Ballston Spa Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Mar '26 Mar 6, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Market Capitalization	56	43	39	45	36	33	Upgrade
Market Cap Growth	121.90%	11.85%	-13.33%	25.00%	6.67%	-21.05%	Upgrade
Last Close Price	75.67	56.71	49.47	55.69	43.20	39.75	Upgrade
PE Ratio	11.49	8.42	8.77	7.31	6.92	6.70	Upgrade
PS Ratio	1.96	1.59	1.56	1.77	1.44	1.44	Upgrade
PB Ratio	0.80	0.65	0.63	0.85	0.72	0.74	Upgrade
P/FCF Ratio	26.80	8.04	5.98	7.79	4.84	3.76	Upgrade
P/OCF Ratio	12.97	7.15	5.61	6.06	4.77	3.72	Upgrade
Debt / Equity Ratio	0.40	1.88	1.02	0.66	0.46	0.64	Upgrade
Debt / FCF Ratio	13.18	23.18	9.78	6.10	3.11	3.24	Upgrade
Net Debt / Equity Ratio	0.10	1.49	0.64	0.25	-2.42	-1.36	Upgrade
Net Debt / FCF Ratio	3.47	18.38	6.10	2.28	-16.40	-6.93	Upgrade
Return on Equity (ROE)	7.35%	8.02%	7.70%	11.88%	10.84%	11.61%	Upgrade
Return on Assets (ROA)	0.55%	0.60%	0.56%	0.80%	0.71%	0.78%	Upgrade
Earnings Yield	8.70%	11.88%	11.41%	13.67%	14.46%	14.93%	Upgrade
FCF Yield	3.73%	12.43%	16.72%	12.84%	20.67%	26.59%	Upgrade
Dividend Yield	1.74%	2.33%	2.67%	2.37%	3.06%	3.32%	Upgrade
Payout Ratio	19.96%	19.10%	22.25%	16.08%	19.01%	19.64%	Upgrade
Total Shareholder Return	1.78%	2.33%	2.67%	2.37%	3.06%	3.32%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.