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Ballston SpA BancorpBSPA +1.48%61 5-Year Yield-on-Cost % is 1.69 as of Jul. 31, 2026, which is 25% below its 10-year median of 2.25. 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 1,251 Banks companies, Ballston SpA Bancorp ranks worse than 85.13% on this metric.
Ballston SpA Bancorp's yield on cost for the quarter that ended in Dec. 2025 was 1.69.
The historical rank and industry rank for Ballston SpA Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
BSPA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6 Med: 2.25 Max: 2.81
Current: 1.69
During the past 11 years, Ballston SpA Bancorp's highest Yield on Cost was 2.81. The lowest was 0.60. And the median was 2.25.
BSPA's 5-Year Yield-on-Cost % is ranked worse than 85.13% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs BSPA: 1.69
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ballston SpA Bancorp 5-Year Yield-on-Cost % Related Terms
BSPA vs GVYB, CIZN, MBKL: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Ballston SpA Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Ballston SpA Bancorp (BSPA) has a 5-Year Yield-on-Cost % of 1.69 as of Jul. 31, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ballston SpA Bancorp and its competitors. This is 25% below median its historical median of 2.25. Over the past decade, Ballston SpA Bancorp's 5-Year Yield-on-Cost % has ranged from 0.60 to 2.81. According to the industry distribution chart, Ballston SpA Bancorp ranks #1065 out of 1251 companies in the Banks industry, placing it in the top 85.1%.
Is Ballston SpA Bancorp's 5-Year Yield-on-Cost % too high?
Ballston SpA Bancorp's current 5-Year Yield-on-Cost % of 1.69 is 25% below median its 10-year median of 2.25. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 2.81. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Ballston SpA Bancorp's value of 1.69 is 56% below this industry median. Based on the distribution chart, Ballston SpA Bancorp ranks #1065 out of 1251 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to GVYB and CIZN?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #1065 out of 1251 companies for 5-Year Yield-on-Cost %. This places Ballston SpA Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Ballston SpA Bancorp's value of 1.69 is 56% below this benchmark. Historically, Ballston SpA Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.60 to 2.81 over the past decade. While the company's 10-year median is 2.25 vs. the industry median of 3.84, Ballston SpA Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ballston SpA Bancorp's current 5-Year Yield-on-Cost % of 1.69 is 56% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current 5-Year Yield-on-Cost % is 1.69, which is 25% below median its own 10-year median of 2.25. 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 5-Year Yield-on-Cost % is 1.69, which is 25% below median its 10-year median of 2.25 and 56% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current 5-Year Yield-on-Cost % is 1.69 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:
5-Year Yield-on-Cost %: 1.69 (25% below median its 10-year median of 2.25)
GF Value™: $68.23 vs. price of $78.25 (14.7% above fair value)
Industry Position: 56% below the Banks median (#1065 of 1251)
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
Get the complete analysis for BSPA
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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