Ballston Spa Bancorp Statistics
Total Valuation
BSPA has a market cap or net worth of 84.41 million.
| Market Cap | 84.41M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, August 21, 2026.
| Earnings Date | Aug 21, 2026 |
| Ex-Dividend Date | Jun 1, 2026 |
Share Statistics
BSPA has 1.13 million shares outstanding. The number of shares has increased by 0.05% in one year.
| Current Share Class | 1.13M |
| Shares Outstanding | 1.13M |
| Shares Change (YoY) | +0.05% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 12.04% |
| Owned by Institutions (%) | 2.34% |
| Float | 989,930 |
Valuation Ratios
The trailing PE ratio is 16.00.
| PE Ratio | 16.00 |
| Forward PE | n/a |
| PS Ratio | 2.80 |
| PB Ratio | 1.19 |
| P/TBV Ratio | 1.22 |
| P/FCF Ratio | 140.91 |
| P/OCF Ratio | 23.30 |
| 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 | 88.80 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.09%.
| Return on Equity (ROE) | 5.09% |
| Return on Assets (ROA) | 0.38% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.11% |
| Revenue Per Employee | 212,359 |
| Profits Per Employee | 24,521 |
| Employee Count | 149 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BSPA has paid 993,000 in taxes.
| Income Tax | 993,000 |
| Effective Tax Rate | 22.19% |
Stock Price Statistics
The stock price has increased by +21.58% in the last 52 weeks. The beta is -0.15, so BSPA's price volatility has been lower than the market average.
| Beta (5Y) | -0.15 |
| 52-Week Price Change | +21.58% |
| 50-Day Moving Average | 67.93 |
| 200-Day Moving Average | 55.87 |
| Relative Strength Index (RSI) | 57.85 |
| Average Volume (20 Days) | 555 |
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) | n/a |
Income Statement
In the last 12 months, BSPA had revenue of 30.16 million and earned 3.48 million in profits. Earnings per share was 4.69.
| Revenue | 30.16M |
| Gross Profit | 30.16M |
| Operating Income | 7.58M |
| Pretax Income | 4.48M |
| Net Income | 3.48M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 4.69 |
Balance Sheet
The company has 47.82 million in cash and 53.19 million in debt, with a net cash position of -5.38 million or -4.78 per share.
| Cash & Cash Equivalents | 47.82M |
| Total Debt | 53.19M |
| Net Cash | -5.38M |
| Net Cash Per Share | -4.78 |
| Equity (Book Value) | 70.67M |
| Book Value Per Share | 92.01 |
| Working Capital | -756.79M |
Cash Flow
In the last 12 months, operating cash flow was 3.62 million and capital expenditures -3.02 million, giving a free cash flow of 599,000.
| Operating Cash Flow | 3.62M |
| Capital Expenditures | -3.02M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -29.36M |
| Free Cash Flow | 599,000 |
| FCF Per Share | 0.53 |
Margins
| Gross Margin | n/a |
| Operating Margin | 25.12% |
| Pretax Margin | 14.84% |
| Profit Margin | 11.55% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 1.99% |
Dividends & Yields
This stock pays an annual dividend of 1.32, which amounts to a dividend yield of 1.76%.
| Dividend Per Share | 1.32 |
| Dividend Yield | 1.76% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 28.14% |
| Buyback Yield | -0.05% |
| Shareholder Yield | 1.71% |
| Earnings Yield | 4.13% |
| FCF Yield | 0.71% |
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 | 4 |