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Commentary (9 Apr 2024 @ 12:04):

Stats
Today's Volume	360.00
Average Volume	41.00
Market Cap	39.38M
Last Dividend	$0.330 ( 2023-09-01 )
Next Dividend	$0 ( N/A )
P/E	7.61
ATR14	$0 (0.00%)

Ballston Spa Bancorp, Correlation

10 Most Positive Correlations

10 Most Negative Correlations

Did You Know?

Correlation is a statistical measure that describes the relationship between two variables. It ranges from -1 to 1, where -1 indicates a perfect negative correlation (as one variable increases, the other decreases), 1 indicates a perfect positive correlation (as one variable increases, the other increases), and 0 indicates no correlation (there is no relationship between the variables).

Correlation can be used to analyze the relationship between any two variables, not just stocks. It's commonly used in fields such as finance, economics, psychology, and more.

Ballston Spa Bancorp, Financials

Annual	2023
Revenue:	$36.14M
Gross Profit:	$36.14M (100.00 %)
EPS:	$6.44

FY	2023
Revenue:	$36.14M
Gross Profit:	$36.14M (100.00 %)
EPS:	$6.44

FY	2022
Revenue:	$28.28M
Gross Profit:	$28.28M (100.00 %)
EPS:	$8.20

Financial Reports:

No articles found.

Ballston Spa Bancorp, Dividends

(Q3/22)	(Q4/22)	(Q1/23)	(Q2/23)	(Q3/23)	(Q4/23)	(Q1/24)	(Q2/24)	(Q3/24)	(Q4/24)
$0.330 (N/A)	$0.330 (N/A)	$0.330 (N/A)	$0.330 (N/A)	$0.330 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)	$0 (N/A)

Ballston Spa Bancorp, Dividend Information - Ex Dividend Knight

Dividend Sustainability Score: 4.21 - low (40.07%) | Divividend Growth Potential Score: 2.65 - Decrease likely (47.02%)

Very Unsafe

High risk of being cut

Unsafe

Heightened risk of being cut

Borderline

Moderate risk of being cut

Safe

Unlikely to be cut

Very Safe

Very unlikely to be cut

Information

First Dividend	$0.180	2000-12-20
Last Dividend	$0.330	2023-09-01
Next Dividend	$0	N/A
Payout Date	2023-10-02
Next Payout Date	N/A
# dividends	90	--
Total Paid Out	$25.72	--
Avg. Dividend % Per Year	0.00%	--
Score	3.43	--
Div. Sustainability Score	4.21
Div.Growth Potential Score	2.65
Div. Directional Score	3.43	--

Next Divdend (Est)
(2024-07-29)

$0.334 Estimate 21.77 %

Dividend Stability

0.58 Average

Dividend Score

3.43

Pay Frequency

Quarterly

Yearly Payout

Year	Amount	Yield

Dividend Commentary

The company's low Dividend Sustainability Score (DSS) highlights potential challenges in upholding its current dividend levels. Unfortunately, its low Dividend Growth Potential Score (DGPS) suggests limited prospects for dividend growth. In conclusion, a more vigilant stance is recommended given the company's tentative dividend landscape.

Top 10 dividend Companies for OTC

Symbol	Title	Last dividend	Frequency	Yearly Dividend
TPDKY	Ex Dividend Junior	2023-04-27	Annually	0.00%
JAIRF	Ex Dividend Junior	2023-09-28	Annually	0.00%
BKUTK	Ex Dividend Junior	2023-06-29	Semi-Annually	0.00%
QBIEY	Ex Dividend Knight	2023-08-21	Annually	0.00%
EVSBY	Ex Dividend Knight	2023-05-24	Annually	0.00%
UUGRY	Ex Dividend Junior	2023-06-22	Semi-Annually	0.00%
KWHIF	No Dividend Player	2023-09-28	Annually	0.00%
CHDRY	Ex Dividend Knight	2023-12-04	Semi-Annually	0.00%
SCGLY	Ex Dividend Junior	2023-05-25	Annually	0.00%
FWONB	Ex Dividend Junior	2023-07-20	Insufficient data to determine frequency	0.00%

Dividend Sustainability Score (DSS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
netProfitMarginTTM	0.129	1.500	7.42	10.00	[0 - 0.5]
returnOnAssetsTTM	0.00581	1.200	9.81	10.00	[0 - 0.3]
returnOnEquityTTM	0.0842	1.500	-0.175	-0.263	[0.1 - 1]
payoutRatioTTM	0	-1.000	0	0	[0 - 1]
currentRatioTTM	0.0512	0.800	-4.74	-3.80	[1 - 3]
quickRatioTTM	0.0459	0.800	-4.44	-3.55	[0.8 - 2.5]
cashRatioTTM	0.0459	1.500	-0.856	-1.284	[0.2 - 2]
debtRatioTTM	0.0763	-1.500	8.73	-10.00	[0 - 0.6]
interestCoverageTTM	2.36	1.000	-0.236	-0.236	[3 - 30]
operatingCashFlowPerShareTTM	0	2.00	0	0	[0 - 30]
freeCashFlowPerShareTTM	0	2.00	0	0	[0 - 20]
debtEquityRatioTTM	1.050	-1.500	5.80	-8.70	[0 - 2.5]
grossProfitMarginTTM	1.000	1.000	10.00	10.00	[0.2 - 0.8]
operatingProfitMarginTTM	0.170	1.000	8.60	8.60	[0.1 - 0.6]
cashFlowToDebtRatioTTM	0	1.000	-1.111	-1.111	[0.2 - 2]
assetTurnoverTTM	0.0450	0.800	-3.03	-2.43	[0.5 - 2]
Total Score				4.21

Dividend Growth Score (DGS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
peRatioTTM	8.23	1.000	9.27	0	[1 - 100]
returnOnEquityTTM	0.0842	2.50	-0.113	-0.263	[0.1 - 1.5]
freeCashFlowPerShareTTM	0	2.00	0	0	[0 - 30]
dividendYielPercentageTTM	3.11	1.500	10.00	0	[0 - 0.4]
operatingCashFlowPerShareTTM	0	2.00	0	0	[0 - 30]
payoutRatioTTM	0	1.500	0	0	[0 - 1]
pegRatioTTM	2.51	1.500	10.00	0	[0.5 - 2]
operatingCashFlowSalesRatioTTM	0	1.000	-2.50	0	[0.1 - 0.5]
Total Score				2.65

Ballston Spa Bancorp,

Ballston Spa Bancorp, Inc. operates as a holding company for Ballston Spa National Bank that provides a range of banking, financing, fiduciary, brokerage, and other financial services to corporate, municipal, and individual customers in the United States. The company offers checking, savings, money market, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home equity, construction, auto, boat, RV, personal, small business, term, and commercial real estate loans, as well as lines of credit and government programs; and debits and credit cards. It also provides personal investment services, which include annuities, college savings plans, mutual funds, and life and long term care insurance products; investment and asset management; trusteeship; estate settlement; custodial; and wealth management services. In addition, the company offers treasury management services; and merchant and payment processing services, as well as online and mobile banking, eStatements, and mobile wallets. It operates through thirteen branch offices in Ballston Spa, Burnt Hills, Clifton Park, Galway, Greenfield Center, Guilderland, Latham, Malta, Milton Crest, Stillwater, Voorheesville, and Wilton counties. The company was founded in 1838 and is based in Ballston Spa, New York.