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AI 90-DAY FORECAST
BEARISH SIGNAL DETECTED · Alpha
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Ballston Spa Bancorp, Inc. (BSPA) AI Forecast

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Ballston Spa Bancorp, Inc. (BSPA) Stock Forecast Sept. 17, 2026

Ballston Spa Bancorp, Inc. (BSPA) AI Stock Price Forecast & Investment Analysis

Ballston Spa Bancorp, Inc. Stock Price Chart and Technical Analysis

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Ballston Spa Bancorp, Inc. (BSPA) - Comprehensive Stock Analysis & Investment Research

Deep dive into Ballston Spa Bancorp, Inc.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on September 17, 2026, 8:23 p.m. (UTC)

Ballston Spa Bancorp, Inc. Investment Summary

When evaluating whether Ballston Spa Bancorp, Inc. (BSPA) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Ballston Spa Bancorp, Inc. (BSPA) operates within the Finance sector, specifically in the State Commercial Banks industry. . With a market capitalization of $88 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Ballston Spa Bancorp, Inc.'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Ballston Spa Bancorp, Inc. along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Ballston Spa Bancorp, Inc. is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Ballston Spa Bancorp, Inc. (Stock Symbol: BSPA) is a prominent company operating within the Finance sector, with a specific focus on the State Commercial Banks industry. The company's shares are publicly traded on the OTC exchange.

Leadership & Workforce

Detailed information about Ballston Spa Bancorp, Inc.'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Ballston Spa Bancorp, Inc....

Sector & Industry Analysis

In-depth sector dynamics and industry context for Ballston Spa Bancorp, Inc....

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Revenue & Growth Analysis
Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Ballston Spa Bancorp, Inc....

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Ballston Spa Bancorp, Inc....

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Ballston Spa Bancorp, Inc....

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Strategic Market Position

Ballston Spa Bancorp, Inc. strategically competes in the highly dynamic State Commercial Banks marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Ballston Spa Bancorp, Inc. competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency
Financial Strength & Leverage

Ballston Spa Bancorp, Inc. (BSPA) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Ballston Spa Bancorp, Inc. stock analysis.

Deep dive into Ballston Spa Bancorp, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Ballston Spa Bancorp, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Ballston Spa Bancorp, Inc.:

P/B Ratio 0.93x
Market Cap $88M
Book Value/Share $86.26
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Ballston Spa Bancorp, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Ballston Spa Bancorp, Inc.:

Understanding Financial Health Metrics

What these metrics mean: These ratios assess Ballston Spa Bancorp, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Ballston Spa Bancorp, Inc.:

D/E Ratio 13.38x
Financial Leverage 14.38x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Ballston Spa Bancorp, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Ballston Spa Bancorp, Inc.:

Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Ballston Spa Bancorp, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Ballston Spa Bancorp, Inc.:

Understanding Financial Statement Data

What these metrics mean: Key figures from Ballston Spa Bancorp, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Ballston Spa Bancorp, Inc.:

Income Statement
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 93%
Total Liabilities 1270%
Dividend & Shareholder Information
Shares Outstanding 1M

Latest Ballston Spa Bancorp, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Ballston Spa Bancorp, Inc. (BSPA) stock price and investment outlook.

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Where BSPA sits on the market map

