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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	86	50	43	39	45	36
Market Cap Growth	203.47%	16.06%	11.85%	-13.33%	25.00%	6.67%
Last Close Price	76.00	67.21	56.71	49.47	55.69	43.20
PE Ratio	12.43	11.04	8.42	8.77	7.31	6.92
PS Ratio	2.88	1.69	1.59	1.56	1.77	1.44
PB Ratio	1.20	0.71	0.65	0.63	0.85	0.72
P/FCF Ratio	41.68	24.43	8.04	5.98	7.79	4.84
P/OCF Ratio	18.01	10.55	7.15	5.61	6.06	4.77
Debt / Equity Ratio	1.16	1.16	1.88	1.02	0.66	0.46
Debt / FCF Ratio	40.04	40.04	23.18	9.78	6.10	3.11
Net Debt / Equity Ratio	0.76	0.76	1.49	0.64	0.25	-2.42
Net Debt / FCF Ratio	26.32	26.32	18.38	6.10	2.28	-16.40
Return on Equity (ROE)	6.61%	6.61%	8.02%	7.70%	11.88%	10.84%
Return on Assets (ROA)	0.50%	0.50%	0.60%	0.56%	0.80%	0.71%
Earnings Yield	5.31%	9.05%	11.88%	11.41%	13.67%	14.46%
FCF Yield	2.40%	4.09%	12.43%	16.72%	12.84%	20.67%
Dividend Yield	1.74%	1.96%	2.33%	2.67%	2.37%	3.06%
Payout Ratio	21.59%	21.59%	19.10%	22.25%	16.08%	19.01%
Total Shareholder Return	1.76%	1.96%	2.33%	2.67%	2.37%	3.06%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.