BALLSTON SPA BNCRP INC (BSPA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BSPA SEC filings page.
BALLSTON SPA BNCRP INC (BSPA) reported $30.3M in revenue for fiscal year 2025, up 9.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The liability-funded business model is absorbing more capital, while rising revenue has not translated into comparable earnings or free cash flow.
In FY2025, operating cash flow of$4.8M remained close to net income of$4.5M , so reported earnings still largely became operating cash. Yet free cash flow conversion weakened: free cash flow fell61.8% as capital expenditures increased nearly fourfold, leaving reinvestment to absorb much more of the cash generated.
Liabilities represented
Revenue rose
Financial Health Signals
BALLSTON SPA BNCRP INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
BALLSTON SPA BNCRP INC passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, BALLSTON SPA BNCRP INC generates $1.05 in operating cash flow ($4.8M OCF vs $4.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
BALLSTON SPA BNCRP INC generated $12.4M in revenue in Q2 2026. This represents an increase of 70.8% from the same quarter a year earlier. Against the prior quarter it is up 59.7%.
BALLSTON SPA BNCRP INC reported -$711K in net income in Q2 2026. This represents a decrease of 157.6% from the same quarter a year earlier. Against the prior quarter it is down 391.4%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
BALLSTON SPA BNCRP INC generated $498K in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 133.8% from the same quarter a year earlier. Against the prior quarter it is up 135.0%.
BALLSTON SPA BNCRP INC held $93.1M in cash as of Q2 2026; long-term debt is not reported for that period.
BALLSTON SPA BNCRP INC paid $0.33 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
BALLSTON SPA BNCRP INC's net profit margin was -5.7% in Q2 2026, showing the share of revenue converted to profit. This is down 22.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 8.9 percentage points.
BALLSTON SPA BNCRP INC's ROE was -0.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 2.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
BALLSTON SPA BNCRP INC invested $650K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 84.7% from the same quarter a year earlier. Against the prior quarter it is down 22.2%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BSPA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|
| Revenue | $12.4M+70.8% | $7.8M+6.9% | N/A | $7.3M | $7.3M | N/A |
| SG&A Expenses | $5.7M+60.9% | $3.9M+14.4% | N/A | $3.5M | $3.4M | N/A |
| Interest Expense | $6.6M+57.1% | $4.2M+5.1% | N/A | $4.2M | $4.0M | N/A |
| Income Tax | -$405K-239.7% | $233K-23.6% | N/A | $290K | $305K | N/A |
| Net Income | -$711K-157.6% | $244K-81.2% | N/A | $1.2M | $1.3M | N/A |
| EPS (Basic) | -$0.65-139.2% | $0.33-81.1% | N/A | $1.66 | $1.75 | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Diluted), Diluted Shares (Avg).
BSPA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|
| Total Assets | $1.4B | $941.6M | $928.5M+3.6% | N/A | N/A | $896.3M |
| Cash & Equivalents | $93.1M+294.0% | $47.8M+87.6% | $28.1M+9.3% | $23.6M | $25.5M | $25.7M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $2.0M | $1.6M | $1.6M0.0% | N/A | N/A | $1.6M |
| Total Liabilities | $1.3B | $870.9M | $857.4M+3.3% | N/A | N/A | $830.1M |
| Total Equity | $94.9M+37.4% | $70.7M+4.2% | $71.1M+7.4% | $69.1M | $67.8M | $66.2M |
| Retained Earnings | $60.8M | $61.9M | $61.9M+6.1% | N/A | N/A | $58.3M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BSPA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.1M+103.2% | -$588K-209.1% | N/A | $565K | $539K | N/A |
| Depreciation & Amortization | $539K+206.3% | $188K+27.9% | N/A | $176K | $147K | N/A |
| Capital Expenditures | $650K+84.7% | $836K+63.9% | N/A | $352K | $510K | N/A |
| Free Cash Flow | $498K+133.8% | -$1.4M-5010.3% | N/A | $213K | $29K | N/A |
| Investing Cash Flow | $127.5M+962.9% | $6.6M+413.7% | N/A | -$14.8M | -$2.1M | N/A |
| Financing Cash Flow | -$83.3M-774.4% | $13.7M+953.4% | N/A | $12.4M | $1.3M | N/A |
| Dividends Paid | $372K+51.8% | $245K0.0% | N/A | $245K | $245K | N/A |
Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.
