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Ballston Spa Bancorp, Inc.

BSPA

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6 Visible periods

31 Metrics

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Analytical Summary

Review the statement evidence below to form a view on BSPA.

Market Cap —

Dividend Yield —

Revenue Growth 70.8% ↗

Op. Margin -9.0% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close.

6-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$12.42M

↑ +70.8% —

Net Income Profit after all expenses

$-711.00K

↓ -391.4% —

Operating Margin Operating profit as % of sales

-9.0%

↓ -246.5% —

Dividend History

Dividend / share · sourced from SEC filings

$0.33 Latest / share

+0.0% YoY

Q4 FY2024

$0.33

Q1 FY2025

$0.33

Q2 FY2025

Q4 FY2025

$0.33

Q1 FY2026

$0.33

Q2 FY2026

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Revenue Growth YoY (%)	70.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1081%)	6.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	—	—	—	—
EPS Growth YoY (%)	N/M	-81.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—
Net Income Growth YoY (%)	N/M	-81.2% Weak Weak Year-over-year change in net income	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Operating Margin (%) (%)	-9.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-136%)	6.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	—	21.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	22.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	—
Effective Tax Rate (%) (%)	36.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	48.8% Weak ↑ Weak Improving 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%	19.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-5.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	—	17.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	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	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 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	N/A	N/A
Return on Capital (%) (%)	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	-0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	—	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Revenue per Share (USD)	$11.29	$10.47	—	$9.79	$9.80	—
Basic EPS, GAAP (USD)	$-0.65	$0.33	—	$1.66	$1.75	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.33	$0.33	—	$0.33	$0.33	—
Book Value per Share (USD)	$86.26	$95.15	—	$93.01	$91.31	—
Tangible Book Value per Share (USD)	$84.40	$93.01	—	$93.01	$91.31	—
Basic Weighted Avg Shares (shares)	1.10M	742,663	—	742,663	742,663	—
Dividend Payout Ratio (%)	-50.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	100.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	19.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	18.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$94.89M	$70.67M	$71.14M	$69.08M	$67.81M	$66.23M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Sales/Revenue/Turnover (USD)	$12.42M	$7.78M	—	$7.27M	$7.28M	—
Depreciation Expense (USD)	$216.00K	$188.00K	—	$176.00K	$147.00K	—
Net Income, GAAP (USD)	$-711.00K	$244.00K	—	$1.24M	$1.30M	—
Operating Cash Flow (USD)	$1.15M	$-588.00K	—	$565.00K	$539.00K	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-Q ↗
Net Interest Margin (approx.) (%)	3.1%	2.9%	—	—	—	—
Efficiency Ratio (%) (%)	109.0%	91.6%	—	77.0%	75.9%	—

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Ballston Spa Bancorp, Inc.

Analytical Summary

6-Year Financial Trajectory

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