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BSPA

Ballston Spa Bancorp, Inc.

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Price alert · BSPA

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80.81 USD +0.01 +0.01%
As of Oct 30, 2026
80.81 Day range 80.81
65.55 52-week range 82.92
YTD
+19.72%
1 year
+5.63%
Open
80.81
Prev close
80.80
Mkt cap
60.01M
Vol
101
Avg vol
187
EPS
2.18
P/E
37.07
More statistics
Low
80.81
High
80.81

5D chart

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 4

Valuation

P/E 11.0×
FY 2016: 11.9×FY 2017: 9.8×FY 2018: 7.7×FY 2019: 10.8×FY 2020: 6.7×FY 2021: 6.9×FY 2022: 7.3×FY 2023: 8.1×FY 2024: 8.2×FY 2025: 11.0×
FY 2016 5y median 8.1× FY 2025
P/S 1.1×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.6×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/B 0.7×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 0.7×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 24.4×
FY 2016: 5.8×FY 2017: 8.1×FY 2018: 6.1×FY 2019: 7.6×FY 2020: 4.8×FY 2021: 4.8×FY 2022: 7.8×FY 2023: 6.0×FY 2024: 8.3×FY 2025: 24.4×
FY 2016 5y median 7.8× FY 2025
EV/EBITDA 19.6×
FY 2016: 5.4×FY 2017: 17.6×FY 2018: 16.5×FY 2019: 23.2×FY 2020: -4.2×FY 2021: -11.6×FY 2022: 7.4×FY 2023: 12.5×FY 2024: 20.1×FY 2025: 19.6×
FY 2016 5y median 12.5× FY 2025
EV/Sales 2.8×
FY 2016: 1.2×FY 2017: 4.0×FY 2018: 4.2×FY 2019: 4.8×FY 2020: -1.0×FY 2021: -3.2×FY 2022: 2.1×FY 2023: 2.2×FY 2024: 3.3×FY 2025: 2.8×
FY 2016 5y median 2.2× FY 2025
FCF Yield 4.1%
FY 2016: 17.3%FY 2017: 12.4%FY 2018: 16.4%FY 2019: 13.2%FY 2020: 20.7%FY 2021: 20.7%FY 2022: 12.8%FY 2023: 16.7%FY 2024: 12.1%FY 2025: 4.1%
FY 2016 5y median 12.8% FY 2025

Profitability

Gross Margin 60.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 89.2%FY 2021: 92.7%FY 2022: 90.3%FY 2023: 69.6%FY 2024: 62.8%FY 2025: 60.3%
FY 2016 5y median 69.6% FY 2025
Operating Margin 12.7%
FY 2016: 21.0%FY 2017: 21.4%FY 2018: 26.6%FY 2019: 19.4%FY 2020: 21.9%FY 2021: 25.2%FY 2022: 25.9%FY 2023: 15.7%FY 2024: 14.9%FY 2025: 12.7%
FY 2016 5y median 15.7% FY 2025
Net Margin 10.3%
FY 2016: 14.1%FY 2017: 16.3%FY 2018: 20.1%FY 2019: 15.2%FY 2020: 18.2%FY 2021: 19.5%FY 2022: 21.9%FY 2023: 13.4%FY 2024: 12.0%FY 2025: 10.3%
FY 2016 5y median 13.4% FY 2025
ROE 6.4%
FY 2016: 7.6%FY 2017: 9.6%FY 2018: 13.2%FY 2019: 9.6%FY 2020: 11.0%FY 2021: 10.3%FY 2022: 11.6%FY 2023: 8.0%FY 2024: 8.1%FY 2025: 6.4%
FY 2016 5y median 8.1% FY 2025
ROIC 0.5%
FY 2016: 1.9%FY 2017: 1.7%FY 2018: 2.2%FY 2019: 1.5%FY 2020: 2.1%FY 2021: 6.1%FY 2022: 6.2%FY 2023: 3.6%FY 2024: 1.8%FY 2025: 0.5%
FY 2016 5y median 3.6% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 0.7%FY 2020: 0.7%FY 2021: 0.7%FY 2022: 0.8%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.5%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 1.6%
FY 2016: 3.6%FY 2017: 19.2%FY 2018: 17.3%FY 2019: 8.8%FY 2020: 6.7%FY 2021: -3.4%FY 2022: 5.3%FY 2023: 28.2%FY 2024: 21.9%FY 2025: 1.6%
FY 2016 FY 2025
Operating Income -13.3%
FY 2016: 13.0%FY 2017: 21.6%FY 2018: 45.9%FY 2019: -20.4%FY 2020: 19.9%FY 2021: 11.4%FY 2022: 8.0%FY 2023: -22.0%FY 2024: 15.0%FY 2025: -13.3%
FY 2016 FY 2025
EPS (diluted) -13.3%
FY 2016: 11.9%FY 2017: 37.8%FY 2018: 45.1%FY 2019: -17.8%FY 2020: 27.8%FY 2021: 3.3%FY 2022: 18.2%FY 2023: -21.5%FY 2024: 9.5%FY 2025: -13.3%
FY 2016 FY 2025
Free Cash Flow -60.7%
FY 2016: 29.0%FY 2017: -18.9%FY 2018: 50.9%FY 2019: -6.7%FY 2020: 24.2%FY 2021: 6.4%FY 2022: -22.4%FY 2023: 12.8%FY 2024: -19.0%FY 2025: -60.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.2×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 1.2×
FY 2016: 0.2×FY 2017: 1.6×FY 2018: 2.0×FY 2019: 2.3×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 1.9×FY 2025: 1.2×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 11.8×
FY 2016: -2.3×FY 2017: 10.5×FY 2018: 10.4×FY 2019: 15.3×FY 2020: -9.2×FY 2021: -16.4×FY 2022: 1.7×FY 2023: 6.3×FY 2024: 14.0×FY 2025: 11.8×
FY 2016 5y median 6.3× FY 2025
Interest Coverage 0.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 2.6×FY 2020: 2.0×FY 2021: 3.5×FY 2022: 2.7×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 3.3%FY 2017: 2.9%FY 2018: 2.7%FY 2019: 2.3%FY 2020: 2.9%FY 2021: 2.7%FY 2022: 2.2%FY 2023: 2.5%FY 2024: 2.3%FY 2025: 2.0%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 21.6%
FY 2016: 38.7%FY 2017: 28.1%FY 2018: 20.6%FY 2019: 25.1%FY 2020: 19.6%FY 2021: 19.0%FY 2022: 16.1%FY 2023: 20.5%FY 2024: 18.7%FY 2025: 21.6%
FY 2016 5y median 19.0% FY 2025

Annual · latest fiscal year ends 2025-12-31