BSPA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|
| Net Margin | -5.7%-22.7pp | 3.1%-14.7pp | N/A | 17.0% | 17.9% | N/A |
| Return on Equity | -0.8%-2.5pp | 0.4%-1.6pp | N/A | 1.8% | 1.9% | N/A |
| Return on Assets | -0.1% | 0.0% | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 13.38 | 12.32 | 12.05-0.5x | N/A | N/A | 12.53 |
| Asset Turnover | 0.01 | 0.01 | N/A | N/A | N/A | N/A |
| FCF Margin | 4.0%+1.1pp | -18.3%-18.7pp | N/A | 2.9% | 0.4% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Where BALLSTON SPA BNCRP INC Ranks
Frequently Asked Questions
What is BALLSTON SPA BNCRP INC's annual revenue?
BALLSTON SPA BNCRP INC (BSPA) reported $30.3M in total revenue for fiscal year 2025. This represents a 9.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is BALLSTON SPA BNCRP INC's revenue growing?
BALLSTON SPA BNCRP INC (BSPA) revenue grew by 9.3% year-over-year, from $27.7M to $30.3M in fiscal year 2025.
Is BALLSTON SPA BNCRP INC profitable?
Yes, BALLSTON SPA BNCRP INC (BSPA) reported a net income of $4.5M in fiscal year 2025, with a net profit margin of 15.0%.
What is BALLSTON SPA BNCRP INC's net profit margin?
BALLSTON SPA BNCRP INC (BSPA) had a net profit margin of 15.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does BALLSTON SPA BNCRP INC pay dividends?
Yes, BALLSTON SPA BNCRP INC (BSPA) paid $1.32 per share in dividends during fiscal year 2025.
What is BALLSTON SPA BNCRP INC's return on equity (ROE)?
BALLSTON SPA BNCRP INC (BSPA) has a return on equity of 6.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is BALLSTON SPA BNCRP INC's free cash flow?
BALLSTON SPA BNCRP INC (BSPA) generated $2.1M in free cash flow during fiscal year 2025. This represents a -61.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is BALLSTON SPA BNCRP INC's operating cash flow?
BALLSTON SPA BNCRP INC (BSPA) generated $4.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are BALLSTON SPA BNCRP INC's total assets?
BALLSTON SPA BNCRP INC (BSPA) had $928.5M in total assets as of fiscal year 2025, including both current and long-term assets.
What are BALLSTON SPA BNCRP INC's capital expenditures?
BALLSTON SPA BNCRP INC (BSPA) invested $2.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is BALLSTON SPA BNCRP INC's debt-to-equity ratio?
BALLSTON SPA BNCRP INC (BSPA) had a debt-to-equity ratio of 12.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is BALLSTON SPA BNCRP INC's return on assets (ROA)?
BALLSTON SPA BNCRP INC (BSPA) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is BALLSTON SPA BNCRP INC's P/E ratio?
BALLSTON SPA BNCRP INC (BSPA) trades at 13.1x earnings, its market capitalization divided by net income of $4.5M net income, FY2025. The market capitalization is $59.6M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BALLSTON SPA BNCRP INC's price-to-sales ratio?
BALLSTON SPA BNCRP INC (BSPA) trades at 2.0x sales, its market capitalization divided by revenue of $30.3M revenue, FY2025. The market capitalization is $59.6M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is BALLSTON SPA BNCRP INC's Piotroski F-Score?
BALLSTON SPA BNCRP INC (BSPA) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are BALLSTON SPA BNCRP INC's earnings high quality?
BALLSTON SPA BNCRP INC (BSPA) has an earnings quality ratio of 1.05x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.