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Ballston Spa Bancorp, Inc. (BSPA)
Ballston Spa, NY, US
Ballston Spa Bancorp, Inc. functions as the parent company for Ballston Spa National Bank, which provides a comprehensive suite of financial products and services. This institution serves a varied clientele, including individuals, corporations, and government entities throughout the United States, though its operational footprint is concentrated in New York. The bank offers a broad selection of deposit accounts, such as checking, savings, money market, health savings, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio is equally diverse, featuring mortgage and home equity loans, construction financing, vehicle loans (auto, boat, RV), personal loans, small business loans, term loans, commercial real estate loans, lines of credit, and government-backed programs. Debit and credit cards are also available. Beyond traditional banking, the company extends personal investment services that encompass annuities, college savings plans, mutual funds, and life and long-term care insurance. It also delivers comprehensive wealth management solutions, including investment and asset management, trusteeship, estate settlement, and custodial services. For its business clients, Ballston Spa National Bank provides specialized treasury management, merchant services, and payment processing. The institution further supports digital convenience with online and mobile banking, eStatements, and mobile wallet functionalities. Established in 1838 and headquartered in Ballston Spa, New York, the company maintains thirteen branch locations across the region, specifically in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +0.01% | -1.32% | +11.94% | +11.11% | +20.00% | +49.25% | +40.19% | +122.55% | +141.94% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth+21.9% Q1'26: -8.3% (vs Q4'24)
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EPS growth+9.5% Q1'26: -80.9% (vs Q4'24)
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FCF margin— Q1'26: -13.6% (vs Q4'24)
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EBIT margin— Q1'26: +4.6% (vs Q4'24)
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ROIC— Q1'26: +1.0% (vs Q4'24)
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Share dilution+0.0% Q1'26: +0.0% (vs Q4'24)
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Debt / EBITDA— Q1'26: 20.00× (vs Q4'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-26 | B | 3/5 | 5/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-20 | B | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-18 | B | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 2/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Christopher R. Dowd | CEO & Director | 624.1K | male |
| James Conroy | Executive Vice President & Chief Banking Officer. | 374.2K | male |
| James F. Dodd | Executive Vice President, Corporate Secretary & Chief Financial Officer | 364.2K | male |
| Leslie S. Dorsey | Senior Vice President of Human Resources | — | — |
| Melissa C. Mewhorter | Vice President of Finance & Controller | — | female |
| Pamela J. Montpelier | Senior Vice President of Growth & Experience Officer | — | female |
| Robert J. Roemer | Senior Vice President of Information Systems | — | male |
| Thomas Leach | Senior Vice President of Retail Lending | — | — |
| Ann Sharpe | Vice President of Wealth Management Solutions & Senior Trust Officer | — | — |
| Thomas White | Vice President of Wealth Management Solutions and Senior Investment & Trust Officer | — | male |
| David J. Omicinski | Senior Vice President of Business Banking Team Lead | — | — |
| John A. Balli | President | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BSPA
Short-term intention
Target Price Distribution
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