Ballston Spa Bancorp Statistics
Total Valuation
BSPA has a market cap or net worth of 91.22 million.
| Market Cap | 91.22M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, August 28, 2026.
| Earnings Date | Aug 28, 2026 |
| Ex-Dividend Date | Sep 1, 2026 |
Share Statistics
BSPA has 1.10 million shares outstanding. The number of shares has increased by 11.96% in one year.
| Current Share Class | 1.10M |
| Shares Outstanding | 1.10M |
| Shares Change (YoY) | +11.96% |
| Shares Change (QoQ) | +48.13% |
| Owned by Insiders (%) | 12.32% |
| Owned by Institutions (%) | 2.39% |
| Float | 964,593 |
Valuation Ratios
The trailing PE ratio is 44.92.
| PE Ratio | 44.92 |
| Forward PE | n/a |
| PS Ratio | 2.57 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 1.06 |
| P/FCF Ratio | 103.19 |
| P/OCF Ratio | 21.69 |
| 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 | 64.74 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 1.89%.
| Return on Equity (ROE) | 1.89% |
| Return on Assets (ROA) | 0.13% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.17% |
| Revenue Per Employee | 249,669 |
| Profits Per Employee | 10,817 |
| Employee Count | 149 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BSPA has paid 298,000 in taxes.
| Income Tax | 298,000 |
| Effective Tax Rate | 16.25% |
Stock Price Statistics
The stock price has increased by +32.14% in the last 52 weeks. The beta is -0.13, so BSPA's price volatility has been lower than the market average.
| Beta (5Y) | -0.13 |
| 52-Week Price Change | +32.14% |
| 50-Day Moving Average | 74.16 |
| 200-Day Moving Average | 58.23 |
| Relative Strength Index (RSI) | 75.50 |
| Average Volume (20 Days) | 316 |
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) | 0.03 |
Income Statement
In the last 12 months, BSPA had revenue of 35.45 million and earned 1.54 million in profits. Earnings per share was 1.85.
| Revenue | 35.45M |
| Gross Profit | 35.45M |
| Operating Income | 8.88M |
| Pretax Income | 1.83M |
| Net Income | 1.54M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 1.85 |
Balance Sheet
The company has 93.14 million in cash and 57.23 million in debt, with a net cash position of 35.91 million or 32.64 per share.
| Cash & Cash Equivalents | 93.14M |
| Total Debt | 57.23M |
| Net Cash | 35.91M |
| Net Cash Per Share | 32.64 |
| Equity (Book Value) | 94.89M |
| Book Value Per Share | 86.26 |
| Working Capital | -1.10B |
Cash Flow
In the last 12 months, operating cash flow was 4.21 million and capital expenditures -3.32 million, giving a free cash flow of 884,000.
| Operating Cash Flow | 4.21M |
| Capital Expenditures | -3.32M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -84.84M |
| Free Cash Flow | 884,000 |
| FCF Per Share | 0.80 |
Margins
| Gross Margin | n/a |
| Operating Margin | 25.05% |
| Pretax Margin | 5.17% |
| Profit Margin | 4.33% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 2.49% |
Dividends & Yields
This stock pays an annual dividend of 1.32, which amounts to a dividend yield of 1.59%.
| Dividend Per Share | 1.32 |
| Dividend Yield | 1.59% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 72.07% |
| Buyback Yield | -11.96% |
| Shareholder Yield | -10.36% |
| Earnings Yield | 1.68% |
| FCF Yield | 0.97% |
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 |