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
76.80
USD
- -
- -
57.04MMarket Cap

Income Statement (USD)

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
1
1
1
1
1
1
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-5
-6
-6
-6
-6
16
17
16
17
19
21
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
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
0.9
14.24
8.85
13.94
21.34
- -
- -
- -
- -
- -
- -
EBITA
- -
2
1
2
3
-1
-1
-1
-1
-1
-1
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
- -
Depreciation Expense
- -
- -
- -
- -
- -
1
1
1
1
1
1
Basic Weighted Avg Shares
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
- -
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
- -
Diluted Weighted Avg Shares
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
- -
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
- -

Balance Sheet (USD)

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
90
144
22
24
26
28
+ Cash & Cash Equivalents
7
8
8
6
6
90
144
22
24
26
28
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
1
1
1
1
1
2
2
2
3
3
3
+ Accounts Receivable, Net
1
1
1
1
1
- -
- -
- -
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
2
2
2
3
3
3
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-9
-9
-9
-7
-7
-92
-145
-24
-27
-29
-31
+ 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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-1
- -
- -
-2
-2
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-1
- -
- -
-2
-2
- -
- -
- -
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
9
22
29
17
22
29
23
35
63
124
82
+ LT Borrowings
9
22
29
17
22
- -
- -
- -
- -
- -
- -
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Liabilities
-9
-22
-29
-17
-22
-29
-23
-35
-63
-124
-82
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-9
-22
-29
-17
-22
-29
-23
-35
-63
-124
-82
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
- -
- -
- -
- -
- -
- -
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
-90
-144
-22
-24
-26
-28
Net Debt to Equity
8.1
70.61
118.9
46.76
66.35
-199.83
-288.26
-41.51
-39.67
-38.87
-39.56
Tangible Common Equity Ratio
7.08
6.71
5.91
6.75
6.91
6.34
6.3
6.78
7.09
7.22
7.5
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Non-Cash Items
3
- -
2
- -
- -
2
1
2
1
- -
1
+ Stock-Based Compensation
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Income Taxes
- -
- -
- -
- -
- -
-1
- -
- -
- -
-1
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
3
- -
2
- -
- -
2
1
2
2
- -
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
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
0.9
14.24
8.85
13.94
21.34
- -
- -
- -
- -
- -
- -
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
- -
Price/Free Cash Flow
- -
- -
- -
- -
- -
3.89
4.7
4.96
5.28
6.43
- -
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