Ballston Spa Bancorp Statistics
Total Valuation
BSPA has a market cap or net worth of 50.76 million.
| Market Cap | 50.76M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Wednesday, April 1, 2026.
| Earnings Date | Apr 1, 2026 |
| Ex-Dividend Date | Dec 2, 2025 |
Share Statistics
BSPA has 742,663 shares outstanding. The number of shares has decreased by -0.05% in one year.
| Current Share Class | 742,663 |
| Shares Outstanding | 742,663 |
| Shares Change (YoY) | -0.05% |
| Shares Change (QoQ) | -0.45% |
| Owned by Insiders (%) | 18.24% |
| Owned by Institutions (%) | 3.54% |
| Float | 607,185 |
Valuation Ratios
The trailing PE ratio is 10.34.
| PE Ratio | 10.34 |
| Forward PE | n/a |
| PS Ratio | 1.77 |
| PB Ratio | 0.72 |
| P/TBV Ratio | 0.74 |
| P/FCF Ratio | 24.10 |
| P/OCF Ratio | 11.67 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 13.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.35%.
| Return on Equity (ROE) | 7.35% |
| Return on Assets (ROA) | 0.55% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.03% |
| Revenue Per Employee | 202,415 |
| Profits Per Employee | 34,585 |
| Employee Count | 149 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BSPA has paid 1.11 million in taxes.
| Income Tax | 1.11M |
| Effective Tax Rate | 18.46% |
Stock Price Statistics
The stock price has increased by +17.52% in the last 52 weeks. The beta is -0.20, so BSPA's price volatility has been lower than the market average.
| Beta (5Y) | -0.20 |
| 52-Week Price Change | +17.52% |
| 50-Day Moving Average | 61.67 |
| 200-Day Moving Average | 54.26 |
| Relative Strength Index (RSI) | 54.99 |
| Average Volume (20 Days) | 626 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.01 |
Income Statement
In the last 12 months, BSPA had revenue of 28.74 million and earned 4.91 million in profits. Earnings per share was 6.61.
| Revenue | 28.74M |
| Gross Profit | 28.74M |
| Operating Income | 6.77M |
| Pretax Income | 6.02M |
| Net Income | 4.91M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 6.61 |
Balance Sheet
The company has 20.44 million in cash and 27.75 million in debt, with a net cash position of -7.31 million or -9.85 per share.
| Cash & Cash Equivalents | 20.44M |
| Total Debt | 27.75M |
| Net Cash | -7.31M |
| Net Cash Per Share | -9.85 |
| Equity (Book Value) | 70.24M |
| Book Value Per Share | 94.58 |
| Working Capital | -782.69M |
Cash Flow
In the last 12 months, operating cash flow was 4.35 million and capital expenditures -2.25 million, giving a free cash flow of 2.11 million.
| Operating Cash Flow | 4.35M |
| Capital Expenditures | -2.25M |
| Free Cash Flow | 2.11M |
| FCF Per Share | 2.84 |
Margins
| Gross Margin | n/a |
| Operating Margin | 23.57% |
| Pretax Margin | 20.95% |
| Profit Margin | 17.09% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 7.33% |
Dividends & Yields
This stock pays an annual dividend of 1.32, which amounts to a dividend yield of 1.93%.
| Dividend Per Share | 1.32 |
| Dividend Yield | 1.93% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 19.96% |
| Buyback Yield | 0.05% |
| Shareholder Yield | 1.98% |
| Earnings Yield | 9.67% |
| FCF Yield | 4.15% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |