BSPA (Ballston SpA Bancorp) 3-Year ROIIC %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 3-Year ROIIC %?

3-Year ROIIC % does not apply to banks.

BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
3-Year ROIIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • 3-Year ROIIC %:
  • 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

3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.25
Price
$68.23
GF Value