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 (%)	- -	6.91	4.38	8.58	14.72	16.02	10.2	11.07	8	7.9	6.51
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	- -	- -	- -	- -	- -	- -
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 (%)	- -	3.8	0.76	8.58	14.72	12.88	8.26	9.29	6.36	6.39	5.11

Credit (USD)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	9	22	29	17	22	29	23	35	63	124	82
Total Debt/EBITDA	81.36	12.07	28.2	9.56	7.89	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	13.65	7.51	20.47	5.99	5.71	- -	- -	- -	- -	- -	- -
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	7.19	6.91	6.53	4.22	4.36	7.01	6.83	7.62	7.52	7.58	7.7
Long-Term Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	63.67	45.93	66.2	104.96	187.6	114.92
Long-Term Debt/Capital (%)	32.21	52.43	59.73	56.17	60.76	37.33	30.37	37.73	50.35	64.66	53.35
Long-Term 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
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 (%)	32.21	52.43	59.73	56.17	60.76	37.33	30.37	37.73	50.35	64.66	53.35
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	-199.83	-288.26	-41.51	-39.67	-38.87	-39.56
Net Debt/Capital (%)	7.38	40.67	51.84	44.54	52.86	683.06	210.32	-30.99	-23.5	-15.47	-22.5
EBITDA	- -	2	1	2	3	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	2	1	2	3	- -	- -	-2	- -	-1	-3
Operating Income (Loss)	- -	2	1	2	3	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	7.19	6.91	6.53	4.22	4.36	7.01	6.83	7.62	7.52	7.58	7.7
Long-Term Debt/Equity (%)	48.28	113.54	163.81	74.64	91.6	63.67	45.93	66.2	104.96	187.6	114.92
Long-Term Debt/Capital (%)	32.21	52.43	59.73	56.17	60.76	37.33	30.37	37.73	50.35	64.66	53.35
Long-Term 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
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 (%)	32.21	52.43	59.73	56.17	60.76	37.33	30.37	37.73	50.35	64.66	53.35
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	0.13

Working Capital (USD)

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	36.4	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	32.86	36.03	34.26	35.84	10.03	- -	- -	- -	- -	- -
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)

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	- -
- 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	-28	-85	58	78	142	54
Total Capital	28	41	49	30	36	77	75	93	125	192	153
Total Debt/Capital (%)	32.21	52.43	59.73	56.17	60.76	37.33	30.37	37.73	50.35	64.66	53.35
Total Debt / EV	5.96	1.61	1.38	1.59	0.47	-1.02	-0.27	0.61	0.81	0.88	1.53
EV/Sales	0.12	1.07	1.81	0.84	3.62	- -	- -	2.29	3.13	5.2	1.8
EV/EBITDA	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
EV/EBIT	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.47	15	7.18	- -	- -	- -	- -	7.83	11.28	23.45	11.29
EV/Free Cash Flow to Firm	0.47	15	7.18	- -	- -	- -	- -	6.4	10.63	21.11	7.2
Diluted Market Cap	- -	- -	- -	- -	31	33	36	45	39	43	- -
Diluted Enterprise Value	2	13	21	11	47	-28	-85	58	78	142	54
EV per Share	2.05	18.14	28.69	13.69	60.44	- -	- -	77.53	104.6	190.8	- -
TTM Sales	12	13	12	13	13	24	25	25	25	27	30
TTM EBITDA	- -	2	1	2	3	- -	- -	- -	- -	- -	- -
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)

