Ballston Spa Bancorp, Inc. (BSPA)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 24 | 25 | 25 | 25 | 27 | 27 | 24 | - |
| Operating profit | $m | 6 | 2 | ||||||
| Net profit | $m | 5 | 5 | 6 | 5 | 5 | 5 | 2 | - |
| EPS reported | $ | 6.11 | 2.38 | ||||||
| Operating cashflow per share | $ | 6.40 | 2.08 | ||||||
| Capex per share | $ | 3.63 | 2.11 | ||||||
| FCF per share | $ | 2.76 | -0.03 | ||||||
| Free cash flow | $m | 2 | -0 | ||||||
| Net debt | $m | 74 | -36 | ||||||
| Book value equity | $m | 71 | 95 | ||||||
| Book value per share | $ | 95.79 | 86.26 | ||||||
| Number of shares | m | 0.74 | 1.1 | ||||||
| DPS (TTM paid) | $ | 1.32 | 1.32 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.05 | 17.38 | ||||||
| P/B LTM | x | 0.70 | 0.53 | ||||||
| P/S LTM | x | 1.84 | 2.13 | ||||||
| P/FCF LTM | x | 24.43 | -1,474.40 | ||||||
| EV/EBITDA LTM | x | 19.63 | 61.77 | ||||||
| EV/Sales LTM | x | 2.83 | 2.34 | ||||||
| Earnings Yield LTM | % | +9.05% | +5.75% | ||||||
| FCF Yield | % | +4.09% | -0.07% | ||||||
| Quality | |||||||||
| ROE | % | +6.38% | +2.01% | ||||||
| ROIC | % | +0.49% | +1.23% | ||||||
| Operating margin | % | +12.69% | +4.26% | ||||||
| Gross margin | % | +60.27% | +53.91% | ||||||
| FCF/Sales | % | +4.64% | -0.08% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -13.33% | -66.24% | ||||||
| Sales Growth YoY | % | -0.30% | -13.88% | ||||||
| Net Income Growth YoY | % | -13.28% | -70.65% | ||||||
| FCF Growth | % | -60.74% | - | ||||||
| Operating Profit Growth | % | -13.28% | -71.62% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.95% | +1.65% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +21.60% | +14.07% | ||||||
| FCF/Debt | x | 0.02 | -0.00 | ||||||
| Net Debt/EBITDA | x | 11.75 | 20.30 | ||||||
| EBIT/Net interest | x | 0.33 | 0.09 | ||||||
| Net debt/market cap | % | +1.63% | +96.09% | ||||||
| Net debt/Equity | x | 1.05 | -0.38 | ||||||
| Gross debt/equity | x | 1.15 | 0.60 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Ballston Spa Bancorp, Inc. functions as the parent company for Ballston Spa National Bank, which provides a comprehensive suite of financial products and services. This institution serves a varied clientele, including individuals, corporations, and government entities throughout the United States, though its operational footprint is concentrated in New York. The bank offers a broad selection of deposit accounts, such as checking, savings, money market, health savings, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio is equally diverse, featuring mortgage and home equity loans, construction financing, vehicle loans (auto, boat, RV), personal loans, small business loans, term loans, commercial real estate loans, lines of credit, and government-backed programs. Debit and credit cards are also available. Beyond traditional banking, the company extends personal investment services that encompass annuities, college savings plans, mutual funds, and life and long-term care insurance. It also delivers comprehensive wealth management solutions, including investment and asset management, trusteeship, estate settlement, and custodial services. For its business clients, Ballston Spa National Bank provides specialized treasury management, merchant services, and payment processing. The institution further supports digital convenience with online and mobile banking, eStatements, and mobile wallet functionalities. Established in 1838 and headquartered in Ballston Spa, New York, the company maintains thirteen branch locations across the region, specifically in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Ballston Spa Bancorp, Inc. (BSPA)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Ballston Spa Bancorp, Inc. functions as the parent company for Ballston Spa National Bank, which provides a comprehensive suite of financial products and services. This institution serves a varied clientele, including individuals, corporations, and government entities throughout the United States, though its operational footprint is concentrated in New York. The bank offers a broad selection of deposit accounts, such as checking, savings, money market, health savings, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio is equally diverse, featuring mortgage and home equity loans, construction financing, vehicle loans (auto, boat, RV), personal loans, small business loans, term loans, commercial real estate loans, lines of credit, and government-backed programs. Debit and credit cards are also available. Beyond traditional banking, the company extends personal investment services that encompass annuities, college savings plans, mutual funds, and life and long-term care insurance. It also delivers comprehensive wealth management solutions, including investment and asset management, trusteeship, estate settlement, and custodial services. For its business clients, Ballston Spa National Bank provides specialized treasury management, merchant services, and payment processing. The institution further supports digital convenience with online and mobile banking, eStatements, and mobile wallet functionalities. Established in 1838 and headquartered in Ballston Spa, New York, the company maintains thirteen branch locations across the region, specifically in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton.
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