Ballston Spa Bancorp, Inc. (BSPA) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 33.70 means the share price is 33.70 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $59.6M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerBallston Spa Bancorp, Inc. (BSPA) trades at $80.20.
Price as of Sep 11, 2026 · Last analyzed: Sep 9, 2026Ballston 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. The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home equity, construction, auto, boat, RV, personal, small business, term, and commercial real estate loans, as well as lines of credit and government programs; and debits and credit cards. It also provides personal investment services, which include annuities, college savings plans, mutual funds, and life and long term care insurance products; investment and asset management; trusteeship; estate settlement; custodial; 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, eStatements, and mobile wallets. It operates through thirteen branch offices in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton counties.
Analyst Coverage for BSPA: BSPA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BSPA against Financials peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
BSPA: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Ballston Spa Bancorp, Inc. Company Overview
Who Are BSPA's Competitors?
BSPA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.13 | -0.96% | $294M | 905-pillar |
| CFFI C&F Financial Corporation | $93.79 | +0.15% | $305M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
| NWFL Norwood Financial Corp. | $34.26 | -0.47% | $373M | 925-pillar |
| FNLC The First Bancorp, Inc. | $34.83 | -0.47% | $393M | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are the Key Risks for BSPA?
Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 59 |
| 2026-08-26 | 59 |
| 2026-08-29 | 59 |
| 2026-09-01 | 59 |
| 2026-09-04 | 59 |
| 2026-09-07 | 59 |
| 2026-09-10 | 59 |
What changed?
The score has stayed at 59.
Over the same 18 days the stock moved -3.3%.
How Ballston Spa Bancorp, Inc. Is Valued
Ballston Spa Bancorp, Inc. carries a market capitalization of $59.6M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for Ballston Spa Bancorp, Inc. stands at 5.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. BSPA trades at a trailing price-to-earnings ratio of 33.70, well above the broad market's ~20-25x average. Its free cash flow yield is -2.6%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 6.3%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Ballston Spa Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
BSPA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
BSPA Latest News
No recent news available for BSPA.
BSPA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for BSPA.
Price Targets
Wall Street price target analysis for BSPA.
BSPA MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for BSPA; grades run from A+ (80-100) to F (below 30).
BSPA OTC Market Information
BSPA trades on the OTC Other market tier of OTC Markets.
- OTC Tier: OTC Other
Investor Questions: BSPA Stock
Is BSPA a good stock?
Stock Expert AI does not rate BSPA buy, sell or hold. Ballston Spa Bancorp, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the key factors to evaluate for BSPA?
Evaluate BSPA on fundamentals, analyst consensus, and risk factors. P/E: 33.70x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BSPA data refresh on this page?
BSPA's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BSPA's recent stock price performance?
Ballston Spa Bancorp, Inc. (BSPA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BSPA overvalued or undervalued right now?
Ballston Spa Bancorp, Inc. (BSPA) trades at 33.70x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of BSPA?
Yes, most major brokerages offer fractional shares of Ballston Spa Bancorp, Inc. (BSPA) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track BSPA's earnings and financial reports?
Ballston Spa Bancorp, Inc. (BSPA) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for BSPA earnings announcements.
What should investors new to BSPA understand first?
Ballston Spa Bancorp, Inc. (BSPA) is worth researching across volatility, fundamentals, and industry context. With a market cap of $59.6M, its size is a factor in volatility characteristics. The P/E ratio is 33.70x (growth-oriented valuation). Start with the Company Overview and MoonshotScore tabs for a structured introduction.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.