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: $68.21 to $68.21
• 50-Day Range: $61.50 to $68.21
• 52-Week Range: $55.00 to $68.21
• Volume: 60 shs
• Average Volume: 908 shs
• Market Capitalization: $52.52 million
• P/E Ratio: N/A
• Dividend Yield: 1.94%
• Price Target: N/A
• Consensus Rating: N/A

BSPA Stock Analysis - Frequently Asked Questions

How have BSPA shares performed this year?

Ballston Spa Bancorp's stock was trading at $58.16 at the beginning of 2025. Since then, BSPA stock has increased by 17.3% and is now trading at $68.21.

How do I buy shares of Ballston Spa Bancorp?

Shares of BSPA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Ex-Dividend for 7/1 Dividend: 6/03/2025
• Record date for 7/1 Dividend: 6/04/2025
• Dividend Payable: 7/01/2025
• Ex-Dividend for 10/1 Dividend: 9/03/2025
• Record date for 10/1 Dividend: 9/04/2025
• Today: 9/15/2025
• Dividend Payable: 10/01/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:BSPA
• CIK: N/A
• 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: $36.16 million
• Price / Sales: 1.45
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 770,000
• Free Float: N/A
• Market Cap: $52.52 million
• Optionable: Not Optionable
• Beta: -0.20