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Equity
Ballston Spa Bancorp Inc(BSPA)
USD --+0.00%
Reward49Moderate
Risk60Medium-High
📊75%Data
Revenue growing 12% YoY
BSPA
+0.0 · +0.00%
USD · PINK
Ballston Spa Bancorp Inc | Financial Services
Balanced
Market Cap:54.95M
ℹ️
Reward Rating
49
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
60
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on BSPA to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is 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.

BSPA · Verdict

Moderate reward · elevated risk

BSPA stands out on volatility and profitability, but watch the balance sheet signal.

Based on 88% data coverage

BSPA · Verdict

What’s working & what to watch

Strengths 2

  • Volatility75/100

    Above average

  • Profitability65/100

    12% net margin · 7% ROE

Watchouts 2

  • Balance sheet7/100

    Interest covered 0.4×

  • Valuation37/100

    P/E 35.2×

Model-based scoring. For information only — not financial advice.

What is 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. It offers checking, money market, savings, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home construction, improvement, equity, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit; and debit and credit cards. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 54.95M, and a P/E ratio of 10.4x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (49)

The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap54.95M
P/E Ratio10.4211
Dividend YieldN/A
52 Week High76.6657
52 Week Low60.3204
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding743K
No. of Employees135
IndustryBanks - Regional
ExchangePINK
Beta-0.173
CurrencyUSD
Websitewww.bsnb.com
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