Ballston Spa Bancorp Statistics
Total Valuation
BSPA has a market cap or net worth of 85.53 million.
| Market Cap | 85.53M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, August 21, 2026.
| Earnings Date | Aug 21, 2026 |
| Ex-Dividend Date | Mar 3, 2026 |
Share Statistics
BSPA has 1.13 million shares outstanding.
| Current Share Class | 1.13M |
| Shares Outstanding | 1.13M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | +0.28% |
| Owned by Insiders (%) | 12.04% |
| Owned by Institutions (%) | 2.34% |
| Float | 989,930 |
Valuation Ratios
The trailing PE ratio is 12.43.
| PE Ratio | 12.43 |
| Forward PE | n/a |
| PS Ratio | 2.88 |
| PB Ratio | 1.20 |
| P/TBV Ratio | 1.23 |
| P/FCF Ratio | 41.68 |
| P/OCF Ratio | 18.01 |
| 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 | 40.04 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.61%.
| Return on Equity (ROE) | 6.61% |
| Return on Assets (ROA) | 0.50% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.79% |
| Revenue Per Employee | 209,035 |
| Profits Per Employee | 31,965 |
| Employee Count | 149 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BSPA has paid 1.07 million in taxes.
| Income Tax | 1.07M |
| Effective Tax Rate | 19.00% |
Stock Price Statistics
The stock price has increased by +20.64% in the last 52 weeks. The beta is -0.14, so BSPA's price volatility has been lower than the market average.
| Beta (5Y) | -0.14 |
| 52-Week Price Change | +20.64% |
| 50-Day Moving Average | 66.10 |
| 200-Day Moving Average | 55.33 |
| Relative Strength Index (RSI) | 62.60 |
| Average Volume (20 Days) | 550 |
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 29.68 million and earned 4.54 million in profits. Earnings per share was 6.11.
| Revenue | 29.68M |
| Gross Profit | 29.68M |
| Operating Income | 7.92M |
| Pretax Income | 5.60M |
| Net Income | 4.54M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 6.11 |
Balance Sheet
The company has 28.15 million in cash and 82.15 million in debt, with a net cash position of -54.00 million or -47.98 per share.
| Cash & Cash Equivalents | 28.15M |
| Total Debt | 82.15M |
| Net Cash | -54.00M |
| Net Cash Per Share | -47.98 |
| Equity (Book Value) | 71.14M |
| Book Value Per Share | 95.79 |
| Working Capital | -788.06M |
Cash Flow
In the last 12 months, operating cash flow was 4.75 million and capital expenditures -2.70 million, giving a free cash flow of 2.05 million.
| Operating Cash Flow | 4.75M |
| Capital Expenditures | -2.70M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -42.50M |
| Free Cash Flow | 2.05M |
| FCF Per Share | 1.82 |
Margins
| Gross Margin | n/a |
| Operating Margin | 26.69% |
| Pretax Margin | 18.88% |
| Profit Margin | 15.29% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 6.91% |
Dividends & Yields
This stock pays an annual dividend of 1.32, which amounts to a dividend yield of 1.74%.
| Dividend Per Share | 1.32 |
| Dividend Yield | 1.74% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 21.59% |
| Buyback Yield | n/a |
| Shareholder Yield | 1.76% |
| Earnings Yield | 5.31% |
| FCF Yield | 2.40% |
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 |