Ballston Spa Bancorp, Inc. Financial Ratios — BSPA Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	7.07	4.67	6.98	8.63	14.5	10.82	11.88	8.5	8.14	6.61
Return on Assets (%)	- -	0.49	0.29	0.46	0.63	0.99	0.71	0.8	0.61	0.6	0.5
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.9	1.96	3.25	4.69	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	0.9	14.24	8.85	13.94	21.34	2.96	2.86	2.3	2.34	2.17	2.55
Operating Margin (%)	0.9	14.24	8.85	13.94	21.34	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	493.66	90.72	88.43	338.1	-24.7	- -	- -	- -	- -	- -
Pretax Margin (%)	0.9	14.24	8.85	13.94	21.34	24.95	27.19	28.65	22.62	23.19	18.82
Profit Margin (%)	4.02	10.59	7.33	11.19	15.41	20.8	20.98	24.24	19.26	18.82	15.24
Net Income to Common Margin (%)	4.02	10.59	7.33	11.19	15.41	20.8	20.98	24.24	19.26	18.82	15.24
Effective Tax Rate (%)	- -	25.64	17.1	19.69	27.79	16.63	22.71	15.39	14.85	18.85	19
Dvd Payout Ratio (%)	112.78	45.05	82.62	- -	- -	19.64	19.01	16.08	20.49	19.1	21.59
Sustainable Growth Rate (%)	- -	3.89	0.81	6.98	8.63	11.65	8.76	9.97	6.76	6.58	5.18

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9	22	29	17	22	29	23	35	63	124	82
ST Debt	- -	- -	- -	- -	- -	10	10	22	25	86	54
LT Debt	9	22	29	17	22	19	13	13	38	38	28
Total Debt/EBITDA	81.36	12.07	28.2	9.56	7.89	40.49	32.63	60.39	107.9	210.24	107.85
Net Debt/EBITDA	13.65	7.51	20.47	5.99	5.71	-86.58	-172.17	22.52	67.12	166.68	70.72
Total Debt/EBIT	81.36	12.07	28.2	9.56	7.89	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	13.65	7.51	20.47	5.99	5.71	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.08	6.71	5.91	7.25	7.38	6.55	6.49	6.98	7.27	7.39	7.66
Long-Term Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	41.55	25.88	24.47	63.09	57	39.01
Long-Term Debt/Capital (%)	32.56	53.17	62.09	42.74	47.81	25.39	17.73	14.73	30.78	19.82	18.15
Long-Term Debt/Total Assets (%)	3.42	7.62	9.69	5.43	6.78	2.72	1.68	1.71	4.58	4.21	2.99
Total Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	63.67	45.93	66.2	104.96	187.6	114.92
Total Debt/Capital (%)	32.56	53.17	62.09	42.74	47.81	38.9	31.47	39.83	51.21	65.23	53.47
Total Debt/Total Assets (%)	3.42	7.62	9.69	5.43	6.78	4.17	2.98	4.62	7.63	13.86	8.8
Net Debt to Equity	8.1	70.61	118.9	46.76	66.35	-136.16	-242.33	24.69	65.29	148.73	75.35
Net Debt/Capital (%)	7.49	41.39	54.32	31.86	39.89	376.56	170.26	19.8	39.5	59.8	42.97
EBITDA	- -	2	1	2	3	1	1	1	1	1	1
EBITDA-CapEx	- -	2	1	2	3	1	1	-1	- -	- -	-2
Operating Income (Loss)	- -	2	1	2	3	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.08	6.71	5.91	7.25	7.38	6.55	6.49	6.98	7.27	7.39	7.66
Long-Term Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	41.55	25.88	24.47	63.09	57	39.01
Long-Term Debt/Capital (%)	32.56	53.17	62.09	42.74	47.81	25.39	17.73	14.73	30.78	19.82	18.15
Long-Term Debt/Total Assets (%)	3.42	7.62	9.69	5.43	6.78	2.72	1.68	1.71	4.58	4.21	2.99
Total Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	63.67	45.93	66.2	104.96	187.6	114.92
Total Debt/Capital (%)	32.56	53.17	62.09	42.74	47.81	38.9	31.47	39.83	51.21	65.23	53.47
Total Debt/Total Assets (%)	3.42	7.62	9.69	5.43	6.78	4.17	2.98	4.62	7.63	13.86	8.8
CFO/Total Liabilities	1.3	0.34	1.04	- -	- -	1.32	1.04	1.05	0.9	0.73	0.55
CFO/CapEx	- -	- -	- -	- -	- -	84.13	69.23	4.5	16.12	8.99	1.76
Altman's Z-Score	0.1	0.11	0.1	0.09	0.16	0.14	0.14	0.16	0.15	0.15	0.16