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Ballston Spa Bancorp, Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of Ballston Spa Bancorp, Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast (Alpha) Market Cap (USD M) P/E Ratio P/B Ratio
ABCB ██% $5.57B 14.8x 1.4x
ACNB ██% $656M 12.0x 1.6x
ALLY ██% $12.26B 8.4x 0.8x
AMAL ██% $1.39B 12.3x 1.7x
ASB ██% $5.62B 11.1x 1.0x
AUB ██% $5.59B 11.5x 1.1x
AUBN ██% $91M 10.9x 1.0x
AVBH ██% $344M x 1.2x
BAFN ██% $249M x 2.2x
BANR ██% $2.42B 11.6x 3.6x
BBD ██% N/A x x
BCML ██% $328M 25.1x 1.0x
BFST ██% $1.01B 10.8x 1.0x
BHB ██% $678M 13.7x 1.2x
BKSC ██% $105M 10.5x 2.5x
BMRC ██% $450M x 1.1x
BNS ██% $114.81B x x
BOH ██% $2.95B 12.5x 1.6x
BOTJ ██% $124M 10.8x 1.5x
BPOP ██% $10.27B 10.6x 1.6x
BPRN ██% $293M 11.3x 1.1x
BRBS ██% $353M 37.6x 1.3x
BSPA ██% $88M x 0.9x
BSRR ██% $526M 11.7x 1.4x
BSVN ██% $518M 12.3x 1.9x
BUSE ██% $2.50B 10.8x 1.1x
BWB ██% $582M 10.3x 1.1x
BWFG ██% $532M 12.4x 1.6x
BY ██% $1.70B 11.4x 1.3x
CATY ██% $4.14B 11.9x 1.4x
CBAN ██% $447M 13.7x 1.2x
CBC ██% $7.68B 17.9x 2.0x
CBFV ██% $189M 26.2x 1.2x
CBK ██% $451M 7.9x 1.5x
CBSH ██% $8.22B 14.1x 3.3x
CCB ██% $694M x 1.5x
CCBG ██% $857M 14.2x 1.5x
CCFN ██% $324M 11.4x 1.6x
CCNE ██% $1.01B 10.5x 1.2x
CFFI ██% $308M 10.6x 1.1x
CFG ██% $28.15B 13.2x 1.1x
CHMG ██% $403M 12.0x 1.5x
CIVB ██% $565M 10.4x 1.4x
CIZN ██% N/A x x
CNOB ██% $1.71B 10.7x 1.1x
COFS ██% $499M 9.1x 1.0x
COLB ██% $8.41B 11.8x 1.1x
COSO ██% $326M 10.0x 1.2x
CPF ██% $967M 11.7x 1.6x
CSBB ██% $200M 13.1x 1.5x
CTBI ██% $1.38B 12.8x 1.6x
CUBI ██% $2.64B 9.1x 1.2x
CVBF ██% $4.00B 19.3x 1.3x
CZFS ██% $391M 9.5x 1.5x
CZNC ██% $466M 18.6x 1.4x
DAAQ ██% $241M 42.6x x
DB ██% $72.99B x x
EBMT ██% $175M 10.9x 0.9x
EFSC ██% $2.25B 11.8x 1.1x
EFSI ██% $248M 13.3x 1.3x
EGBN ██% $861M x 0.8x
EMYB ██% $164M 10.8x 1.3x
EQBK ██% $1.01B 28.3x 1.2x
EWBC ██% $17.29B 12.0x 1.9x
FBIZ ██% $600M 10.8x 1.5x
FBK ██% $2.71B 13.8x 1.4x
FBNC ██% $2.59B 19.4x 1.5x
FBP ██% $4.22B 11.3x 2.1x
FCBC ██% $887M 15.0x 1.7x
FCCO ██% $316M 13.7x 1.4x
FCNCA ██% $23.71B 10.1x 1.1x
FFIN ██% $4.78B 17.8x 4.5x
FHB ██% $3.12B 10.9x 1.1x
FIBK ██% $3.52B 10.9x 1.1x
FITB ██% $47.53B 20.3x 1.4x
FKYS ██% $119M 15.1x 1.0x
FMBH ██% $1.33B 13.3x 1.2x
FMBM ██% $145M 10.0x 1.3x
FMNB ██% $929M 14.0x 1.2x
FOTB ██% N/A x x
FRAF ██% $286M 11.6x 1.6x
FRBT ██% N/A x x
FRST ██% $391M 5.2x 0.9x
FSBC ██% $1.11B 15.4x 2.3x
FUSB ██% $91M 11.7x 0.9x
FVCB ██% $326M 12.6x 1.2x
FXNC ██% $279M 12.9x 1.4x
GABC ██% $1.85B 13.0x 1.5x
GBCI ██% $5.85B 18.8x 1.4x
GBFH ██% $285M 15.4x 1.7x
GLBZ ██% $13M 151.4x 0.7x
GSBC ██% $863M 12.8x 1.3x
HBIA ██% $814M 10.8x 1.5x
HBNC ██% $1.00B x 1.4x
HBT ██% $1.31B 16.9x 1.7x
HNVR ██% $187M 19.7x 0.9x
HOMB ██% $5.95B 12.4x 1.3x
HTH ██% $2.22B 13.7x 1.0x
HWC ██% $5.98B 14.0x 1.4x
IBCP ██% $810M 11.3x 1.5x
