BSPA OTC
Ballston Spa Bancorp, Inc.
1W: -2.5%
1M: -0.2%
3M: +3.9%
YTD: +18.6%
1Y: +12.9%
3Y: +59.0%
5Y: +58.1%
$80.02
+0.29 (+0.36%)
Weekly Expected Move ±1.5%
$78
$79
$80
$81
$82
Overview
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Smart Money
Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
Dark Pool
Short Interest
Supply Chain
Income Trends
Revenue
$43M
+21.9% ▲
5Y CAGR: +11.1%
Gross Profit
$27M
+10.1% ▲
5Y CAGR: +1.3%
Operating Income
$6M
+15.0% ▲
5Y CAGR: +5.3%
Net Income
$5M
+9.4% ▲
5Y CAGR: +6.0%
EPS (Diluted)
$7.05
+9.5% ▲
5Y CAGR: +6.0%
EBITDA
$7M
+13.8% ▲
5Y CAGR: +5.7%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 |
|---|---|---|---|---|---|
| Revenue | $27M | $26M | $28M | $36M | $43M |
| YoY Growth | +6.7% | -3.4% | +5.3% | +28.2% | +21.9% |
| Cost of Revenue | $3M | $2M | $3M | $11M | $16M |
| Gross Profit | $24M | $25M | $25M | $25M | $27M |
| Gross Margin | 89.2% | 92.7% | 90.3% | 69.6% | 62.8% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $907K | $958K | $1M | $1M | $2M |
| Operating Expenses | $18M | $18M | $18M | $19M | $21M |
| Operating Income | $6M | $7M | $7M | $6M | $6M |
| Operating Margin | 21.9% | 25.2% | 25.9% | 15.7% | 14.9% |
| Interest Expense | $3M | $2M | $3M | $11M | $16M |
| Income Before Tax | $6M | $7M | $7M | $6M | $6M |
| Tax Expense | $995K | $2M | $1M | $834K | $1M |
| Net Income | $5M | $5M | $6M | $5M | $5M |
| Net Margin | 18.2% | 19.5% | 21.9% | 13.4% | 12.0% |
| EPS (Diluted) | $6.72 | $6.94 | $8.20 | $6.44 | $7.05 |
| EBITDA | $7M | $7M | $8M | $6M | $7M |
| Shares Outstanding | 742663 | 742663 | 742663 | 742663 | 742663 |