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	11.11	10.13	10.65	10.18	15.29	13.84	12.27	9.66	9.18	9.43
Days Sales Outstanding	- -	32.86	36.03	34.26	35.84	23.88	26.38	29.75	37.77	39.75	38.69
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	31	33	36	45	39	43	50
- Cash & Cash Equivalents	7	8	8	6	6	90	144	22	24	26	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	9	22	29	17	22	29	23	35	63	124	82
Enterprise Value	2	13	21	11	47	-34	-92	50	70	135	98
Total Capital	28	41	47	39	45	74	73	88	123	190	153
Total Debt/Capital (%)	32.56	53.17	62.09	42.74	47.81	38.9	31.47	39.83	51.21	65.23	53.47
Total Debt / EV	5.96	1.61	1.38	1.59	0.47	-0.84	-0.25	0.7	0.9	0.92	0.84
EV/Sales	0.12	1.07	1.81	0.84	3.62	- -	- -	1.99	2.81	4.94	3.28
EV/EBITDA	13.65	7.51	20.47	6.02	16.95	- -	- -	86.69	120.03	227.83	128.99
EV/EBIT	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.47	15	7.18	- -	- -	- -	- -	6.81	10.15	22.29	20.58
EV/Free Cash Flow to Firm	0.47	15	7.18	- -	- -	- -	- -	5.57	9.56	20.05	13.13
Diluted Market Cap	- -	- -	- -	- -	31	33	36	45	39	43	50
Diluted Enterprise Value	2	13	21	11	47	-28	-85	58	78	142	104
EV per Share	2.04	17.54	27.74	13.69	60.44	- -	- -	67.47	94.06	181.3	131.65
TTM Sales	12	13	12	13	13	24	25	25	25	27	30
TTM EBITDA	- -	2	1	2	3	1	1	1	1	1	1
TTM Operating Income	- -	2	1	2	3	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	1	3	- -	- -	8	7	7	7	6	5
TTM Free Cash Flow to Firm	3	1	3	- -	- -	9	8	9	7	7	7

