Financials in USD. Standardized financial statements.
A compact view of how Ballston Spa Bancorp, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $44.18M | $43.50M | $35.69M | $27.84M | $26.44M | $27.37M | $25.65M | $23.59M | $20.11M | $16.86M |
| Revenue Growth? | +1.6% | +21.9% | +28.2% | +5.3% | -3.4% | +6.7% | +8.8% | +17.3% | +19.2% | 0.0% |
| Cost of Revenue? | $17.55M | $16.16M | $10.85M | $2.71M | $1.92M | $2.97M | $0 | $0 | $0 | $0 |
| Gross Profit? | $26.63M | $27.34M | $24.83M | $25.13M | $24.52M | $24.40M | $25.65M | $23.59M | $20.11M | $16.86M |
| Gross Margin? | +60.3% | +62.8% | +69.6% | +90.3% | +92.7% | +89.2% | +100.0% | +100.0% | +100.0% | +100.0% |
| Operating Expenses? | $21.02M | $20.88M | $19.22M | $17.93M | $17.86M | $18.42M | $4.12M | $4.25M | $4.01M | $3.62M |
| Operating Income? | $5.60M | $6.46M | $5.62M | $7.20M | $6.67M | $5.98M | $4.99M | $6.27M | $4.30M | $3.54M |
| EBITDA? | $6.36M | $7.05M | $6.20M | $7.78M | $7.37M | $6.70M | $5.34M | $6.00M | $4.55M | $3.67M |
| Income Before Tax | $5.60M | $6.46M | $5.62M | $7.20M | $6.67M | $5.98M | $4.71M | $5.78M | $3.88M | $3.10M |
| Income Tax Expense | $1.06M | $1.23M | $834,000 | $1.11M | $1.51M | $995,000 | $805,000 | $1.03M | $601,000 | $721,000 |
| Net Income? | $4.54M | $5.23M | $4.78M | $6.09M | $5.14M | $4.99M | $3.90M | $4.75M | $3.28M | $2.38M |
| EPS? | $6.11 | $7.05 | $6.44 | $8.20 | $6.94 | $6.72 | $5.26 | $6.40 | $4.41 | $3.20 |
| Diluted EPS? | $6.11 | $7.05 | $6.44 | $8.20 | $6.94 | $6.72 | $5.26 | $6.40 | $4.41 | $3.20 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality