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

Company Overview

Ballston Spa Bancorp is the bank holding company for Ballston Spa National Bank, a community-focused financial institution headquartered in Ballston Spa, New York. Through its wholly owned subsidiary, the company provides a range of traditional banking services designed to meet the needs of individual consumers, small businesses and not-for-profit organizations in New York’s Capital Region.

The company’s core offerings include deposit products such as checking and savings accounts, money market accounts and certificates of deposit. On the lending side, Ballston Spa Bancorp extends commercial and industrial loans, commercial real estate financing, residential mortgages and home equity lines of credit. In addition, the bank offers treasury management solutions, cash-management tools, online and mobile banking platforms, wealth management services and merchant card processing to support the operational and financial needs of its clients.

As a locally governed institution, Ballston Spa Bancorp emphasizes personalized service and decision-making at the community level. The company’s operations are concentrated in Saratoga County and surrounding areas of the Capital District, where it has built longstanding relationships with customers and community organizations. Guided by an experienced management team and a board of directors with deep regional ties, Ballston Spa Bancorp aims to balance growth with prudent risk management and a commitment to the markets it serves.

Key Stats

• Today's Range: $75.00 to $75.00
• 50-Day Range: $71.00 to $77.50
• 52-Week Range: $61.50 to $77.50
• Volume: N/A
• Average Volume: 418 shs
• Market Capitalization: $55.73 million
• P/E Ratio: 227.27
• Dividend Yield: 1.76%
• Price Target: N/A
• Consensus Rating: N/A

Ballston Spa Bancorp Stock Analysis - MarketRank™

Ballston Spa Bancorp scored higher than 4% 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 227.27, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 44.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ballston Spa Bancorp is 227.27, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 24.00.

Short Interest

• Score: 3.0 / 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 0.03, 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 increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Ballston Spa Bancorp pays a meaningful dividend of 1.76%, 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.

Dividend Coverage

The dividend payout ratio of Ballston Spa Bancorp is 400.00%. Payout ratios above 75% are not desirable because they may not be sustainable.

News and Social Media

• Score: 1.2 / 5
• News Sentiment: N/A

News Sentiment

Ballston Spa Bancorp has a news sentiment score of -0.16. 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 lower news sentiment than the 0.82 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 1 article 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: 5/14/2026
• Today: 5/30/2026
• 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: 227.27
• 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: 1.18
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 743,000
• Free Float: N/A
• Market Cap: $55.73 million
• Optionable: Not Optionable
• Beta: -0.15