BSPA (Ballston SpA Bancorp) Growth Rank: 2 (As of Aug. 06, 2026) — Near Median

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BSPA Ballston SpA Bancorp Inc BSPA
56 GF Score
Price $78.19
GF Value $68.29
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Ballston SpA Bancorp Growth Rank?

Ballston SpA Bancorp BSPA -0.08% 56 Growth Rank is 2 as of Aug. 06, 2026, which is at its 10-year median of 2.00. GuruFocus rates BSPA with a GF Score™ of 56/100 and a GF Value™ of $68.29 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Ballston SpA Bancorp has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Ballston SpA Bancorp Growth Rank Related Terms

BSPA vs GVYB, CIZN, MBKL: Growth Rank Comparison

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

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

* The bar in red indicates where Ballston SpA Bancorp's Growth Rank falls into.


BSPA
56GF Score
Ballston SpA Bancorp Inc BSPA
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Ballston SpA Bancorp (BSPA) has a Growth Rank of 2 as of Aug. 06, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Ballston SpA Bancorp and its competitors. This is near median its historical median of 2.00. Over the past decade, Ballston SpA Bancorp's Growth Rank has ranged from 1.00 to 3.00.
Is Ballston SpA Bancorp's Growth Rank too high?
Ballston SpA Bancorp's current Growth Rank of 2 is near median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 3.00. Overall, Ballston SpA Bancorp has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ballston SpA Bancorp's Growth Rank compare to GVYB and CIZN?
Ballston SpA Bancorp's Growth Rank of 2 can be compared against companies in the Banks industry. Historically, Ballston SpA Bancorp's own Growth Rank has ranged from 1.00 to 3.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Ballston SpA Bancorp and its competitors. Ballston SpA Bancorp's current Growth Rank is 2, which is near median its own 10-year median of 2.00. 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 $68.29, compared to a current price of $78.19 — trading 14.5% above its estimated fair value. The current Growth Rank is 2, which is near median its 10-year median of 2.00. Ballston SpA Bancorp's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Growth Rank is 2 as of Aug. 06, 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 $78.19 is trading 14.5% above its estimated GF Value™ of $68.29. GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.

Key valuation signals for BSPA:

  • Growth Rank: 2 (near median its 10-year median of 2.00)
  • GF Value™: $68.29 vs. price of $78.19 (14.5% above fair value)
  • GF Score™: 56/100 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.
56GF Score

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

$78.19
Price
$68.29
GF Value