Ballston Spa Bancorp, Inc.
BSPA · OTC
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $43,499 | $35,685 | $27,840 | $26,441 |
| % Growth | 21.9% | 28.2% | 5.3% | – |
| Cost of Goods Sold | $16,161 | $10,852 | $2,708 | $1,918 |
| Gross Profit | $27,338 | $24,833 | $25,132 | $24,523 |
| % Margin | 62.8% | 69.6% | 90.3% | 92.7% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $1,210 | $836 | $918 | $603 |
| SG&A Expenses | $1,502 | $1,277 | $1,291 | $958 |
| Sales & Mktg Exp. | $292 | $441 | $373 | $355 |
| Other Operating Expenses | $19,374 | $17,939 | $16,640 | $16,897 |
| Operating Expenses | $20,876 | $19,216 | $17,931 | $17,855 |
| Operating Income | $6,462 | $5,617 | $7,201 | $6,668 |
| % Margin | 14.9% | 15.7% | 25.9% | 25.2% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $6,462 | $5,617 | $7,201 | $6,668 |
| Tax Expense | $1,228 | $834 | $1,108 | $1,514 |
| Net Income | $5,234 | $4,783 | $6,093 | $5,145 |
| % Margin | 12% | 13.4% | 21.9% | 19.5% |
| EPS | 7.05 | 6.44 | 8.2 | 6.94 |
| % Growth | 9.5% | -21.5% | 18.2% | – |
| EPS Diluted | 7.05 | 6.44 | 8.2 | 6.94 |
| Weighted Avg Shares Out | 743 | 743 | 743 | 743 |
| Weighted Avg Shares Out Dil | 743 | 743 | 743 | 743 |
| Supplemental Information | – | – | – | – |
| Interest Income | $39,986 | $34,247 | $25,611 | $22,908 |
| Interest Expense | $16,161 | $10,852 | $2,708 | $1,918 |
| Depreciation & Amortization | $591 | $582 | $578 | $702 |
| EBITDA | $7,053 | $6,199 | $7,779 | $7,370 |
| % Margin | 16.2% | 17.4% | 27.9% | 27.9% |