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Ballston Spa Bancorp Inc
Buy, Hold or Sell?

Let's analyse Ballston Spa Bancorp Inc together

PenkeI guess you are interested in Ballston Spa Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Ballston Spa Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Ballston Spa Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Ballston Spa Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$5.28
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$80.56
Expected worth in 1 year
$118.81
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
$43.52
Return On Investment
80.6%

For what price can you sell your share?

Current Price per Share
$54.00
Expected price per share
$53.25 - $
How sure are you?
50%

1. Valuation of Ballston Spa Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$54.00

Intrinsic Value Per Share

$55.12 - $80.79

Total Value Per Share

$135.69 - $161.35

2. Growth of Ballston Spa Bancorp Inc (5 min.)




Is Ballston Spa Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$59.8m$52.7m$7.1m11.9%

How much money is Ballston Spa Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$4.7m$6m-$1.3m-27.4%
Net Profit Margin13.2%21.5%--

How much money comes from the company's main activities?

3. Financial Health of Ballston Spa Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Ballston Spa Bancorp Inc? (5 min.)

Welcome investor! Ballston Spa Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Ballston Spa Bancorp Inc.

What can you expect buying and holding a share of Ballston Spa Bancorp Inc?

First you should know what it really means to hold a share of Ballston Spa Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Ballston Spa Bancorp Inc is $54.00. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Ballston Spa Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Ballston Spa Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $80.56. Based on the TTM, the Book Value Change Per Share is $9.56 per quarter. Based on the YOY, the Book Value Change Per Share is $3.85 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $1.32 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Ballston Spa Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps6.4411.9%6.4411.9%8.2015.2%6.7112.4%5.309.8%
Usd Book Value Change Per Share9.5617.7%9.5617.7%3.857.1%6.7512.5%4.999.2%
Usd Dividend Per Share1.322.4%1.322.4%1.322.4%1.322.4%1.272.3%
Usd Total Gains Per Share10.8820.2%10.8820.2%5.179.6%8.0714.9%6.2511.6%
Usd Price Per Share52.00-52.00-60.00-41.00-29.20-
Price to Earnings Ratio8.07-8.07-7.31-5.80-4.92-
Price-to-Total Gains Ratio4.78-4.78-11.62-7.22-9.18-
Price to Book Ratio0.65-0.65-0.85-0.59-0.49-
Price-to-Total Gains Ratio4.78-4.78-11.62-7.22-9.18-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share54
Number of shares18
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share1.321.32
Usd Book Value Change Per Share9.566.75
Usd Total Gains Per Share10.888.07
Gains per Quarter (18 shares)195.86145.27
Gains per Year (18 shares)783.44581.06
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
19568877395486571
2190137715561909721152
32852065233928514581733
43802754312238019442314
54753442390547524302895
65704131468857029163476
76654819547166534024057
87605507625476038884638
98556196703785543745219
109506884782095048615800

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%15.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.01.00.093.3%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.00.02.086.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.01.00.093.3%

Fundamentals of Ballston Spa Bancorp Inc

About Ballston Spa Bancorp Inc

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, and equity loans, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit and government programs; and debits and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds, and 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 payments. The company was founded in 1838 and is based in Ballston Spa, New York.

Fundamental data was last updated by Penke on 2024-05-15 00:47:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Ballston Spa Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Ballston Spa Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 13.2% means that $0.13 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Ballston Spa Bancorp Inc:

  • The MRQ is 13.2%. The company is making a huge profit. +2
  • The TTM is 13.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.2%TTM13.2%0.0%
TTM13.2%YOY21.5%-8.3%
TTM13.2%5Y17.5%-4.2%
5Y17.5%10Y17.4%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.2%38.5%-25.3%
TTM13.2%29.6%-16.4%
YOY21.5%26.3%-4.8%
5Y17.5%23.6%-6.1%
10Y17.4%20.4%-3.0%
1.1.2. Return on Assets

Shows how efficient Ballston Spa Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • 0.6% Return on Assets means that Ballston Spa Bancorp Inc generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Ballston Spa Bancorp Inc:

