Ballston Spa Bancorp Stock Net Income
| BSPA Stock | USD 71.25 2.90 4.24% |
As of the 12th of February 2026, Ballston Spa shows the Risk Adjusted Performance of (0.02), mean deviation of 0.6657, and Standard Deviation of 2.3. Ballston Spa Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Ballston Spa's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Ballston Spa's valuation are provided below:Ballston Spa Bancorp does not presently have any fundamental signals for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Ballston |
Ballston Spa 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Ballston Spa's pink sheet what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Ballston Spa.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in Ballston Spa on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding Ballston Spa Bancorp or generate 0.0% return on investment in Ballston Spa over 90 days. Ballston Spa is related to or competes with SVB T, Merchants Marine, First Bankers, Chino Commercial, First Resource, Golden State, and Citizens Financial. Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking... More
Ballston Spa Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Ballston Spa's pink sheet current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Ballston Spa Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.08) | |||
| Maximum Drawdown | 14.71 | |||
| Value At Risk | (0.46) | |||
| Potential Upside | 1.26 |
Ballston Spa Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Ballston Spa's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Ballston Spa's standard deviation. In reality, there are many statistical measures that can use Ballston Spa historical prices to predict the future Ballston Spa's volatility.| Risk Adjusted Performance | (0.02) | |||
| Jensen Alpha | (0.09) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (2.63) |
Ballston Spa February 12, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.02) | |||
| Market Risk Adjusted Performance | (2.62) | |||
| Mean Deviation | 0.6657 | |||
| Coefficient Of Variation | (2,880) | |||
| Standard Deviation | 2.3 | |||
| Variance | 5.3 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.09) | |||
| Total Risk Alpha | (0.36) | |||
| Treynor Ratio | (2.63) | |||
| Maximum Drawdown | 14.71 | |||
| Value At Risk | (0.46) | |||
| Potential Upside | 1.26 | |||
| Skewness | (3.56) | |||
| Kurtosis | 27.98 |
Ballston Spa Bancorp Backtested Returns
At this point, Ballston Spa is very steady. Ballston Spa Bancorp secures Sharpe Ratio (or Efficiency) of 0.0782, which signifies that the company had a 0.0782 % return per unit of risk over the last 3 months. We have found twenty-one technical indicators for Ballston Spa Bancorp, which you can use to evaluate the volatility of the firm. Please confirm Ballston Spa's Standard Deviation of 2.3, risk adjusted performance of (0.02), and Mean Deviation of 0.6657 to double-check if the risk estimate we provide is consistent with the expected return of 0.11%. Ballston Spa has a performance score of 6 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.0342, which signifies not very significant fluctuations relative to the market. As returns on the market increase, Ballston Spa's returns are expected to increase less than the market. However, during the bear market, the loss of holding Ballston Spa is expected to be smaller as well. Ballston Spa Bancorp right now shows a risk of 1.44%. Please confirm Ballston Spa Bancorp potential upside, and the relationship between the jensen alpha and daily balance of power , to decide if Ballston Spa Bancorp will be following its price patterns.
Auto-correlation | 0.20 |
Weak predictability
Ballston Spa Bancorp has weak predictability. Overlapping area represents the amount of predictability between Ballston Spa time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Ballston Spa Bancorp price movement. The serial correlation of 0.2 indicates that over 20.0% of current Ballston Spa price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.2 | |
| Spearman Rank Test | 0.75 | |
| Residual Average | 0.0 | |
| Price Variance | 0.08 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Ballston Spa Bancorp reported net income of 5.15 M. This is 99.6% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The net income for all United States stocks is 99.1% higher than that of the company.
Ballston Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Ballston Spa's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the pink sheets which would be a good addition to a portfolio. Peer analysis of Ballston Spa could also be used in its relative valuation, which is a method of valuing Ballston Spa by comparing valuation metrics of similar companies.Ballston Spa is currently under evaluation in net income category among its peers.
Ballston Fundamentals
| Return On Equity | 0.12 | |||
| Return On Asset | 0.0074 | |||
| Profit Margin | 0.23 % | |||
| Operating Margin | 0.30 % | |||
| Current Valuation | 61.81 M | |||
| Shares Owned By Institutions | 2.36 % | |||
| Price To Earning | 8.73 X | |||
| Price To Sales | 0.91 X | |||
| Revenue | 24.58 M | |||
| Gross Profit | 24.7 M | |||
| Net Income | 5.15 M | |||
| Cash And Equivalents | 9.95 M | |||
| Cash Per Share | 13.39 X | |||
| Total Debt | 22.91 M | |||
| Book Value Per Share | 67.92 X | |||
| Cash Flow From Operations | 7.48 M | |||
| Earnings Per Share | 6.97 X | |||
| Beta | -0.24 | |||
| Market Capitalization | 22.33 M | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 2.69 % |
About Ballston Spa Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Ballston Spa Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Ballston Spa using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Ballston Spa Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.Other Information on Investing in Ballston Pink Sheet
Ballston Spa financial ratios help investors to determine whether Ballston Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Ballston with respect to the benefits of owning Ballston Spa security.