Stock BSPA BALLSTON SPA BANCORP, INC.
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Financials Ballston Spa Bancorp, Inc.

Equities

BSPA

US0587011034

Banks

Market Closed - OTC Markets
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 20:46:47 01/05/2024 BST 		5-day change 1st Jan Change
53.25 USD +0.47% Intraday chart for Ballston Spa Bancorp, Inc. +0.47% +2.40%
04-30 Ballston Spa Bancorp, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
03-29 Ballston Spa Bancorp, Inc. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2022 2023
Capitalization 1 44.56 38.62
Enterprise Value (EV) 1 57.58 77.68
P/E ratio 7.31 x 8.07 x
Yield 2.2% 2.54%
Capitalization / Revenue 1.77 x 1.56 x
EV / Revenue 2.28 x 3.13 x
EV / EBITDA - -
EV / FCF - -
FCF Yield - -
Price to Book 0.85 x 0.65 x
Nbr of stocks (in thousands) 743 743
Reference price 2 60.00 52.00
Announcement Date 29/02/24 29/02/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2022 2023
Net sales 1 25.22 24.82
EBITDA - -
EBIT - -
Operating Margin - -
Earnings before Tax (EBT) 1 7.201 5.617
Net income 1 6.093 4.783
Net margin 24.16% 19.27%
EPS 2 8.204 6.440
Free Cash Flow - -
FCF margin - -
FCF Conversion (EBITDA) - -
FCF Conversion (Net income) - -
Dividend per Share 2 1.320 1.320
Announcement Date 29/02/24 29/02/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2022 2023
Net Debt 1 13 39.1
Net Cash position 1 - -
Leverage (Debt/EBITDA) - -
Free Cash Flow - -
ROE (net income / shareholders' equity) 11.9% 8.5%
ROA (Net income/ Total Assets) 0.8% 0.61%
Assets 1 762.1 789.7
Book Value Per Share 2 71.00 80.60
Cash Flow per Share 2 29.50 32.00
Capex 1 1.63 0.43
Capex / Sales 6.48% 1.72%
Announcement Date 29/02/24 29/02/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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