BSPA (Ballston SpA Bancorp) Moat Score: 4/10 (As of Jul. 31, 2026)

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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 Moat Score?

Ballston SpA Bancorp BSPA +1.48% 61 Moat Score is 4 as of Jul. 31, 2026. 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. Among 1,609 Banks companies, Ballston SpA Bancorp ranks better than 86.26% on this metric.

Ballston SpA Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Ballston SpA Bancorp has Narrow Moat: Ballston SpA Bancorp Inc has a discernible but modest moat due to its regional market presence and some customer loyalty. However, it lacks significant cost advantages, intellectual property, and regulatory barriers, limiting its competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ballston SpA Bancorp might have Narrow Moat - Discernible but modest moat.

Ballston SpA Bancorp  (OTCPK:BSPA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ballston SpA Bancorp Moat Score Related Terms

BSPA vs GVYB, CIZN, MBKL: Moat Score Comparison

For the Banks - Regional subindustry, Ballston SpA Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Ballston SpA Bancorp's Moat Score falls into.


BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Ballston SpA Bancorp (BSPA) has a Moat Score of 4 as of Jul. 31, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ballston SpA Bancorp ranks #221 out of 1609 companies in the Banks industry, placing it in the top 13.7%.
Is Ballston SpA Bancorp's Moat Score too high?
Ballston SpA Bancorp's current Moat Score is 4. Based on the distribution chart, Ballston SpA Bancorp ranks #221 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to GVYB and CIZN?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #221 out of 1609 companies for Moat Score. This places Ballston SpA Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ballston SpA Bancorp's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Moat Score is 4 as of Jul. 31, 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 $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:

  • Moat Score: 4
  • 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

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

$78.25
Price
$68.23
GF Value