 26	1.38
Jul 26	1.35
Jul 26	1.32
Jul 26	1.32
Jul 26	1.29
Jul 26	1.33
Jun 26	1.29
Jun 26	1.29
Jun 26	1.31
Jun 26	1.29
May 26	1.29
May 26	1.29
May 26	1.33
May 26	1.27
May 26	1.27
Apr 26	1.25
Apr 26	1.2
Apr 26	1.2
Apr 26	1.2
Mar 26	1.15
Mar 26	1.15
Mar 26	1.23
Mar 26	1.23
Feb 26	1.23
Feb 26	1.23
Feb 26	1.16
Feb 26	1.11
Jan 26	1.11
Jan 26	1.11
Jan 26	1.11
Jan 26	1.11
Jan 26	1.1
Dec 25	1.12
Dec 25	1.12
Dec 25	1.12
Dec 25	1.12
Nov 25	1.11
Nov 25	1.11
Nov 25	1.11
Nov 25	1.09
Oct 25	1.27
Oct 25	1.27
Oct 25	1.27
Oct 25	1.18
Oct 25	1.18
Sep 25	1.2
Sep 25	1.15
Sep 25	1.15
Sep 25	1.05
Aug 25	1.05
Aug 25	1.05
Aug 25	1.05
Aug 25	1.05
Aug 25	1.05
Jul 25	1.05
Jul 25	1.05
Jul 25	1.05
Jul 25	1.03
Jun 25	1.05
Jun 25	1.05
Jun 25	1.07
Jun 25	1.07
May 25	1.07
May 25	1.05
May 25	1.08
May 25	1.08
May 25	1.08
Apr 25	1.08
Apr 25	1.09
Apr 25	1.09
Apr 25	1.11
Mar 25	1.16
Mar 25	1.16
Mar 25	1.16
Mar 25	1.12
Feb 25	1.12
Feb 25	1.12
Feb 25	1.07
Feb 25	1.04
Jan 25	1.04
Jan 25	1.04
Jan 25	1.04
Jan 25	1.04
Jan 25	1.04
Dec 24	1.09
Dec 24	1.09
Dec 24	1.12
Dec 24	1.07
Nov 24	1.07
Nov 24	1.07
Nov 24	1.07
Nov 24	1.07
Nov 24	1.07
Oct 24	1.07
Oct 24	1.07

EV/EBITDA

BSPA EV/EBITDA by year
Period	EV/EBITDA
Sep 26	25.87
Sep 26	25.87
Aug 26	27.35
Aug 26	27.35
Aug 26	27.35
Aug 26	22.52
Jul 26	22.24
Jul 26	22.01
Jul 26	22.01
Jul 26	21.73
Jul 26	22.04
Jun 26	21.7
Jun 26	21.75
Jun 26	21.87
Jun 26	21.73
May 26	21.73
May 26	21.73
May 26	22.12
May 26	23.28
May 26	23.28
Apr 26	23.11
Apr 26	22.75
Apr 26	22.75
Apr 26	22.75
Mar 26	9.23
Mar 26	9.23
Mar 26	9.8
Mar 26	9.8
Feb 26	9.8
Feb 26	9.8
Feb 26	9.26
Feb 26	8.93
Jan 26	8.93
Jan 26	8.93
Jan 26	8.93
Jan 26	8.93
Jan 26	8.83
Dec 25	22.8
Dec 25	22.8
Dec 25	22.8
Dec 25	22.8
Nov 25	22.74
Nov 25	22.74
Nov 25	22.74
Nov 25	22.57
Oct 25	23.82
Oct 25	23.82
Oct 25	23.82
Oct 25	23.22
Oct 25	23.22
Sep 25	16.79
Sep 25	16.45
Sep 25	16.45
Sep 25	15.77
Aug 25	15.83
Aug 25	15.83
Aug 25	15.83
Aug 25	15.83
Aug 25	15.83
Jul 25	15.83
Jul 25	15.83
Jul 25	15.83
Jul 25	15.69
Jun 25	22.31
Jun 25	22.31
Jun 25	22.43
Jun 25	22.43
May 25	22.43
May 25	22.33
May 25	22.48
May 25	22.48
May 25	22.48
Apr 25	22.48
Apr 25	22.6
Apr 25	22.6
Apr 25	22.71
Mar 25	11.31
Mar 25	11.31
Mar 25	11.31
Mar 25	10.97
Feb 25	10.97
Feb 25	10.97
Feb 25	10.59
Feb 25	10.37
Jan 25	10.37
Jan 25	10.37
Jan 25	10.37
Jan 25	10.37
Jan 25	10.37
Dec 24	20.33
Dec 24	20.33
Dec 24	20.58
Dec 24	20.21
Nov 24	20.18
Nov 24	20.18
Nov 24	20.18
Nov 24	20.18
Nov 24	20.18
Oct 24	20.18
Oct 24	20.18

