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Ballston SpA BancorpBSPA +1.48%61 Dividend Payout Ratio is 0.44 as of Dec. 2025, which is 110% above its 10-year median of 0.21. 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 1,173 Banks companies, Ballston SpA Bancorp ranks better than 74.34% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Ballston SpA Bancorp's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.44.
The historical rank and industry rank for Ballston SpA Bancorp's Dividend Payout Ratio or its related term are showing as below:
BSPA'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.21 Max: 0.86
Current: 0.22
During the past 11 years, the highest Dividend Payout Ratio of Ballston SpA Bancorp was 0.86. The lowest was 0.16. And the median was 0.21.
BSPA's Dividend Payout Ratio is ranked better than 74.34% of 1173
companies
in the Banks industry
Industry Median: 0.32
vs BSPA: 0.22
During the past 11 years, the highest Trailing Annual Dividend Yield of Ballston SpA Bancorp was 2.81%. The lowest was 0.60%. And the median was 2.25%.
During the past 10 years, the average Dividends Per Share Growth Rate was 5.90% per year.
During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of Ballston SpA Bancorp was 11.20% per year. The lowest was 0.00% per year. And the median was 6.95% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Ballston SpA Bancorp (OTCPK:BSPA) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Ballston SpA Bancorp Dividend Payout Ratio Related Terms
Ballston SpA Bancorp Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Ballston SpA Bancorp's Dividend Payout Ratio 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.
BSPA vs GVYB, CIZN, MBKL: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Ballston SpA Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's Dividend Payout Ratio falls into.
Ballston SpA Bancorp Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Ballston SpA Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (BSPA) has a Dividend Payout Ratio of 0.44 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Ballston SpA Bancorp and its competitors. This is 110% above median its historical median of 0.21. Over the past decade, Ballston SpA Bancorp's Dividend Payout Ratio has ranged from 0.16 to 0.86. According to the industry distribution chart, Ballston SpA Bancorp ranks #301 out of 1173 companies in the Banks industry, placing it in the top 25.7%.
Is Ballston SpA Bancorp's Dividend Payout Ratio too high?
Ballston SpA Bancorp's current Dividend Payout Ratio of 0.44 is 110% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.86. The Banks industry median Dividend Payout Ratio is 0.32. Ballston SpA Bancorp's value of 0.44 is 37.5% above this industry median. Based on the distribution chart, Ballston SpA Bancorp ranks #301 out of 1173 companies in the Banks industry, which is above the industry midpoint. 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 Dividend Payout Ratio compare to GVYB and CIZN?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #301 out of 1173 companies for Dividend Payout Ratio. This puts Ballston SpA Bancorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Ballston SpA Bancorp's value of 0.44 is 37.5% above this benchmark. Historically, Ballston SpA Bancorp's own Dividend Payout Ratio has ranged from 0.16 to 0.86 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.32, Ballston SpA Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ballston SpA Bancorp's current Dividend Payout Ratio of 0.44 is 37.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current Dividend Payout Ratio is 0.44, which is 110% above median its own 10-year median of 0.21. 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 Dividend Payout Ratio is 0.44, which is 110% above median its 10-year median of 0.21 and 37.5% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Dividend Payout Ratio is 0.44 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:
Dividend Payout Ratio: 0.44 (110% above median its 10-year median of 0.21)
GF Value™: $68.23 vs. price of $78.25 (14.7% above fair value)
Industry Position: 37.5% above the Banks median (#301 of 1173)
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 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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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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