BSPA (Ballston SpA Bancorp) Scaled Net Operating Assets: 0.14 (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 Scaled Net Operating Assets?

Ballston SpA Bancorp BSPA +1.48% 61 Scaled Net Operating Assets is 0.14 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ballston SpA Bancorp's operating assets for the quarter that ended in Dec. 2025 was $900.36 Mil. Ballston SpA Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $775.61 Mil. Ballston SpA Bancorp's Total Assets for the quarter that ended in Sep. 2025 was $914.21 Mil. Therefore, Ballston SpA Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.14.

BSPA
61GF Score
Ballston SpA Bancorp Inc BSPA
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Ballston SpA Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ballston SpA Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(900.355-775.612)/896.321
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=928.501 - 28.146
=900.355

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=857.362 - 81.75 - 0
=775.612

Ballston SpA Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(900.355-775.612)/914.206
=0.14

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=928.501 - 28.146
=900.355

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=857.362 - 81.75 - 0
=775.612

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
Ballston SpA Bancorp (BSPA) has a Scaled Net Operating Assets of 0.14 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ballston SpA Bancorp and its competitors.
Is Ballston SpA Bancorp's Scaled Net Operating Assets too high?
Ballston SpA Bancorp's current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets compare to GVYB and CIZN?
Ballston SpA Bancorp's Scaled Net Operating Assets of 0.14 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ballston SpA Bancorp and its competitors. Ballston SpA Bancorp's current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Scaled Net Operating Assets is 0.14 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:

  • Scaled Net Operating Assets: 0.14
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.25
Price
$68.23
GF Value