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  3. •

    Banks - Regional
Ballston Spa Bancorp, Inc.

Ballston Spa Bancorp, Inc.

BSPA
Ballston Spa Bancorp, Inc.US flagOther OTC
76.80
USD
- -
- -
57.04MMarket Cap
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
16.66
16.97
15.85
16.33
16.71
32.3
33.02
33.84
33.44
36.7
- -
40.05
Basic EPS, GAAP
0.67
1.8
1.16
1.83
2.58
6.72
6.93
8.2
6.44
6.91
- -
6.11
Free Cash Flow per Basic Share
4.34
1.21
3.99
- -
- -
11.31
9.92
7.71
8.69
7.23
- -
- -
Dividend per Share
0.76
0.81
0.96
- -
- -
1.32
1.32
1.32
1.32
1.32
- -
- -
Book Value per Share
25.74
26.46
26.65
16.91
18.1
65.08
70.7
77.58
83.38
91.45
- -
96.14
Tangible Book Value per Share
25.33
25.69
24.13
26.9
28.51
58.73
65.01
68.85
78.42
87.03
- -
93.54
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
- -
1
Sales/Revenue/Turnover
12
13
12
13
13
24
25
25
25
27
30
30
Operating Margin (%)
0.9
14.24
8.85
13.94
21.34
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
1
1
1
1
1
1
- -
Net Income, GAAP
- -
1
1
1
2
5
5
6
5
5
5
5
Effective Tax Rate (%)
- -
25.64
17.1
19.69
27.79
16.63
22.71
15.39
14.85
18.85
19
19
Profit Margin (%)
4.02
10.59
7.33
11.19
15.41
20.8
20.98
24.24
19.26
18.82
15.24
15.24
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
9
22
29
17
22
29
23
35
63
124
82
82
Total Equity
19
19
18
22
24
45
50
53
60
66
71
71
Return on Invested Capital (%)
- -
3.9
1.96
3.25
4.69
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
6.91
4.38
8.58
14.72
16.02
10.2
11.07
8
7.9
6.51
6.5

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1
1
Market Capitalization
46
53
50

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24
20
28
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.57%
9.53%
7.41%
Free Cash Flow
- -
-20.07%
-61.79%
Net Income, GAAP
38.66%
-0.84%
-11.52%
Sales/Revenue/Turnover
11.43%
4.51%
9.24%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
7
6
6
6
25
2024
7
7
7
7
27
2025
7
7
7
8
30

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
1.91
- -
- -
- -
6.44
2024
1.65
- -
- -
- -
6.91
2025
1.75
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.32
2024
- -
- -
- -
- -
1.32
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Christopher R. Dowd
Full Time Employees
142
Sector
Financial Services
Industry
Banks - Regional
Address
990 State Route 67 Ballston Spa NY United States of America 12020
IPO Date
Feb 22, 1999
CIK
0002094107
Website
bsnb.com
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Business
Ballston Spa Bancorp, Inc. (BSPA) is a bank holding company for Ballston Spa National Bank, a community bank that provides retail and commercial banking services to individuals, families, businesses, and organizations in the greater Capital Region of New York State; its core offerings include checking and savings accounts, money market accounts, certificates of deposit, debit and credit cards, online and mobile banking, treasury management, payment processing, commercial loans, small business loans, residential mortgages, home equity lines of credit, home improvement loans, construction loans, personal loans, wealth management, trust services, investment services, brokerage, and fiduciary services. Headquartered at 990 State Route 67 in Ballston Spa, New York, the company traces its origins to 1838 and operates through 13 full-service branches primarily in Albany and Saratoga Counties. In September 2025, Ballston Spa Bancorp announced a strategic merger of equals with NBC Bancorp, Inc., parent of National Bank of Coxsackie, to create a $1.3 billion-asset community bank with expanded operations across Albany, Saratoga, Greene, and Schoharie Counties, an increased lending limit, broader branch network including eight additional locations branded as Coxsackie Bank, a division of Ballston Spa National Bank, and enhanced digital tools and product offerings, with completion expected in the second quarter of 2026 pending regulatory and shareholder approvals. Earlier in 2025, the bank commenced historic renovations on its original 1838 headquarters at 87 Front Street in Ballston Spa, partnering with preservation firms to modernize the facility with a full-service branch, new ATM, drive-thru, and updated technology while preserving its landmark status.

Company News

APIChatGPT

  • businesswire.com

    Ballston Spa Bancorp, Inc. and NBC Bancorp, Inc. Complete Strategic Merger

  • businesswire.com

    Ballston Spa Bancorp, Inc. Completes $26 Million Subordinated Debt Raise

  • defenseworld.net

    Ballston Spa Bancorp (OTCMKTS:BSPA) Shares Up 1.3% – What’s Next?