  • The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.8%-0.2%
TTM0.6%5Y0.7%-0.1%
5Y0.7%10Y0.7%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6%0.3%+0.3%
TTM0.6%0.2%+0.4%
YOY0.8%0.2%+0.6%
5Y0.7%0.2%+0.5%
10Y0.7%0.2%+0.5%
1.1.3. Return on Equity

Shows how efficient Ballston Spa Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • 8.0% Return on Equity means Ballston Spa Bancorp Inc generated $0.08 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Ballston Spa Bancorp Inc:

  • The MRQ is 8.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.0%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.0%TTM8.0%0.0%
TTM8.0%YOY11.6%-3.6%
TTM8.0%5Y10.1%-2.1%
5Y10.1%10Y9.6%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.0%3.1%+4.9%
TTM8.0%2.5%+5.5%
YOY11.6%2.7%+8.9%
5Y10.1%2.5%+7.6%
10Y9.6%2.8%+6.8%

1.2. Operating Efficiency of Ballston Spa Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Ballston Spa Bancorp Inc is operating .

  • Measures how much profit Ballston Spa Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of -3.5% means the company generated $-0.03  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Ballston Spa Bancorp Inc:

  • The MRQ is -3.5%. The company is operating very inefficient. -2
  • The TTM is -3.5%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-3.5%TTM-3.5%0.0%
TTM-3.5%YOY-3.9%+0.4%
TTM-3.5%5Y-3.9%+0.4%
5Y-3.9%10Y-2.0%-2.0%
1.2.2. Operating Ratio

Measures how efficient Ballston Spa Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.16 means that the operating costs are $0.16 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Ballston Spa Bancorp Inc:

  • The MRQ is 0.157. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.157. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.157TTM0.1570.000
TTM0.157YOY0.195-0.038
TTM0.1575Y0.172-0.015
5Y0.17210Y0.465-0.293

1.3. Liquidity of Ballston Spa Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Ballston Spa Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.06 means the company has $0.06 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Ballston Spa Bancorp Inc:

  • The MRQ is 0.062. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.062. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.062TTM0.0620.000
TTM0.062YOY0.049+0.013
TTM0.0625Y0.124-0.062
5Y0.12410Y0.097+0.026
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0620.124-0.062
YOY0.0490.167-0.118
5Y0.1240.207-0.083
10Y0.0970.131-0.034
1.3.2. Quick Ratio

Measures if Ballston Spa Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.06 means the company can pay off $0.06 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Ballston Spa Bancorp Inc:

  • The MRQ is 0.055. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.055. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.055TTM0.0550.000
TTM0.055YOY0.045+0.011
TTM0.0555Y0.119-0.064
5Y0.11910Y0.060+0.060

1.4. Solvency of Ballston Spa Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Ballston Spa Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Ballston Spa Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.93 means that Ballston Spa Bancorp Inc assets are financed with 92.7% credit (debt) and the remaining percentage (100% - 92.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Ballston Spa Bancorp Inc:

  • The MRQ is 0.927. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.927. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.927TTM0.9270.000
TTM0.927YOY0.930-0.003
TTM0.9275Y0.932-0.004
5Y0.93210Y0.931+0.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9270.915+0.012
TTM0.9270.916+0.011
YOY0.9300.918+0.012
5Y0.9320.919+0.013
10Y0.9310.926+0.005
1.4.2. Debt to Equity Ratio

Measures if Ballston Spa Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,276.4% means that company has $12.76 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Ballston Spa Bancorp Inc:

  • The MRQ is 12.764. The company is unable to pay all its debts with equity. -1
  • The TTM is 12.764. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.764TTM12.7640.000
TTM12.764YOY13.333-0.569
TTM12.7645Y13.637-0.873
5Y13.63710Y13.603+0.035
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.76410.799+1.965
TTM12.76410.909+1.855
YOY13.33311.266+2.067
5Y13.63711.324+2.313
10Y13.60312.886+0.717

2. Market Valuation of Ballston Spa Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Ballston Spa Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Ballston Spa Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 8.07 means the investor is paying $8.07 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Ballston Spa Bancorp Inc:

