Ballston Spa Bancorp (BSPA) Stock Price, News & Analysis

Company Overview

Ballston Spa Bancorp, Inc. is a bank holding company headquartered in Ballston Spa, New York. The company operates through its subsidiary, Ballston Spa National Bank, a community bank serving individuals, families, businesses and organizations in the Capital Region of New York.

Ballston Spa National Bank provides traditional banking products and services, including checking and savings accounts, certificates of deposit, consumer and residential mortgage loans, commercial real estate and business lending, and online and mobile banking. The bank also offers treasury management and other financial services designed to support local businesses and households.

Ballston Spa National Bank has a long operating history in the region, with roots dating to the 19th century. Through branches and other delivery channels, the institution focuses primarily on communities in and around Saratoga County and the greater Capital Region. Ballston Spa Bancorp's common stock trades over the counter under the symbol BSPA.

Key Stats

• Today's Range: $82.05 to $82.05
• 50-Day Range: $76.80 to $82.92
• 52-Week Range: $65.08 to $82.92
• Volume: N/A
• Average Volume: 76 shs
• Market Capitalization: $92.72 million
• P/E Ratio: N/A
• Dividend Yield: 1.61%
• Price Target: N/A
• Consensus Rating: N/A

Ballston Spa Bancorp Stock Analysis - MarketRank™

Ballston Spa Bancorp scored higher than 26% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Ballston Spa Bancorp.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Ballston Spa Bancorp is -256.41, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ballston Spa Bancorp is -256.41, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Ballston Spa Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Ballston Spa Bancorp has a short interest ratio ("days to cover") of 0.16, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ballston Spa Bancorp has recently decreased by 59.52%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Ballston Spa Bancorp pays a meaningful dividend of 1.61%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Ballston Spa Bancorp does not have a long track record of dividend growth.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

Ballston Spa Bancorp has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Ballston Spa Bancorp this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Ballston Spa Bancorp insiders have not sold or bought any company stock.

Percentage Held by Institutions

2.44% of the stock of Ballston Spa Bancorp is held by institutions.

Company Calendar

• Last Earnings: 8/14/2026
• Today: 9/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:BSPA
• CIK: 2094107
• Web: www.bsnb.com
• Phone: (518) 363-8150
• Fax: 518-363-8350
• Employees: N/A
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $47.24 million
• Price / Sales: 1.96
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 1,130,000
• Free Float: N/A
• Market Cap: $92.72 million
• Optionable: Not Optionable
• Beta: -0.14