Ballston Spa Bancorp, Inc.
BSPA
Sync financial data to generate a health grade for this company.
Analytical Summary
Review the statement evidence below to form a view on BSPA.
4-Year Financial Trajectory
QuarterlyDividend History
Dividend / share · sourced from SEC filingsNo annual dividend data reported to the SEC.
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-Q ↗ |
|---|---|---|---|---|
| Revenue Growth YoY (%) |
6.9%
Fair
Fair
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+15%)
|
— | — | — |
| EPS Growth YoY (%) |
-81.1%
Weak
Weak
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — |
| Net Income Growth YoY (%) |
-81.2%
Weak
Weak
Year-over-year change in net income |
— | — | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-Q ↗ |
|---|---|---|---|---|
| Operating Margin (%) (%) |
6.1%
Caution
Caution
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-75%)
|
— |
22.1%
Good
Good
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-12%)
|
— |
| Effective Tax Rate (%) (%) |
48.8%
Weak
Weak
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
19.0%
Good
Good
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
| Profit Margin (%) (%) |
3.1%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-86%)
|
— |
17.9%
Good
Good
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-19%)
|
— |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-Q ↗ |
|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
0.0%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — |
| Return on Common Equity (%) (%) |
0.3%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-97%)
|
— |
1.9%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-84%)
|
— |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-Q ↗ |
|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $7.78M | — | $7.28M | — |
| Depreciation Expense (USD) | $188.00K | — | $147.00K | — |
| Net Income, GAAP (USD) | $244.00K | — | $1.30M | — |
| Operating Cash Flow (USD) | $-588.00K | — | $539.00K | — |
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Benchmark Lens
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Benchmark Lens
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Compare BSPA with peers
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north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago