BSPA (Ballston SpA Bancorp) Debt-to-Asset : 0.04 (As of Jun. 2026)

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BSPA Ballston SpA Bancorp Inc BSPA
61 GF Score
Price $80.22
GF Value $71.27
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Ballston SpA Bancorp Debt-to-Asset?

Ballston SpA Bancorp BSPA -3.26% 61 Debt-to-Asset is 0.04 as of Jun. 2026. GuruFocus rates BSPA with a GF Score™ of 61/100 and a GF Value™ of $71.27 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Ballston SpA Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.00 Mil. Ballston SpA Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $57.23 Mil. Ballston SpA Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $1,364.60 Mil. Ballston SpA Bancorp's debt to asset for the quarter that ended in Jun. 2026 was 0.04.

Ballston SpA Bancorp  (OTCPK:BSPA) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Ballston SpA Bancorp Debt-to-Asset Related Terms

Ballston SpA Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Ballston SpA Bancorp's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ballston SpA Bancorp Debt-to-Asset Chart

Ballston SpA Bancorp Annual Data
Trend Dec03 Dec04 Dec05 Dec06 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.05 0.08 0.14 0.09

Ballston SpA Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.13 0.03 0.09 0.06 0.04

BSPA vs LSFG, CEFC, HLFN: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Ballston SpA Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Ballston SpA Bancorp Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Ballston SpA Bancorp's Debt-to-Asset falls into.


BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ballston SpA Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Ballston SpA Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(54 + 27.75) / 928.501
=0.09

Ballston SpA Bancorp's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 57.234) / 1364.599
=0.04

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.04 mean?
Ballston SpA Bancorp (BSPA) has a Debt-to-Asset of 0.04 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Ballston SpA Bancorp and its competitors.
Is Ballston SpA Bancorp's Debt-to-Asset too high?
Ballston SpA Bancorp's current Debt-to-Asset is 0.04. Overall, Ballston SpA Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ballston SpA Bancorp's Debt-to-Asset compare to LSFG and CEFC?
Ballston SpA Bancorp's Debt-to-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Ballston SpA Bancorp and its competitors. Ballston SpA Bancorp's current Debt-to-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ballston SpA Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Ballston SpA Bancorp (BSPA) is currently considered Modestly Overvalued. The stock's GF Value™ is $71.27, compared to a current price of $80.22 — trading 12.6% above its estimated fair value. The current Debt-to-Asset is 0.04. Ballston SpA Bancorp's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Debt-to-Asset is 0.04 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Ballston SpA Bancorp (BSPA) Overvalued in 2026?

Based on GuruFocus' analysis, Ballston SpA Bancorp stock appears to be overvalued. The current stock price of $80.22 is trading 12.6% above its estimated GF Value™ of $71.27. GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.

Key valuation signals for BSPA:

  • Debt-to-Asset: 0.04
  • GF Value™: $71.27 vs. price of $80.22 (12.6% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the BSPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ballston SpA Bancorp Business Description

Address 990 State Route 67, Ballston Spa, NY, USA, 12020
Ballston SpA Bancorp Inc is a bank-based financial services company. The parent company's banking subsidiary, Ballston Spa National Bank, is a community-based commercial bank and provides banking, financing, fiduciary, brokerage and other financial services to corporate, municipal, and individual customers through its thirteen branch offices.
61GF Score

Get the complete analysis for BSPA

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.22
Price
$71.27
GF Value