  • The EOD is 8.385. Based on the earnings, the company is underpriced. +1
  • The MRQ is 8.074. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.074. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD8.385MRQ8.074+0.311
MRQ8.074TTM8.0740.000
TTM8.074YOY7.313+0.761
TTM8.0745Y5.801+2.274
5Y5.80110Y4.924+0.877
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.3853.675+4.710
MRQ8.0743.418+4.656
TTM8.0744.741+3.333
YOY7.3136.901+0.412
5Y5.8019.496-3.695
10Y4.9249.770-4.846
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Ballston Spa Bancorp Inc:

  • The EOD is 6.211. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 5.981. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 5.981. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.211MRQ5.981+0.230
MRQ5.981TTM5.9810.000
TTM5.981YOY7.787-1.807
TTM5.9815Y4.731+1.250
5Y4.73110Y3.584+1.147
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.211-2.538+8.749
MRQ5.981-2.360+8.341
TTM5.981-1.072+7.053
YOY7.7876.461+1.326
5Y4.7310.248+4.483
10Y3.5840.032+3.552
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Ballston Spa Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.65 means the investor is paying $0.65 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Ballston Spa Bancorp Inc:

  • The EOD is 0.670. Based on the equity, the company is cheap. +2
  • The MRQ is 0.645. Based on the equity, the company is cheap. +2
  • The TTM is 0.645. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.670MRQ0.645+0.025
MRQ0.645TTM0.6450.000
TTM0.645YOY0.845-0.200
TTM0.6455Y0.589+0.057
5Y0.58910Y0.492+0.097
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6700.452+0.218
MRQ0.6450.420+0.225
TTM0.6450.439+0.206
YOY0.8450.594+0.251
5Y0.5890.763-0.174
10Y0.4920.991-0.499
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Ballston Spa Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--9.5629.5620%3.846+149%6.751+42%4.985+92%
Book Value Per Share--80.56380.5630%71.001+13%66.898+20%54.342+48%
Current Ratio--0.0620.0620%0.049+25%0.124-50%0.097-36%
Debt To Asset Ratio--0.9270.9270%0.9300%0.9320%0.9310%
Debt To Equity Ratio--12.76412.7640%13.333-4%13.637-6%13.603-6%
Dividend Per Share--1.3201.3200%1.3200%1.3200%1.266+4%
Eps--6.4406.4400%8.204-22%6.712-4%5.298+22%
Free Cash Flow Per Share--8.6948.6940%7.705+13%8.542+2%7.120+22%
Free Cash Flow To Equity Per Share--87.59487.5940%-13.796+116%76.927+14%56.370+55%
Gross Profit Margin--0.9080.9080%0.939-3%0.928-2%0.964-6%
Intrinsic Value_10Y_max--80.792--------
Intrinsic Value_10Y_min--55.124--------
Intrinsic Value_1Y_max--8.532--------
Intrinsic Value_1Y_min--7.861--------
Intrinsic Value_3Y_max--25.304--------
Intrinsic Value_3Y_min--21.735--------
Intrinsic Value_5Y_max--41.674--------
Intrinsic Value_5Y_min--33.437--------
Market Cap40103802.000+4%38618476.00038618476.0000%44559780.000-13%30449183.000+27%21920511.500+76%
Net Profit Margin--0.1320.1320%0.215-39%0.175-24%0.174-24%
Operating Margin---0.035-0.0350%-0.039+11%-0.039+12%-0.020-44%
Operating Ratio--0.1570.1570%0.195-19%0.172-9%0.465-66%
Pb Ratio0.670+4%0.6450.6450%0.845-24%0.589+10%0.492+31%
Pe Ratio8.385+4%8.0748.0740%7.313+10%5.801+39%4.924+64%
Price Per Share54.000+4%52.00052.0000%60.000-13%41.000+27%29.196+78%
Price To Free Cash Flow Ratio6.211+4%5.9815.9810%7.787-23%4.731+26%3.584+67%
Price To Total Gains Ratio4.963+4%4.7794.7790%11.616-59%7.219-34%9.179-48%
Quick Ratio--0.0550.0550%0.045+24%0.119-54%0.060-7%
Return On Assets--0.0060.0060%0.008-28%0.007-16%0.007-12%
Return On Equity--0.0800.0800%0.116-31%0.101-21%0.096-17%
Total Gains Per Share--10.88110.8810%5.165+111%8.070+35%6.251+74%
Usd Book Value--59831000.00059831000.0000%52730000.000+13%49683000.000+20%40928700.000+46%
Usd Book Value Change Per Share--9.5629.5620%3.846+149%6.751+42%4.985+92%
Usd Book Value Per Share--80.56380.5630%71.001+13%66.898+20%54.342+48%
Usd Dividend Per Share--1.3201.3200%1.3200%1.3200%1.266+4%
Usd Eps--6.4406.4400%8.204-22%6.712-4%5.298+22%
Usd Free Cash Flow--6457000.0006457000.0000%5722000.000+13%6344000.000+2%5365700.000+20%
Usd Free Cash Flow Per Share--8.6948.6940%7.705+13%8.542+2%7.120+22%
Usd Free Cash Flow To Equity Per Share--87.59487.5940%-13.796+116%76.927+14%56.370+55%
Usd Market Cap40103802.000+4%38618476.00038618476.0000%44559780.000-13%30449183.000+27%21920511.500+76%
Usd Price Per Share54.000+4%52.00052.0000%60.000-13%41.000+27%29.196+78%
Usd Profit--4783000.0004783000.0000%6093000.000-22%4984800.000-4%3987800.000+20%
Usd Revenue--36138000.00036138000.0000%28283000.000+28%28867800.000+25%22915600.000+58%
Usd Total Gains Per Share--10.88110.8810%5.165+111%8.070+35%6.251+74%
 EOD+4 -4MRQTTM+0 -0YOY+22 -125Y+20 -1410Y+24 -12

