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Ballston Spa Bancorp, Inc. (BSPA)
OTCMKTS · Delayed Price · Currency is USD
80.20
0.00 (0.00%)
Sep 14, 2026, 4:00 PM EST

Ballston Spa Bancorp Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
885043394536
Market Cap Growth
90.96%16.06%11.85%-13.33%25.00%6.67%
Last Close Price
80.2066.6456.2349.0555.2142.83

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
43.4411.048.428.777.316.92
PS Ratio
2.491.691.591.561.771.44
PB Ratio
0.930.710.650.630.850.72
P/FCF Ratio
99.8024.438.045.987.794.84
P/OCF Ratio
20.9810.557.155.616.064.77

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.601.161.881.020.660.46
Debt / FCF Ratio
64.7440.0423.189.786.103.11
Net Debt / Equity Ratio
-0.380.761.490.640.25-2.42
Net Debt / FCF Ratio
-40.6226.3218.386.102.28-16.40
Return on Equity (ROE)
1.89%6.61%8.02%7.70%11.88%10.84%
Return on Assets (ROA)
0.14%0.50%0.60%0.56%0.80%0.71%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
1.74%9.05%11.88%11.41%13.67%14.46%
FCF Yield
1.00%4.09%12.43%16.72%12.84%20.67%
Dividend Yield
1.65%1.98%2.35%2.69%2.39%3.08%
Payout Ratio
72.07%21.59%19.10%22.25%16.08%19.01%
Total Shareholder Return
-10.31%1.98%2.35%2.69%2.39%3.08%