Fairvalue-Calculator Fairvalue-Calculator
EN DE

Ballston Spa Bancorp, Inc (BSPA) Fair Value & Analysis

Financial Services · US · Market cap $55.8M

Price$74.86
Fair Value$79.45
Upside+6.1%
Quality95/100
Evidence: High Range $59.59 – $99.32

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Ballston Spa Bancorp, Inc (BSPA) currently trades at $74.86, while our model-based Fair Value estimate is $79.45 — implying the stock looks roughly 6.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. It offers checking, money market, savings, health savings, and individual retirement accounts, as well as certificates of deposit; loan products, such as mortgage and home construction, improvement, equity, auto, boat, RV, personal, commercial, and small business loans, as well as lines of credit; and debit and credit cards. The company also provides personal investment services, which include annuities, college savings plans, mutual funds; life and long-term care insurance products; retirement plans; college planning services; investment and asset management; trusteeship; estate settlement; special needs and disability trusts; and wealth management services. In addition, the company offers treasury management services; and merchan…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) -20% PT Bank Central Asia Tbk (BBCA) +0% KB Financial Group (105560) +31% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +22%

Frequently asked questions

Is Ballston Spa Bancorp, Inc (BSPA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $79.45 versus a price of $74.86 — about +6% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BSPA?
Our 21-model fair value for Ballston Spa Bancorp, Inc is $79.45 (as of Jun 26, 2026), built from audited fundamentals. The current price is $74.86.
What is the quality score of BSPA?
Ballston Spa Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.