Ballston SPA Bancorp, Inc.
BSPA.PK operates in the banking industry, providing financial services and generating revenue primarily through interest income and fee-based services.
Business. BSPA.PK is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed on the OTC market under the ticker BSPA.PK. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data. Consequently, the firm is described at the industry level as a financial institution subject to standard banking metrics such as net interest margin and capital adequacy ratios.
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
BSPA.PK is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed on the OTC market under the ticker BSPA.PK. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data. Consequently, the firm is described at the industry level as a financial institution subject to standard banking metrics such as net interest margin and capital adequacy ratios.
BSPA.PK maintains a liquidity position with a debt-to-equity ratio of 0.12, indicating a relatively low level of leverage. The company's free cash flow of $9,199,000 supports its operational flexibility, although its net cash position is negative after subtracting total debt.
In terms of profitability, BSPA.PK reports a return on equity of 15.49%, which is a strong indicator of efficient capital use. However, its return on assets of 1.14% suggests that the company is not generating substantial returns relative to its asset base, which may be a concern compared to industry benchmarks.
The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification could expose the company to higher risks if the primary market experiences downturns.
BSPA.PK's growth trajectory is positive, with a net income of $10,260,000 and a revenue of $23,737,000. However, the company's capital expenditure of -$672,000 indicates a reduction in investment, which may affect long-term growth potential.
The company faces a medium liquidity risk, as noted in the risk assessment. While dilution risk is currently low, the negative net cash position after subtracting total debt could lead to future dilution if the company needs to raise additional capital.
Recent events and filings have not been disclosed in the provided data, so no specific recent developments can be cited.
- BSPA.PK has a strong return on equity of 15.49%, indicating efficient use of shareholder capital.
- The company's liquidity position is medium, with a debt-to-equity ratio of 0.12.
- BSPA.PK's return on assets of 1.14% is relatively low, suggesting inefficiency in asset utilization.
- The company's revenue is concentrated in a single segment, increasing exposure to market-specific risks.
- Capital expenditure is negative, indicating a reduction in investment that may impact future growth.
- **margin_outlook_rationale**: The company's margin outlook is positive due to its strong return on equity, indicating efficient capital use.
- **rd_outlook_rationale**: There is no specific information provided on research and development activities, so the outlook is neutral.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
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Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
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- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- BSPA.PK Market data — financials · 2026-05-27
Ownership & reference
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Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Return on equity (FY 2025-12-31): 6.4%Derived (calculated)
- Return on assets (FY 2025-12-31): 0.5%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 12.05xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 301.5%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 9.3%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): -11.6%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -11.5%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -21.4%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 7.4%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 3.6%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 3.3%Derived (calculated)
- Pre-tax income (annual): USD 5.6MSEC XBRL filing
- Operating cash flow (annual): USD 4.75MSEC XBRL filing
- Net income (annual): USD 4.54MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 6SEC XBRL filing
- Total liabilities (annual): USD 857.36MSEC XBRL filing
- Cash & equivalents (annual): USD 28.15MSEC XBRL filing
- Total assets (annual): USD 928.5MSEC XBRL filing
- Capex (annual): USD 2.7MSEC XBRL filing
- Shareholders' equity (annual): USD 71.14MSEC XBRL filing
- Return on equity (FY 2024-12-31): 7.7%Derived (calculated)
- Shareholders' equity (YoY) (2024-12-31 vs 2023-12-31): 7.4%Derived (calculated)
- Return on assets (FY 2024-12-31): 0.6%Derived (calculated)
- Debt-to-equity (FY 2024-12-31): 12.53xDerived (calculated)