Ballston Spa Bancorp, Inc.
BSPA · OTC
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $11,926 | $11,336 | $11,104 | $11,383 |
| % Growth | 5.2% | 2.1% | -2.5% | – |
| Cost of Goods Sold | $4,507 | $4,196 | $3,953 | $4,347 |
| Gross Profit | $7,419 | $7,140 | $7,151 | $7,036 |
| % Margin | 62.2% | 63% | 64.4% | 61.8% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $210 | $167 | $256 | $646 |
| SG&A Expenses | $321 | $281 | $370 | $605 |
| Sales & Mktg Exp. | $111 | $114 | $114 | -$41 |
| Other Operating Expenses | $5,311 | $5,334 | $5,175 | $4,842 |
| Operating Expenses | $5,632 | $5,615 | $5,545 | $5,447 |
| Operating Income | $1,787 | $1,525 | $1,606 | $1,589 |
| % Margin | 15% | 13.5% | 14.5% | 14% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $1,787 | $1,525 | $1,606 | $1,589 |
| Tax Expense | $339 | $290 | $305 | $302 |
| Net Income | $1,448 | $1,235 | $1,301 | $1,287 |
| % Margin | 12.1% | 10.9% | 11.7% | 11.3% |
| EPS | 1.95 | 1.66 | 1.75 | 1.73 |
| % Growth | 17.5% | -5.1% | 1.2% | – |
| EPS Diluted | 1.95 | 1.66 | 1.75 | 1.73 |
| Weighted Avg Shares Out | 743 | 743 | 743 | 743 |
| Weighted Avg Shares Out Dil | 743 | 743 | 743 | 743 |
| Supplemental Information | – | – | – | – |
| Interest Income | $11,026 | $10,493 | $10,378 | $10,433 |
| Interest Expense | $4,507 | $4,196 | $3,953 | $4,347 |
| Depreciation & Amortization | $0 | $0 | $0 | $0 |
| EBITDA | $1,787 | $1,525 | $1,606 | $1,589 |
| % Margin | 15% | 13.5% | 14.5% | 14% |