Ballston Spa Bancorp, Inc. (BSPA)

Ballston Spa Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 15, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	47	43	39	45	36	33
Market Cap Growth	25.00%	11.85%	-13.33%	25.00%	6.67%	-21.05%
Last Close Price	62.75	57.55	50.20	56.51	43.84	40.34
PE Ratio	8.78	8.25	8.07	7.31	6.92	6.70
PS Ratio	1.69	1.59	1.56	1.77	1.44	1.44
PB Ratio	0.71	0.67	0.65	0.85	0.72	0.74
P/FCF Ratio	-	8.26	5.98	7.79	4.84	3.76
P/OCF Ratio	-	7.32	5.61	6.06	4.77	3.72
Debt / Equity Ratio	1.25	1.93	1.05	0.66	0.46	0.64
Debt / FCF Ratio	-	23.77	9.73	6.10	3.11	3.24
Return on Equity (ROE)	8.38%	8.42%	8.50%	11.88%	10.84%	11.61%
Return on Assets (ROA)	0.61%	0.61%	0.61%	0.80%	0.71%	0.78%
Earnings Yield	11.39%	12.12%	12.38%	13.67%	14.46%	14.93%
FCF Yield	-	12.10%	16.72%	12.84%	20.67%	26.59%
Dividend Yield	2.10%	2.29%	2.63%	2.34%	3.01%	3.27%
Payout Ratio	-	18.72%	20.49%	16.08%	19.01%	19.64%
Total Shareholder Return	2.13%	2.29%	2.63%	2.34%	3.01%	3.27%

Updated Apr 30, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.