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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Ballston Spa Bancorp Inc. is a financial holding company overseeing the activities of its subsidiary, Ballston Spa National Bank. This institution provides a broad range of banking services to individuals and businesses in its regional footprint. Primarily, it facilitates personal and commercial banking transactions, including savings and checking accounts, loans, mortgages, and investment services. Located in the upstate New York area, Ballston Spa Bancorp is integral to supporting local economic growth by catering to the banking needs of the community. The bank is known for its personalized customer service and commitment to maintaining long-term relationships with its customers. Financial institutions like Ballston Spa Bancorp play a crucial role in local development by providing vital financial resources and banking stability, thereby fostering economic resilience and growth within their primary operating regions. Through its comprehensive service offerings, Ballston Spa Bancorp Inc. remains an essential fixture in the regional banking sector, bolstering both personal finance and small business advancement.
$82.92
+$2.93 (+3.66%)
EOD Aug 14, 2026
15.24% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 8.9% YoY. However, net income declined 13%, rising credit provisions or expenses may be eating into the top line.
Net income declined 13% YoY, profitability momentum has weakened.
13.6x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$30M
▲ +8.9% YoY
Net Income (TTM)
$5M
▼ -13.3% YoY
Net Margin
15.24%
P/E
13.6x
Balance Sheet
Total Assets
$929M
Equity
$71M
Total Debt
$82M
Cash & Equiv.
$28M
3Y CAGR: +5.2%
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At a P/E of 13.6 and a price-to-free-cash-flow of 30.0, Ballston Spa Bancorp (BSPA) trades above a two-stage DCF intrinsic value of about $-24.30 per share, so at $82.92 the stock looks overvalued (129.3% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Ballston Spa Bancorp scores 70/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.6%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $-24.30 per share for BSPA, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $-18.22. At today's $82.92, that puts the stock about 129.3% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Ballston Spa Bancorp scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Ballston Spa Bancorp pays a regular dividend of about $1.32 per share per year (typically in quarterly installments), a yield of roughly 1.6% at the current price. That is a payout ratio of about 21.6% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BSPA's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. BSPA currently trades above its estimated intrinsic value and scores 70/100 on quality (solid). It also yields about 1.6%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.