3.2. Fundamental Score

Let's check the fundamental score of Ballston Spa Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-158.385
Price to Book Ratio (EOD)Between0-10.670
Net Profit Margin (MRQ)Greater than00.132
Operating Margin (MRQ)Greater than0-0.035
Quick Ratio (MRQ)Greater than10.055
Current Ratio (MRQ)Greater than10.062
Debt to Asset Ratio (MRQ)Less than10.927
Debt to Equity Ratio (MRQ)Less than112.764
Return on Equity (MRQ)Greater than0.150.080
Return on Assets (MRQ)Greater than0.050.006
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Ballston Spa Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5099.732
Ma 20Greater thanMa 5053.288
Ma 50Greater thanMa 10052.915
Ma 100Greater thanMa 20052.079
OpenGreater thanClose54.000
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets823,533
Total Liabilities763,702
Total Stockholder Equity59,831
 As reported
Total Liabilities 763,702
Total Stockholder Equity+ 59,831
Total Assets = 823,533

Assets

Total Assets823,533
Total Current Assets26,502
Long-term Assets797,031
Total Current Assets
Cash And Cash Equivalents 23,735
Total Current Assets  (as reported)26,502
Total Current Assets  (calculated)23,735
+/- 2,767
Long-term Assets
Property Plant Equipment 10,026
Goodwill 1,595
Long-term Assets Other 12,996
Long-term Assets  (as reported)797,031
Long-term Assets  (calculated)24,617
+/- 772,414

Liabilities & Shareholders' Equity

Total Current Liabilities428,050
Long-term Liabilities335,652
Total Stockholder Equity59,831
Total Current Liabilities
Short-term Debt 25,203
Other Current Liabilities 402,847
Total Current Liabilities  (as reported)428,050
Total Current Liabilities  (calculated)428,050
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)335,652
Long-term Liabilities  (calculated)0
+/- 335,652
Total Stockholder Equity
Common Stock9,600
Retained Earnings 52,325
Accumulated Other Comprehensive Income -1,145
Other Stockholders Equity -949
Total Stockholder Equity (as reported)59,831
Total Stockholder Equity (calculated)59,831
+/-0
Other
Cash and Short Term Investments 23,735
Common Stock Shares Outstanding 743
Liabilities and Stockholders Equity 823,533
Net Debt 39,436
Net Working Capital -401,548
Short Long Term Debt Total 63,171