Price/Operating Cashflow

BSPA Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	38.53
Sep 26	38.53
Aug 26	39.83
Aug 26	39.83
Aug 26	39.83
Aug 26	52.02
Jul 26	50.89
Jul 26	49.94
Jul 26	49.94
Jul 26	48.77
Jul 26	50.07
Jun 26	48.68
Jun 26	48.86
Jun 26	49.36
Jun 26	48.77
May 26	48.77
May 26	48.77
May 26	50.4
May 26	32.19
May 26	32.19
Apr 26	31.63
Apr 26	30.48
Apr 26	30.48
Apr 26	30.48

Price to Book

BSPA Price to Book by year
Period	Price to Book
Sep 26	0.93
Sep 26	0.93
Aug 26	0.96
Aug 26	0.96
Aug 26	0.96
Aug 26	0.84
Jul 26	0.82
Jul 26	0.81
Jul 26	0.81
Jul 26	0.79
Jul 26	0.81
Jun 26	0.79
Jun 26	0.79
Jun 26	0.8
Jun 26	0.79
May 26	0.79
May 26	0.79
May 26	0.81
May 26	0.78
May 26	0.78
Apr 26	0.77
Apr 26	0.74
Apr 26	0.74
Apr 26	0.74
Mar 26	0.77
Mar 26	0.77
Mar 26	0.82
Mar 26	0.82
Feb 26	0.82
Feb 26	0.82
Feb 26	0.77
Feb 26	0.74
Jan 26	0.74
Jan 26	0.74
Jan 26	0.74
Jan 26	0.74
Jan 26	0.73
Dec 25	0.74
Dec 25	0.74
Dec 25	0.74
Dec 25	0.74
Nov 25	0.74
Nov 25	0.74
Nov 25	0.74
Nov 25	0.72
Oct 25	0.84
Oct 25	0.84
Oct 25	0.84
Oct 25	0.79
Oct 25	0.79
Sep 25	0.8
Sep 25	0.77
Sep 25	0.77
Sep 25	0.7
Aug 25	0.71
Aug 25	0.71
Aug 25	0.71
Aug 25	0.71
Aug 25	0.71
Jul 25	0.71
Jul 25	0.71
Jul 25	0.71
Jul 25	0.69
Jun 25	0.71
Jun 25	0.71
Jun 25	0.72
Jun 25	0.72
May 25	0.72
May 25	0.71
May 25	0.73
May 25	0.73
May 25	0.73
Apr 25	0.73
Apr 25	0.74
Apr 25	0.74
Apr 25	0.75
Mar 25	0.76
Mar 25	0.76
Mar 25	0.76
Mar 25	0.73
Feb 25	0.73
Feb 25	0.73
Feb 25	0.7
Feb 25	0.68
Jan 25	0.68
Jan 25	0.68
Jan 25	0.68
Jan 25	0.68
Jan 25	0.68
Dec 24	0.7
Dec 24	0.7
Dec 24	0.73
Dec 24	0.69
Nov 24	0.69
Nov 24	0.69
Nov 24	0.69
Nov 24	0.69
Nov 24	0.69
Oct 24	0.69
Oct 24	0.69

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Ballston Spa Bancorp, Inc.

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