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Ballston Spa Bancorp Inc (BSPA)
OTHER OTC:BSPA
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BSPA
Ballston Spa Bancorp
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Ballston Spa Bancorp (BSPA) Ratios

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Ballston Spa Bancorp Ratios

BSPA's free cash flow for Q2 2026 was $0.42. For the 2026 fiscal year, BSPA's free cash flow was decreased by $ and operating cash flow was $-0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.19 0.04 0.04 0.04
Quick Ratio
 0.00 0.19 0.04 0.04 0.04
Cash Ratio
 0.00 0.14 0.04 0.03 0.03
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.09 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.09 0.07 0.00 0.00
Net Current Asset Value
$ -1.17B$ -846.83M$ -804.71M$ -737.20M$ -678.79M
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.09 0.14 0.08 0.05
Debt-to-Equity Ratio
 0.60 1.15 1.93 1.05 0.66
Debt-to-Capital Ratio
 0.38 0.54 0.66 0.51 0.40
Long-Term Debt-to-Capital Ratio
 0.38 0.28 0.37 0.51 0.40
Financial Leverage Ratio
 14.38 13.05 13.93 13.76 14.33
Debt Service Coverage Ratio
 0.09 0.07 0.06 0.49 2.46
Interest Coverage Ratio
 0.09 0.33 0.40 0.52 2.66
Debt to Market Cap
 0.96 1.63 2.88 1.63 0.78
Interest Debt Per Share
 69.77 133.41 189.06 99.17 50.65
Net Debt to EBITDA
 20.30 11.75 13.97 6.30 1.67
Profitability Margins
Gross Profit Margin
53.91%60.27%62.85%69.59%90.27%
EBIT Margin
4.26%12.69%14.86%15.74%25.87%
EBITDA Margin
4.70%14.40%16.21%17.37%27.94%
Operating Profit Margin
4.26%12.69%14.86%15.74%25.87%
Pretax Profit Margin
4.26%12.69%14.86%15.74%25.87%
Net Profit Margin
3.57%10.27%12.03%13.40%21.89%
Continuous Operations Profit Margin
3.57%10.27%12.03%13.40%21.89%
Net Income Per EBT
83.75%81.00%81.00%85.15%84.61%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.11%0.49%0.58%0.58%0.81%
Return on Equity (ROE)
2.01%6.38%8.12%7.99%11.56%
Return on Capital Employed (ROCE)
0.13%0.64%3.20%4.18%7.33%
Return on Invested Capital (ROIC)
1.23%0.49%1.81%3.56%6.20%
Return on Tangible Assets
0.11%0.49%0.58%0.58%0.81%
Earnings Yield
1.74%9.05%12.12%12.39%13.67%
Efficiency Ratios
Receivables Turnover
 9.51 14.06 13.72 12.90 11.74
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.29 3.55 4.30 3.56 2.73
Asset Turnover
 0.03 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 0.79 -0.12 -0.07 -0.06 -0.05
Cash Conversion Cycle
 38.38 25.97 26.60 28.30 31.10
Days of Sales Outstanding
 38.38 25.97 26.60 28.30 31.10
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 38.38 25.97 26.60 28.30 31.10
Cash Flow Ratios
Operating Cash Flow Per Share
 2.08 6.40 7.94 9.27 9.90
Free Cash Flow Per Share
 -0.03 2.76 7.04 8.69 7.70
CapEx Per Share
 2.11 3.63 0.90 0.57 2.20
Free Cash Flow to Operating Cash Flow
 -0.01 0.43 0.89 0.94 0.78
Dividend Paid and CapEx Coverage Ratio
 0.72 1.29 3.57 4.89 2.81
Capital Expenditure Coverage Ratio
 0.99 1.76 8.78 16.12 4.50
Operating Cash Flow Coverage Ratio
 0.04 0.06 0.05 0.11 0.21
Operating Cash Flow to Sales Ratio
 0.05 0.11 0.14 0.19 0.26
Free Cash Flow Yield
-0.06%4.09%12.10%16.72%12.84%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 33.62 11.05 8.25 8.07 7.31
Price-to-Sales (P/S) Ratio
 1.38 1.13 0.99 1.08 1.60
Price-to-Book (P/B) Ratio
 0.93 0.70 0.67 0.65 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
 -1.75K 24.43 8.26 5.98 7.79
Price-to-Operating Cash Flow Ratio
 38.44 10.55 7.32 5.61 6.06
Price-to-Earnings Growth (PEG) Ratio
 -0.51 -0.83 0.87 -0.38 0.40
Price-to-Fair Value
 0.93 0.70 0.67 0.65 0.85
Enterprise Value Multiple
 49.69 19.63 20.09 12.53 7.40
Enterprise Value
 100.47M 124.90M 141.70M 77.68M 57.58M
EV to EBITDA
 49.69 19.63 20.09 12.53 7.40
EV to Sales
 2.33 2.83 3.26 2.18 2.07
EV to Free Cash Flow
 -2.95K 60.87 27.11 12.03 10.06
EV to Operating Cash Flow
 43.87 26.29 24.02 11.28 7.83
Tangible Book Value Per Share
 78.24 93.64 84.70 78.42 68.85
Shareholders’ Equity Per Share
 86.26 95.79 86.84 80.56 71.00
Tax and Other Ratios
Effective Tax Rate
 0.16 0.19 0.19 0.15 0.15
Revenue Per Share
 39.15 59.49 58.57 48.05 37.49
Net Income Per Share
 1.40 6.11 7.05 6.44 8.20
Tax Burden
 0.84 0.81 0.81 0.85 0.85
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.22 0.36 0.03 0.02 0.03
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.49 1.05 1.13 1.44 1.21
Currency in USD