1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Ballston Spa Bancorp, Inc.

Ballston Spa Bancorp, Inc.

BSPA
Ballston Spa Bancorp, Inc.US flagOther OTC
80.04
USD
- -
- -
59.44MMarket Cap

Income Statement (USD)

Income Statement APIChatGPT
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2002
12/31/2003
12/31/2004
12/31/2005
12/31/2006
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
12
13
12
13
13
24
25
25
25
27
30
+ Sales & Services Revenue
12
13
12
13
13
24
25
25
25
27
30
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
-2
-1
-2
-3
-17
-18
-18
-19
-20
-22
- Operating Expenses
- -
- -
- -
- -
- -
17
18
18
19
20
22
+ Selling, General & Admin
5
6
6
6
6
12
12
12
13
14
15
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-5
-6
-6
-6
-6
5
5
6
6
6
7
Operating Income (Loss)
- -
2
1
2
3
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
-6
-7
-7
-6
-6
-6
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
-6
-7
-7
-6
-6
-6
Pretax Income
- -
2
1
2
3
6
7
7
6
6
6
- Income Tax Expense (Benefit)
- -
- -
- -
- -
1
1
2
1
1
1
1
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
- -
1
1
1
2
5
5
6
5
5
5
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
- -
1
1
1
2
5
5
6
5
5
5
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
1
1
1
2
5
5
6
5
5
5
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
- -
1
1
1
2
5
5
6
5
5
5
EBIT
- -
2
1
2
3
- -
- -
- -
- -
- -
- -
EBITDA
- -
2
1
2
3
1
1
1
1
1
1
EBITDA Margin (%)
0.9
14.24
8.85
13.94
21.34
2.96
2.86
2.3
2.34
2.17
2.55
EBITA
- -
2
1
2
3
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
0.9
14.24
8.85
13.94
21.34
- -
- -
- -
- -
- -
- -
Profit Margin (%)
4.02
10.59
7.33
11.19
15.41
20.8
20.98
24.24
19.26
18.82
15.24
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.76
0.81
0.96
- -
- -
1.32
1.32
1.32
1.32
1.32
1.32
Depreciation Expense
- -
- -
- -
- -
- -
1
1
1
1
1
1
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
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
Basic EPS from Cont Ops
0.67
1.8
1.16
1.83
2.58
6.72
6.94
8.2
6.44
6.91
6.11
Diluted Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
Diluted EPS, GAAP
0.67
1.8
1.16
1.83
2.58
6.72
6.93
8.2
6.44
6.91
6.11
Diluted EPS from Cont Ops
0.67
1.8
1.16
1.83
2.58
6.72
6.94
8.2
6.44
6.91
6.11

Balance Sheet (USD)

Balance Sheet APIChatGPT
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2002
12/31/2003
12/31/2004
12/31/2005
12/31/2006
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
7
8
8
6
6
97
151
29
32
33
34
+ Cash & Cash Equivalents
7
8
8
6
6
90
144
22
24
26
28
+ ST Investments
- -
- -
- -
- -
- -
6
7
7
8
7
6
+ Accounts & Notes Receiv
1
1
1
1
1
2
2
2
3
3
3
+ Accounts Receivable, Net
1
1
1
1
1
2
2
2
3
3
3
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-9
-9
-9
-7
-7
-98
-153
-32
-34
-36
-37
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
- -
- -
- -
- -
10
9
10
10
10
12
+ Property, Plant & Equip
- -
- -
- -
- -
- -
18
18
20
20
20
22
- Accumulated Depreciation
- -
- -
- -
- -
- -
9
9
10
10
10
10
+ LT Investments & Receivables
72
115
113
87
69
6
7
7
8
7
6
+ LT Investments
72
115
113
87
69
6
7
7
8
7
6
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-72
-115
-113
-87
-69
-16
-16
-18
-18
-17
-18
+ Total Intangible Assets
- -
- -
- -
2
2
2
2
2
2
2
2
+ Goodwill
- -
- -
- -
- -
- -
2
2
2
2
2
2
+ Other Intangible Assets
- -
- -
- -
2
2
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-72
-115
-113
-89
-71
-18
-18
-19
-19
-19
-20
Total Assets
263
284
303
309
319
690
768
756
824
896
929
+ Payables & Accruals
1
- -
- -
2
2
- -
- -
- -
- -
- -
- -
+ Accounts Payable
1
- -
- -
2
2
- -
- -
- -
- -
- -
- -
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
- -
- -
- -
- -
10
10
22
25
86
54
+ ST Borrowings
- -
- -
- -
- -
- -
10
10
22
25
86
54
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-1
- -
- -
-2
-2
-10
-10
-22
-25
-86
-54
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-1
- -
- -
-2
-2
-10
-10
-22
-25
-86
-54
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
9
22
29
17
22
19
13
13
38
38
28
+ LT Borrowings
9
22
29
17
22
19
13
13
38
38
28
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
-9
-22
-29
-17
-22
-19
-13
-13
-38
-38
-28
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-9
-22
-29
-17
-22
-19
-13
-13
-38
-38
-28
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
245
265
285
286
296
645
718
703
764
830
857
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
10
10
10
17
17
10
10
10
10
10
10
+ Common Stock
10
10
10
6
6
10
10
10
10
10
10
+ Additional Paid in Capital
- -
- -
- -
11
11
- -
- -
- -
- -
- -
- -
- Treasury Stock
1
1
1
- -
- -
1
1
1
1
1
1
+ Retained Earnings
9
10
10
7
7
39
43
48
52
58
62
+ Other Equity
1
- -
-1
-1
-1
-2
-2
-4
-1
-1
1
Equity Before Minority Interest
19
19
18
22
24
45
50
53
60
66
71
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
19
19
18
22
24
45
50
53
60
66
71
Total Liabilities & Equity
263
284
303
309
319
690
768
756
824
896
929
Shares Outstanding
1
1
1
1
1
1
1
1
1
1
1
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Debt
2
13
21
10
16
-62
-121
13
39
99
54
Net Debt to Equity
8.1
70.61
118.9
46.76
66.35
-136.16
-242.33
24.69
65.29
148.73
75.35
Tangible Common Equity Ratio
7.08
6.71
5.91
6.73
6.89
6.34
6.3
6.78
7.09
7.22
7.5
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

