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	Feb 10, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	53	43	39	45	36	33
Market Cap Growth	111.42%	11.85%	-13.33%	25.00%	6.67%	-21.05%
Last Close Price	71.25	56.96	49.69	55.93	43.39	39.92
PE Ratio	10.77	8.42	8.77	7.31	6.92	6.70
PS Ratio	1.84	1.59	1.56	1.77	1.44	1.44
PB Ratio	0.75	0.65	0.63	0.85	0.72	0.74
P/FCF Ratio	25.13	8.04	5.98	7.79	4.84	3.76
P/OCF Ratio	12.16	7.15	5.61	6.06	4.77	3.72
Debt / Equity Ratio	0.40	1.88	1.02	0.66	0.46	0.64
Debt / FCF Ratio	13.18	23.18	9.78	6.10	3.11	3.24
Net Debt / Equity Ratio	0.10	1.49	0.64	0.25	-2.42	-1.36
Net Debt / FCF Ratio	3.47	18.38	6.10	2.28	-16.40	-6.93
Return on Equity (ROE)	7.35%	8.02%	7.70%	11.88%	10.84%	11.61%
Return on Assets (ROA)	0.55%	0.60%	0.56%	0.80%	0.71%	0.78%
Earnings Yield	9.28%	11.88%	11.41%	13.67%	14.46%	14.93%
FCF Yield	3.98%	12.43%	16.72%	12.84%	20.67%	26.59%
Dividend Yield	1.85%	2.32%	2.66%	2.36%	3.04%	3.31%
Payout Ratio	19.96%	19.10%	22.25%	16.08%	19.01%	19.64%
Total Shareholder Return	1.90%	2.32%	2.66%	2.36%	3.04%	3.31%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.