# Ballston Spa Bancorp, Inc. (BSPA)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/BSPA/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 21.71M | $ -467.0K | $ -926.0K | $ 57.23M | $ 94.89M |
| 2025 | $ 44.84M | $ 4.65M | $ 913.3K | $ 82.15M | $ 71.14M |
| 2024 | $ 45.72M | $ 5.50M | $ 0 | $ 124.25M | $ 64.50M |
| 2023 | $ 38.58M | $ 5.17M | $ 0 | $ 63.17M | $ 59.83M |
| 2022 | $ 31.10M | $ 6.81M | $ 0 | $ 34.91M | $ 52.73M |
| 2021 | $ 31.43M | $ 6.13M | $ 0 | $ 22.91M | $ 49.87M |
| 2020 | $ 29.60M | $ 6.36M | $ 0 | $ 28.79M | $ 45.21M |
| 2019 | $ 26.92M | $ 5.04M | $ 0 | $ 93.00M | $ 40.77M |
| 2018 | $ 27.96M | $ 6.27M | $ 0 | $ 18.79M | $ 36.04M |
| 2017 | $ 24.55M | $ 4.42M | $ 0 | $ 5.16M | $ 34.05M |
| 2016 | $ 21.69M | $ 3.27M | $ 0 | $ 5.16M | $ 31.41M |
| 2015 | $ 20.98M | $ 2.99M | $ 0 | $ 5.16M | $ 30.17M |
| 2014 | $ 20.80M | $ 3.42M | $ 0 | $ 15.66M | $ 29.20M |
| 2013 | $ 21.62M | $ 3.72M | $ 0 | $ 26.16M | $ 29.03M |
| 2012 | $ 10.47M | $ 1.51M | $ 0 | $ 0 | $ 26.55M |
| 2007 | $ 22.94M | $ 2.73M | N/A | $ 57.85M | $ 25.29M |
| 2006 | $ 29.30M | $ 3.00M | N/A | $ 21.66M | $ 23.59M |
| 2005 | $ 25.30M | $ 2.13M | N/A | $ 16.75M | $ 22.39M |
| 2004 | $ 22.66M | $ 1.31M | $ 4.49M | $ 29.36M | $ 17.92M |
| 2003 | $ 24.36M | $ 2.02M | $ 1.36M | $ 21.66M | $ 19.07M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.60 |
| Liabilities / Eq | 13.38 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 11.12 |

## Other views

- [Metrics](https://sponda.capital/en/BSPA.md)
- [Charts](https://sponda.capital/en/BSPA/charts.md)
- [Compare](https://sponda.capital/en/BSPA/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-30.