Multiples (USD)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	3.89	4.7	4.96	5.28	6.43	6.73
EV/EBIT	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
Enterprise Value	2	13	21	11	47	-34	-92	50	70	135	98
Low Price	- -	- -	- -	- -	39	39.25	45	48	45.9	50.45	58.15
EV/Sales	0.12	1.07	1.81	0.84	3.62	- -	- -	1.99	2.81	4.94	3.28
EV/EBITDA	13.65	7.51	20.47	6.02	16.95	- -	- -	86.69	120.03	227.83	128.99
Price/Earnings	- -	- -	- -	- -	15.53	6.7	6.93	7.31	8.07	8.42	11.04
Price/Earnings Average	- -	- -	- -	- -	15.79	6.98	7.55	6.68	8.3	7.85	10.59
Price/Earnings High	- -	- -	- -	- -	16.5	9.03	8.66	7.31	9.32	8.68	12.52
Price/Earnings Low	- -	- -	- -	- -	15.14	5.84	6.5	5.85	7.13	7.3	9.51
Price/Book Value	- -	- -	- -	- -	1.31	0.74	0.71	0.85	0.65	0.65	0.7
Price/Book Value Average	- -	- -	- -	- -	1.33	0.77	0.78	0.77	0.66	0.61	0.68
Price/Book Value High	- -	- -	- -	- -	1.39	1	0.89	0.85	0.74	0.67	0.8
Price/Book Value Low	- -	- -	- -	- -	1.27	0.64	0.67	0.68	0.57	0.57	0.61
Price/Tangible Book Value	- -	- -	- -	- -	1.41	0.77	0.74	0.87	0.66	0.67	0.72
Price/Tangible Book Value Average	- -	- -	- -	- -	1.43	0.8	0.8	0.8	0.68	0.62	0.69
Price/Tangible Book Value High	- -	- -	- -	- -	1.49	1.03	0.92	0.87	0.77	0.69	0.82
Price/Tangible Book Value Low	- -	- -	- -	- -	1.37	0.67	0.69	0.7	0.59	0.58	0.62
Price/Sales	- -	- -	- -	- -	2.39	1.39	1.45	1.77	1.56	1.58	1.68
Price/Sales Average	- -	- -	- -	- -	2.43	1.45	1.58	1.62	1.6	1.48	1.61
Price/Sales High	- -	- -	- -	- -	2.54	1.88	1.82	1.77	1.79	1.63	1.91
Price/Sales Low	- -	- -	- -	- -	2.33	1.22	1.36	1.42	1.37	1.37	1.45
Price/Cash Flow	- -	- -	- -	- -	- -	3.93	4.77	6.06	5.61	7.15	10.55
Price/Cash Flow Average	- -	- -	- -	- -	- -	4.1	5.19	5.53	5.77	6.66	10.12
Price/Cash Flow High	- -	- -	- -	- -	- -	5.3	5.96	6.06	6.47	7.37	11.96
Price/Cash Flow Low	- -	- -	- -	- -	- -	3.43	4.47	4.85	4.95	6.2	9.09
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	4.05	5.12	4.53	5.43	6	6.45
Price/Free Cash Flow High	- -	- -	- -	- -	- -	5.24	5.87	4.96	6.09	6.63	7.63
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	3.39	4.41	3.96	4.66	5.58	5.8
EV/Sales Average	0.12	1.07	1.81	0.84	3.66	- -	- -	2.14	3.17	5.09	3.41
EV/Sales High	0.12	1.07	1.81	0.84	3.77	- -	- -	2.29	3.37	5.25	3.71
EV/Sales Low	0.12	1.07	1.81	0.84	3.56	- -	- -	1.94	2.95	4.99	3.25
EV/EBITDA Average	13.65	7.51	20.47	6.02	17.14	-37.61	-116.86	92.94	135.32	234.8	134.11
EV/EBITDA High	13.65	7.51	20.47	6.02	17.65	-23.21	-108.69	99.61	143.69	241.99	145.67
EV/EBITDA Low	13.65	7.51	20.47	6.02	16.67	-45.58	-124.56	84.2	125.69	230.08	127.69
EV/EBIT Average	13.65	7.51	20.47	6.02	17.14	- -	- -	- -	- -	- -	- -
EV/EBIT High	13.65	7.51	20.47	6.02	17.65	- -	- -	- -	- -	- -	- -
EV/EBIT Low	13.65	7.51	20.47	6.02	16.67	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	40	45	48	60	52	58.16	67.5
High Price	- -	- -	- -	- -	42.5	60.67	60	60	60	59.93	76.5
Enterprise Value Average	2	13	21	11	47	-27	-82	54	79	139	102
Enterprise Value High	2	13	21	11	48	-16	-76	58	84	143	110
Enterprise Value Low	2	13	21	11	46	-32	-87	49	73	136	97

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1
Revenue per Share	16.66	16.97	15.85	16.33	16.71	32.3	33.02	33.84	33.44	36.7	40.09
EBITDA per Share	0.15	2.42	1.4	2.28	3.57	0.96	0.95	0.78	0.78	0.8	1.02
Operating Income per Share	0.15	2.42	1.4	2.28	3.57	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.67	1.8	1.16	1.83	2.58	6.72	6.93	8.2	6.44	6.91	6.11
Basic EPS from Cont Ops	0.67	1.8	1.16	1.83	2.58	6.72	6.94	8.2	6.44	6.91	6.11
Diluted EPS, GAAP	0.67	1.8	1.16	1.83	2.58	6.72	6.93	8.2	6.44	6.91	6.11
Diluted EPS from Cont Ops	0.67	1.8	1.16	1.83	2.58	6.72	6.94	8.2	6.44	6.91	6.11
Dividend per Share	0.76	0.81	0.96	- -	- -	1.32	1.32	1.32	1.32	1.32	1.32
Cash Flow per Share	4.34	1.21	3.99	- -	- -	11.44	10.07	9.91	9.27	8.14	6.4
Free Cash Flow per Basic Share	4.34	1.21	3.99	- -	- -	11.31	9.92	7.71	8.69	7.23	2.76
Cash & Equivalents per Share	10.1	10.66	10.48	8.12	7.76	130.04	203.13	39.53	42.5	44.16	45.93
Book Value per Share	25.14	24.83	23.33	29.08	30.64	60.88	67.16	71	80.56	89.18	95.79
Tangible Book Value per Share	25.14	24.83	23.33	26.84	28.44	58.73	65.01	68.85	78.42	87.03	93.64

Ballston Spa Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)