BSPA (Ballston SpA Bancorp) EPS (Basic): $6.11 (TTM As of Dec. 2025)

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BSPA Ballston SpA Bancorp Inc BSPA
61 GF Score
Price $78.25
GF Value $68.23
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Ballston SpA Bancorp EPS (Basic)?

Ballston SpA Bancorp BSPA +1.48% 61 EPS (Basic) is $6.11 as of Dec. 2025. GuruFocus rates BSPA with a GF Score™ of 61/100 and a GF Value™ of $68.23 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Ballston SpA Bancorp's basic earnings per share (Basic EPS) for the three months ended in Dec. 2025 was $0.75. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.11.

Ballston SpA Bancorp's EPS (Diluted) for the three months ended in Dec. 2025 was $0.75. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.11.

Ballston SpA Bancorp's EPS without NRI for the three months ended in Dec. 2025 was $0.75. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 6.11.

During the past 12 months, Ballston SpA Bancorp's average EPS without NRIGrowth Rate was 12.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was -1.70% per year. During the past 5 years, the average EPS without NRI Growth Rate was 2.00% per year. During the past 10 years, the average EPS without NRI Growth Rate was 30.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 11 years, Ballston SpA Bancorp's highest 3-Year average EPS without NRI Growth Rate was 81.60% per year. The lowest was -1.70% per year. And the median was 36.55% per year.

Ballston SpA Bancorp  (OTCPK:BSPA) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Ballston SpA Bancorp EPS (Basic) Related Terms

Ballston SpA Bancorp EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Ballston SpA Bancorp's EPS (Basic) 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 EPS (Basic) Chart

Ballston SpA Bancorp Annual Data
Trend Dec03 Dec04 Dec05 Dec06 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.94 8.20 6.44 6.91 6.11

Ballston SpA Bancorp Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EPS (Basic) 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 1.60 1.75 1.66 1.95 0.75
BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Ballston SpA Bancorp EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Ballston SpA Bancorp's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.539-0)/0.743
=6.11

Ballston SpA Bancorp's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(0.555-0)/0.741
=0.75

EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.11

* 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 EPS (Basic) →
What does a EPS (Basic) of $6.11 mean?
Ballston SpA Bancorp (BSPA) has a EPS (Basic) of $6.11 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Ballston SpA Bancorp and its competitors.
Is Ballston SpA Bancorp's EPS (Basic) too high?
Ballston SpA Bancorp's current EPS (Basic) is $6.11. 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 EPS (Basic) compare to GVYB and CIZN?
Ballston SpA Bancorp's EPS (Basic) of $6.11 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Ballston SpA Bancorp and its competitors. Ballston SpA Bancorp's current EPS (Basic) is $6.11. 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 $68.23, compared to a current price of $78.25 — trading 14.7% above its estimated fair value. The current EPS (Basic) is $6.11. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current EPS (Basic) is $6.11 as of Dec. 2025. 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 $78.25 is trading 14.7% above its estimated GF Value™ of $68.23. GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.

Key valuation signals for BSPA:

  • EPS (Basic): $6.11
  • GF Value™: $68.23 vs. price of $78.25 (14.7% 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

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.25
Price
$68.23
GF Value