Balance Sheet

All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312006-12-312005-12-312004-12-312003-12-312002-12-31
> Total Assets 
263,277
284,345
302,964
308,667
319,489
424,056
442,435
443,264
500,909
534,455
588,192
689,752
768,371
755,783
823,533
823,533755,783768,371689,752588,192534,455500,909443,264442,435424,056319,489308,667302,964284,345263,277
   > Total Current Assets 
8,586
9,360
9,200
7,465
7,290
57,200
48,684
15,450
8,984
11,128
13,245
92,162
145,490
24,260
26,502
26,50224,260145,49092,16213,24511,1288,98415,45048,68457,2007,2907,4659,2009,3608,586
       Cash And Cash Equivalents 
7,490
8,188
8,049
6,256
5,972
54,712
46,193
13,452
7,280
11,128
11,412
90,342
143,765
21,888
23,735
23,73521,888143,76590,34211,41211,1287,28013,45246,19354,7125,9726,2568,0498,1887,490
       Net Receivables 
1,096
1,172
1,151
1,209
1,318
0
0
0
0
0
0
0
0
0
0
00000000001,3181,2091,1511,1721,096
       Other Current Assets 
0
0
0
207,858
237,491
1,199
1,202
1,323
1,565
0
13,245
92,162
145,490
24,260
26,502
26,50224,260145,49092,16213,24501,5651,3231,2021,199237,491207,858000
   > Long-term Assets 
76,938
119,775
117,938
93,344
74,708
0
0
0
0
0
574,947
597,590
622,881
731,523
797,031
797,031731,523622,881597,590574,9470000074,70893,344117,938119,77576,938
       Property Plant Equipment 
5,071
4,681
4,601
4,338
3,886
10,471
10,319
9,918
10,589
10,180
10,434
9,819
9,125
10,181
10,026
10,02610,1819,1259,81910,43410,18010,5899,91810,31910,4713,8864,3384,6014,6815,071
       Goodwill 
0
0
0
0
0
1,595
1,595
1,595
1,595
0
1,595
1,595
1,595
1,595
1,595
1,5951,5951,5951,5951,59501,5951,5951,5951,59500000
       Long Term Investments 
0
0
0
0
0
83,249
84,393
80,823
78,567
77,228
0
0
0
0
0
0000077,22878,56780,82384,39383,24900000
       Other Assets 
177,753
155,210
175,826
207,858
237,491
271,541
297,444
335,478
401,174
435,919
481,168
0
536,066
0
0
00536,0660481,168435,919401,174335,478297,444271,541237,491207,858175,826155,210177,753
> Total Liabilities 
244,635
265,273
285,044
286,227
295,844
394,859
412,262
411,851
466,863
498,412
547,422
644,542
718,497
703,053
763,702
763,702703,053718,497644,542547,422498,412466,863411,851412,262394,859295,844286,227285,044265,273244,635
   > Total Current Liabilities 
680
413
376
2,292
2,049
374,770
402,310
401,010
455,942
474,417
393,296
464,750
526,656
491,326
428,050
428,050491,326526,656464,750393,296474,417455,942401,010402,310374,7702,0492,292376413680
       Short-term Debt 
0
0
0
0
0
10,500
10,500
5,155
55,255
0
74,210
10,000
10,000
22,000
25,203
25,20322,00010,00010,00074,210055,2555,15510,50010,50000000
       Short Long Term Debt 
0
0
0
0
0
10,500
10,500
5,155
55,255
0
0
0
0
0
0
00000055,2555,15510,50010,50000000
       Accounts payable 
680
413
376
2,292
2,049
364,270
391,810
401,010
405,842
419,567
446,026
604,972
684,545
0
0
00684,545604,972446,026419,567405,842401,010391,810364,2702,0492,292376413680
       Other Current Liabilities 
-680
-413
-376
-2,292
-2,049
0
0
0
0
0
319,086
454,750
516,656
469,326
402,847
402,847469,326516,656454,750319,08600000-2,049-2,292-376-413-680
   > Long-term Liabilities 
9,000
21,655
29,355
16,750
21,660
0
0
0
0
0
154,126
179,792
191,841
211,727
335,652
335,652211,727191,841179,792154,1260000021,66016,75029,35521,6559,000
       Other Liabilities 
0
0
0
0
0
4,434
4,797
5,686
5,766
5,210
8,401
12,297
11,047
0
0
0011,04712,2978,4015,2105,7665,6864,7974,43400000
> Total Stockholder Equity
18,642
19,072
17,920
22,389
23,592
29,197
30,173
31,413
34,046
36,043
40,770
45,210
49,874
52,730
59,831
59,83152,73049,87445,21040,77036,04334,04631,41330,17329,19723,59222,38917,92019,07218,642
   Common Stock
9,600
9,600
9,600
6,480
6,480
9,600
9,600
9,600
9,600
9,600
9,600
9,600
9,600
9,600
9,600
9,6009,6009,6009,6009,6009,6009,6009,6009,6009,6006,4806,4809,6009,6009,600
   Retained Earnings 
9,342
10,044
10,194
6,537
7,455
22,542
23,748
25,205
28,027
31,797
34,722
38,731
42,905
48,018
52,325
52,32548,01842,90538,73134,72231,79728,02725,20523,74822,5427,4556,53710,19410,0449,342
   Accumulated Other Comprehensive Income 
689
377
-925
-1,281
-996
0
0
0
0
0
-2,603
-2,172
-1,682
-3,939
-1,145
-1,145-3,939-1,682-2,172-2,60300000-996-1,281-925377689
   Capital Surplus 000000000000000
   Treasury Stock000000000000000
   Other Stockholders Equity 
-989
-949
-949
10,653
10,653
-1,996
-2,226
-2,443
-2,632
-4,405
-949
-949
-949
-949
-949
-949-949-949-949-949-4,405-2,632-2,443-2,226-1,99610,65310,653-949-949-989