IBOC ██% $4.41B 10.7x 1.3x
INBK ██% $241M x 0.7x
INDB ██% $3.91B 14.4x 1.1x
ISBA ██% $291M 14.6x 1.2x
ISTR ██% $418M 12.4x 1.0x
JMSB ██% $326M 13.3x 1.2x
LKFN ██% $1.49B 13.4x 1.9x
LOB ██% $1.77B x 1.4x
MBIN ██% $2.42B 9.0x 1.0x
MBWM ██% $1.05B 11.0x 1.4x
MCB ██% $1.11B 12.8x 1.2x
MCBS ██% $1.01B 12.7x 1.8x
MCHB ██% N/A x x
MNSB ██% $178M 10.3x 0.8x
MPB ██% $934M 13.7x 1.0x
MSBI ██% $692M x 1.2x
MTB ██% $32.64B 10.8x 1.2x
MVBF ██% $401M 36.8x 1.2x
NPB ██% $576M 6.4x 0.9x
NTRS ██% $32.32B 14.4x 2.4x
NWFL ██% $380M 13.2x 1.8x
NWPP ██% $113M 9.3x 1.3x
OBK ██% $1.65B 16.6x 2.6x
OBNK ██% N/A x x
OBT ██% $513M 10.8x 1.7x
OFG ██% $2.22B 10.1x 1.6x
OPBK ██% $230M 7.9x 1.0x
ORRF ██% $826M 9.6x 1.3x
OSBC ██% $1.27B 13.8x 1.4x
OSBK ██% $55M x 2.4x
OVBC ██% $211M 14.9x 1.2x
OVLY ██% $289M 12.3x 1.3x
PB ██% $8.45B 15.0x 1.0x
PBHC ██% $106M 740.7x 0.9x
PCB ██% $390M 9.3x 1.0x
PEBK ██% $241M 12.1x 1.5x
PEBO ██% $1.42B 12.1x 1.7x
PFBX ██% $111M 29.9x 1.1x
PKBK ██% $405M 8.9x 1.2x
QCRH ██% $1.65B 11.7x 1.4x
QNBC ██% $223M 16.7x 1.2x
RBB ██% $451M 10.2x 0.8x
RBCAA ██% $1.85B 14.4x 1.6x
RMBI ██% $265M 22.0x 1.8x
RNST ██% $3.70B 11.8x 1.0x
RRBI ██% $670M 14.6x 1.7x
SBCF ██% $3.27B 20.2x 1.2x
SBFG ██% $183M 10.9x 1.5x
SBSI ██% $945M 12.4x 1.1x
SFBS ██% $4.51B 14.1x 2.3x
SFDL ██% $126M 9.2x 0.6x
SLBK ██% $163M 9.0x 1.4x
SPFI ██% $822M 12.6x 1.3x
SRCE ██% $2.07B 12.1x 1.6x
SSB ██% $10.07B 10.6x 1.1x
STBA ██% $1.76B 12.5x 1.3x
STLE ██% N/A x x
STT ██% $50.24B 14.5x 1.8x
SYBT ██% $2.46B 16.4x 2.0x
TCBI ██% $4.14B 11.4x 1.1x
TCBK ██% $1.71B 12.6x 1.3x
TFIN ██% $1.52B 39.3x 1.6x
THFF ██% $914M 10.8x 1.4x
TMP ██% $1.40B 8.0x 1.5x
TRST ██% $977M 15.0x 1.5x
TYFG ██% $192M 10.3x 1.2x
UBCP ██% $88M 11.0x 1.2x
UBSI ██% $6.45B 12.5x 1.2x
UCB ██% $4.20B 11.1x 1.1x
UNB ██% $117M 9.6x 1.3x
UNTY ██% $595M 10.2x 1.6x
USCB ██% $424M 14.7x 2.0x
UVSP ██% $1.18B 12.0x 1.2x
UWHR ██% $103M 8.2x 1.5x
WAL ██% $8.49B 8.6x 1.1x
WASH ██% $748M 13.5x 1.4x
WTBA ██% $502M 13.1x 1.8x
WTFC ██% $10.00B 11.1x 1.3x
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Frequently Asked Questions - Ballston Spa Bancorp, Inc. Stock Forecast

How accurate are Ballston Spa Bancorp, Inc. stock predictions?

Our AI model shows a 8500% Spearman correlation coefficient for BSPA predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Ballston Spa Bancorp, Inc. stock price forecasts?

Our analysis considers Ballston Spa Bancorp, Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Ballston Spa Bancorp, Inc. a good investment in 2026?

Based on our AI analysis, Ballston Spa Bancorp, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Ballston Spa Bancorp, Inc. forecasts updated?

Ballston Spa Bancorp, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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