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Last update at 2026-06-22T20:00:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Income before tax | 6.46M | 5.62M | 7.20M | - | - |
| Minority interest | - | - | - | - | - |
| Net income | 5.23M | 4.78M | 6.09M | - | - |
| Selling general administrative | 1.21M | 0.84M | 0.92M | - | - |
| Selling and marketing expenses | 0.29M | 0.44M | 0.37M | - | - |
| Gross profit | 27.34M | 24.83M | 25.13M | - | - |
| Reconciled depreciation | 0.59M | 0.58M | 0.58M | - | - |
| Ebit | 6.46M | 5.62M | 7.20M | - | - |
| Ebitda | 7.05M | 6.20M | 7.78M | - | - |
| Depreciation and amortization | 0.59M | 0.58M | 0.58M | - | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | 6.46M | 5.62M | 7.20M | - | - |
| Other operating expenses | 37.04M | 30.07M | 20.64M | 2.53M | 2.19M |
| Interest expense | 16.16M | 10.85M | 2.71M | 0.00000M | 0.00000M |
| Tax provision | 1.23M | 0.83M | 1.11M | - | - |
| Interest income | 39.99M | 34.25M | 25.61M | - | - |
| Net interest income | 23.82M | 23.39M | 22.90M | - | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 1.23M | 0.83M | 1.11M | 1.51M | 0.99M |
| Total revenue | 43.50M | 35.69M | 27.84M | - | - |
| Total operating expenses | 20.88M | 19.22M | 17.93M | - | - |
| Cost of revenue | 16.16M | 10.85M | 2.71M | - | - |
| Total other income expense net | 0.00900M | -3.34600M | -3.16900M | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 5.23M | 4.78M | 6.09M | - | - |
| Net income applicable to common shares | - | - | - | 5.15M | 4.99M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | 898.12M | 823.53M | 755.78M | - | - |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 28.91M | -2.76700M | 24.26M | 1.73M | 1.82M |
| Total liab | 833.62M | 763.70M | 703.05M | - | - |
| Total stockholder equity | 64.50M | 59.83M | 52.73M | - | - |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -86.50000M | 689.24M | 657.56M | - | - |
| Common stock | 9.60M | 9.60M | 9.60M | 9.60M | 9.60M |
| Capital stock | 9.60M | 9.60M | 9.60M | - | - |
| Retained earnings | 56.58M | 52.33M | 48.02M | 42.91M | 38.73M |
| Other liab | - | - | - | 11.05M | 12.30M |
| Good will | 1.59M | 1.59M | 1.59M | - | - |
| Other assets | 869.20M | 2.77M | - | 536.07M | 513.84M |
| Cash | 25.74M | 23.73M | 21.89M | - | - |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 696.05M | 689.24M | 657.56M | 694.54M | 614.97M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 98.51M | 39.06M | 13.02M | - | - |
| Short term debt | 86.50M | 25.20M | 22.00M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 124.25M | 62.80M | 34.91M | - | - |
| Other stockholder equity | -0.94900M | -2.09400M | -4.88800M | -1.68200M | -2.17200M |
| Property plant equipment | - | - | - | 9.12M | 9.82M |
| Total current assets | 28.91M | 26.50M | 24.26M | 145.49M | 92.16M |
| Long term investments | 7.05M | 7.83M | 7.47M | - | - |
| Net tangible assets | - | - | - | 48.28M | 43.62M |
| Short term investments | - | 0.20M | - | - | - |
| Net receivables | 3.17M | 2.77M | 2.37M | - | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | -24.26000M | - | - |
| Accounts payable | - | - | - | 684.54M | 604.97M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -0.73500M | -1.14500M | -3.93900M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 102.07M | 84.62M | 100.45M | - | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 869.20M | 797.03M | 731.52M | - | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | -71.17400M | -63.63300M | -113.26600M | -4.24500M | 7.65M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -71.17400M | -63.63300M | -113.26500M | -26.27700M | -23.81300M |
| Net borrowings | 61.45M | 33.05M | 12.00M | -5.88000M | -64.21000M |
| Total cash from financing activities | 67.28M | 58.60M | -15.96800M | 72.22M | 93.76M |
| Change to operating activities | - | - | - | 0.93M | 2.31M |
| Net income | 5.23M | 4.78M | 6.09M | 5.15M | 4.99M |
| Change in cash | 2.01M | 1.85M | -121.87700M | 53.42M | 78.93M |
| Begin period cash flow | 23.73M | 21.89M | 143.76M | - | - |
| End period cash flow | 25.74M | 23.73M | 21.89M | - | - |
| Total cash from operating activities | 5.90M | 6.88M | 7.36M | 7.48M | 8.99M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.59M | 0.58M | 0.58M | 0.70M | 0.71M |
| Other cashflows from investing activities | -57.95200M | -82.61300M | 0.33M | 0.31M | 0.91M |
| Dividends paid | 0.98M | 0.98M | 0.98M | -0.98000M | -0.98000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -0.40300M | -0.39500M | -0.64700M | - | - |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | 6.81M | 29.58M | -26.98800M | 79.08M | 158.95M |
| Change to netincome | - | - | - | 0.59M | 1.09M |
| Capital expenditures | 0.67M | 0.43M | 1.63M | 0.11M | 0.10M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 0.71M | 0.52M | -0.64900M | - | - |
| Stock based compensation | - | -1.16400M | -1.15600M | - | - |
| Other non cash items | -0.04400M | 1.00M | 1.47M | - | - |
| Free cash flow | 5.23M | 6.46M | 5.72M | - | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BSPA Ballston Spa Bancorp Inc |
- -% | 75.13 | 10.70 | 35.21 | 1.96 | 0.77 | 2.80 |
| HDB HDFC Bank Limited ADR |
-0.07 0.28% | 25.02 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.13 0.44% | 29.92 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.1 0.19% | 51.25 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States. It offers checking, money market, savings, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home construction, improvement, equity, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit; and debit and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds; life and long-term care insurance products; retirement plans; college planning services; investment and asset management; trusteeship; estate settlement; special needs and disability trusts; and wealth management services. In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, and digital payment services. The company was founded in 1838 and is headquartered in Ballston Spa, New York.
990 State Route 67, Ballston Spa, NY, United States, 12020
| Name | Title | Year Born |
|---|---|---|
| Mr. Christopher R. Dowd | Pres, CEO & Director | NA |
| Mr. James F. Dodd CPA | Sr. VP, Corp. Sec. & CFO | NA |
| Mr. Thomas M. White | VP and Sr. Investment & Trust Officer | NA |
| Ms. Susan M. Slovic | VP of Marketing | NA |
| Leslie S. Dorsey | VP of HR | NA |
| Ms. Margaret K. de Koning | Exec. VP & Chief Banking Officer | NA |
| Deborah JR O'Connor | VP of Treasury Management | NA |
| Ann M. Sharpe | VP & Sr. Trust Officer | NA |
| Mr. Christopher R. Dowd | CEO & Director | 1964 |
| Mr. James F. Dodd CPA | Executive VP, Corporate Secretary & CFO | NA |
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