Cash Flow Statement APIChatGPT
2002 Y
2003 Y
2004 Y
2005 Y
2006 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2002
12/31/2003
12/31/2004
12/31/2005
12/31/2006
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
- -
1
1
- -
- -
5
5
6
5
5
5
+ Depreciation & Amortization
- -
- -
- -
- -
- -
1
1
1
1
1
1
+ Non-Cash Items
3
- -
2
- -
- -
1
- -
1
1
-1
- -
+ Stock-Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Income Taxes
- -
- -
- -
- -
- -
-1
- -
- -
- -
-1
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
3
- -
2
- -
- -
2
1
1
1
- -
- -
+ Chg in Non-Cash Work Cap
- -
- -
- -
- -
- -
2
1
-1
1
1
-1
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
- -
- -
- -
- -
- -
2
1
- -
1
2
-1
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
3
1
3
- -
- -
8
7
7
7
6
5
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
-2
- -
-1
-3
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
-2
- -
-1
-3
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Change in LT Investment
-13
-45
- -
- -
- -
8
-4
-17
19
-13
13
+ Dec in LT Investment
19
43
35
- -
- -
21
22
45
69
16
20
+ Inc in LT Investment
-32
-88
-35
- -
- -
-13
-26
-62
-49
-29
-8
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-7
13
-22
- -
- -
-31
-23
-95
-83
-58
-38
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-20
-33
-22
- -
- -
-24
-26
-113
-64
-71
-28
+ Dividends Paid
-1
-1
-1
- -
- -
-1
-1
-1
-1
-1
-1
+ Net Cash From Debt
5
13
8
- -
- -
- -
-6
- -
33
61
-10
+ Cash From Debt
5
13
8
- -
- -
- -
- -
- -
33
61
- -
+ Repayments of Debt
- -
- -
- -
- -
- -
- -
-6
- -
- -
- -
-10
+ Other Financing Activities
10
9
12
- -
- -
95
79
-15
27
7
37
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
15
21
19
- -
- -
94
72
-16
59
67
26
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
-2
-11
- -
- -
- -
79
53
-122
2
2
2
EBITDA
- -
2
1
2
3
1
1
1
1
1
1
EBITDA Margin (%)
0.9
14.24
8.85
13.94
21.34
2.96
2.86
2.3
2.34
2.17
2.55
Free Cash Flow
3
1
3
- -
- -
8
7
6
6
5
2
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Firm
- -
1
3
- -
- -
8
7
6
6
5
2
Free Cash Flow to Equity
- -
14
11
- -
- -
8
2
6
40
67
-8
Free Cash Flow per Basic Share
4.34
1.21
3.99
- -
- -
11.31
9.92
7.71
8.69
7.23
2.76
Price/Free Cash Flow
- -
- -
- -
- -
- -
3.89
4.7
4.96
5.28
6.43
6.73
Cash Flow to Net Income
6.47
0.67
3.44
- -
- -
1.7
1.45
1.21
1.44
1.18
1.05
Capital Expenditures
- -
- -
- -
- -
- -
- -
- -
-2
- -
-1
-3