Balance Sheet

All numbers in thousands.




Cash Flow

All numbers in thousands.




Income Statement

All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue36,138
Cost of Revenue-0
Gross Profit36,13836,138
 
Operating Income (+$)
Gross Profit36,138
Operating Expense-5,665
Operating Income6,29330,473
 
Operating Expense (+$)
Research Development0
Selling General Administrative1,878
Selling And Marketing Expenses441
Operating Expense5,6652,319
 
Net Interest Income (+$)
Interest Income0
Interest Expense-2,663
Other Finance Cost-2,663
Net Interest Income0
 
Pretax Income (+$)
Operating Income6,293
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)5,617676
EBIT - interestExpense = -3,921
5,617
7,446
Interest Expense2,663
Earnings Before Interest and Taxes (EBIT)-1,2588,280
Earnings Before Interest and Taxes (EBITDA)-676
 
After tax Income (+$)
Income Before Tax5,617
Tax Provision-0
Net Income From Continuing Ops05,617
Net Income4,783
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses30,540
Total Other Income/Expenses Net5,6170
 

Technical Analysis of Ballston Spa Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Ballston Spa Bancorp Inc. The general trend of Ballston Spa Bancorp Inc is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Ballston Spa Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Ballston Spa Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: < < .

The bearish price targets are: 53.25 > 53.25 > 53.25.

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Ballston Spa Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Ballston Spa Bancorp Inc. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Ballston Spa Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Ballston Spa Bancorp Inc. The current macd is 0.26733831.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Ballston Spa Bancorp Inc price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Ballston Spa Bancorp Inc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Ballston Spa Bancorp Inc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Ballston Spa Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartBallston Spa Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Ballston Spa Bancorp Inc. The current adx is 94.54.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Ballston Spa Bancorp Inc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Ballston Spa Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Ballston Spa Bancorp Inc. The current sar is 52.88.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Ballston Spa Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Ballston Spa Bancorp Inc. The current rsi is 99.73. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -1/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1