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	- -
EV/EBIT	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
Enterprise Value	2	13	21	11	47	-28	-85	58	78	142	54
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	- -	- -	2.29	3.13	5.2	1.8
EV/EBITDA	13.65	7.51	20.47	6.02	16.95	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	15.53	6.7	6.93	7.31	8.07	8.42	- -
Price/Earnings Average	- -	- -	- -	- -	15.79	6.98	7.55	6.68	8.3	7.85	- -
Price/Earnings High	- -	- -	- -	- -	16.5	9.03	8.66	7.31	9.32	8.68	- -
Price/Earnings Low	- -	- -	- -	- -	15.14	5.84	6.5	5.85	7.13	7.3	- -
Price/Book Value	- -	- -	- -	- -	2.21	0.69	0.68	0.77	0.62	0.64	- -
Price/Book Value Average	- -	- -	- -	- -	2.25	0.72	0.74	0.71	0.64	0.59	- -
Price/Book Value High	- -	- -	- -	- -	2.35	0.93	0.85	0.77	0.72	0.66	- -
Price/Book Value Low	- -	- -	- -	- -	2.16	0.6	0.64	0.62	0.55	0.55	- -
Price/Tangible Book Value	- -	- -	- -	- -	1.4	0.77	0.74	0.87	0.66	0.67	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	1.43	0.8	0.8	0.8	0.68	0.62	- -
Price/Tangible Book Value High	- -	- -	- -	- -	1.49	1.03	0.92	0.87	0.77	0.69	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	1.37	0.67	0.69	0.7	0.59	0.58	- -
Price/Sales	- -	- -	- -	- -	2.39	1.39	1.45	1.77	1.56	1.58	- -
Price/Sales Average	- -	- -	- -	- -	2.43	1.45	1.58	1.62	1.6	1.48	- -
Price/Sales High	- -	- -	- -	- -	2.54	1.88	1.82	1.77	1.79	1.63	- -
Price/Sales Low	- -	- -	- -	- -	2.33	1.22	1.36	1.42	1.37	1.37	- -
Price/Cash Flow	- -	- -	- -	- -	- -	3.93	4.77	6.06	5.61	7.15	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	4.1	5.19	5.53	5.77	6.66	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	5.3	5.96	6.06	6.47	7.37	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	3.43	4.47	4.85	4.95	6.2	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	4.05	5.12	4.53	5.43	6	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	5.24	5.87	4.96	6.09	6.63	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	3.39	4.41	3.96	4.66	5.58	- -
EV/Sales Average	0.12	1.07	1.81	0.84	3.66	- -	- -	2.14	3.17	5.09	1.8
EV/Sales High	0.12	1.07	1.81	0.84	3.77	- -	- -	2.29	3.37	5.25	1.8
EV/Sales Low	0.12	1.07	1.81	0.84	3.56	- -	- -	1.94	2.95	4.99	1.8
EV/EBITDA Average	13.65	7.51	20.47	6.02	17.14	- -	- -	- -	- -	- -	- -
EV/EBITDA High	13.65	7.51	20.47	6.02	17.65	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	13.65	7.51	20.47	6.02	16.67	- -	- -	- -	- -	- -	- -
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	54
Enterprise Value High	2	13	21	11	48	-16	-76	58	84	143	54
Enterprise Value Low	2	13	21	11	46	-32	-87	49	73	136	54

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	- -
Basic Weighted Avg Shares	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	- -
EBITDA per Share	0.15	2.42	1.4	2.28	3.57	- -	- -	- -	- -	- -	- -
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	- -
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	- -
Diluted EPS, GAAP	0.67	1.8	1.16	1.83	2.58	6.72	6.93	8.2	6.44	6.91	- -
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	- -
Dividend per Share	0.76	0.81	0.96	- -	- -	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	- -
Free Cash Flow per Basic Share	4.34	1.21	3.99	- -	- -	11.31	9.92	7.71	8.69	7.23	- -
Cash & Equivalents per Share	10.18	11.03	10.84	8.12	7.76	121.65	193.58	29.47	31.96	34.66	- -
Book Value per Share	25.74	26.46	26.65	16.91	18.1	65.08	70.7	77.58	83.38	91.45	- -
Tangible Book Value per Share	25.33	25.69	24.13	26.9	28.51	58.73	65.01	68.85	78.42	87.03	- -

Ballston Spa Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)