Ballston Spa Bancorp, Inc.
Other OTCTotal Valuation
Ballston Spa Bancorp, Inc. carries a market capitalization of 59.44M, placing it among publicly traded companies globally. Its enterprise value stands at -44.34M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 59.44M |
| Enterprise Value | -44.34M |
Share Statistics
Ballston Spa Bancorp, Inc. currently has 742,663.00 shares outstanding.
| Shares Outstanding | 742,663.00 |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Ballston Spa Bancorp, Inc. trades at a trailing price-to-earnings ratio of 44.99. The price-to-sales ratio is 1.96, and the price-to-book ratio stands at 0.59.
| PE Ratio | 44.99 |
| PS Ratio | 1.96 |
| PB Ratio | 0.59 |
| P/TBV Ratio | 0.65 |
| P/FCF Ratio | 33.77 |
| P/OCF Ratio | 123.40 |
Enterprise Valuation
On an enterprise value basis, Ballston Spa Bancorp, Inc. trades at an EV/EBITDA multiple of 446.14 and an EV/FCF ratio of 131.37.
| EV / Sales | 7.10 |
| EV / EBITDA | 446.14 |
| EV / EBIT | N/A |
| EV / FCF | 131.37 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 60.31 |
| Debt / EBITDA | 78.73 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 1.85 |
| Return on Assets (ROA) | 0.13 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Ballston Spa Bancorp, Inc. has paid 298,000.00 in income taxes, reflecting an effective tax rate of 16.25.
| Income Tax | 298,000.00 |
| Effective Tax Rate | 16.25 |
Stock Price Statistics
Ballston Spa Bancorp, Inc.'s stock has gained approximately 4.62745% over the past 52 weeks. The 50-day moving average sits at 81.01, while the 200-day moving average is 75.46.
| Beta (5Y) | N/A |
| 52-Week Price Change | 4.62745% |
| 50-Day Moving Average | 81.01 |
| 200-Day Moving Average | 75.46 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Ballston Spa Bancorp, Inc. generated 35.22M in revenue and converted that into 1.54M in net income, yielding earnings per share of 1.67.
| Revenue | 35.22M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 1.83M |
| Net Income | 1.54M |
| EBITDA | 727,000.00 |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.67 |
Balance Sheet
Ballston Spa Bancorp, Inc. holds 157.27M in cash and equivalents against 57.23M in total debt, resulting in a net debt position of -35.91M.
| Cash & Cash Equivalents | 157.27M |
| Total Debt | 57.23M |
| Net Debt | -35.91M |
| Equity (Book Value) | 94.89M |
| Book Value Per Share | 127.77 |
| Working Capital | N/A |
Cash Flow
Ballston Spa Bancorp, Inc. produced 560,000.00 in operating cash flow over the past twelve months. After subtracting -1.49M in capital expenditures, free cash flow totaled -926,000.00 - equivalent to -1.01 per share.
| Operating Cash Flow | 560,000.00 |
| Capital Expenditures | -1.49M |
| Free Cash Flow | -926,000.00 |
| FCF Per Share | -1.01 |
Margins
Ballston Spa Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 5.21 |
| Profit Margin | 4.36 |
| EBITDA Margin | 2.06 |
Dividends & Yields
The company's payout ratio of 40.17 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.67 |
| Dividend Yield | N/A |
| Payout Ratio | 40.17 |
| Shareholder Yield | 124.95 |
| FCF Yield | 2.96 |
Scores
Ballston Spa Bancorp, Inc. posts an Altman Z-Score of 0.12, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.12 |