Ballston Spa Bancorp, Inc.
Ballston Spa Bancorp, Inc.
Your view on BSPA
Overview
What the company does, where it operates, and who runs it.
About Ballston Spa Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Christopher R. Dowd
- Headquarters
- BSNB Corporate Plaza, Ballston Spa, NY, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Christopher R. Dowd
- Headquarters
- BSNB Corporate Plaza, Ballston Spa, NY, US
Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States.
The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home equity, construction, auto, boat, RV, personal, small business, term, and commercial real estate loans, as well as lines of credit and government programs; and debits and credit cards.
It also provides personal investment services, which include annuities, college savings plans, mutual funds, and life and long term care insurance products; investment and asset management; trusteeship; estate settlement; custodial; and wealth management services.
In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, eStatements, and mobile wallets.
It operates through thirteen branch offices in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton counties. The company was founded in 1838 and is based in Ballston Spa, New York.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Ballston Spa Bancorp, Inc., and the rating behind it. BSPA last traded at $76.00, 33.7× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Ballston Spa Bancorp, Inc.. Starting points for Ballston Spa Bancorp, Inc.: P/E 33.7, EPS $1.40, beta -0.21 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Ballston Spa Bancorp, Inc.. Ballston Spa Bancorp, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Ballston Spa Bancorp, Inc.. Trailing twelve-month EPS for Ballston Spa Bancorp, Inc. stands at $1.40. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Ballston Spa Bancorp, Inc.. Ballston Spa Bancorp, Inc. has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Ballston Spa Bancorp, Inc. valued side by side against its closest peers. Ballston Spa Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Ballston Spa Bancorp, Inc., and how their positions are changing. At a $56.4M market value, institutional positions materially move Ballston Spa Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Ballston Spa Bancorp, Inc. executives and directors. Shares of Ballston Spa Bancorp, Inc. have traded between $61.25 and $77.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Ballston Spa Bancorp, Inc.. Ballston Spa Bancorp, Inc. is a $56.4M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Ballston Spa Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Ballston Spa Bancorp, Inc.. Coverage tracks Ballston Spa Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.