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 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	81	50	43	39	45	36	Upgrade
Market Cap Growth	196.21%	16.06%	11.85%	-13.33%	25.00%	6.67%	Upgrade
Last Close Price	73.99	67.21	56.71	49.47	55.69	43.20	Upgrade
PE Ratio	12.11	11.04	8.42	8.77	7.31	6.92	Upgrade
PS Ratio	2.74	1.69	1.59	1.56	1.77	1.44	Upgrade
PB Ratio	1.14	0.71	0.65	0.63	0.85	0.72	Upgrade
P/FCF Ratio	39.67	24.43	8.04	5.98	7.79	4.84	Upgrade
P/OCF Ratio	17.14	10.55	7.15	5.61	6.06	4.77	Upgrade
Debt / Equity Ratio	1.15	1.15	1.88	1.02	0.66	0.46	Upgrade
Debt / FCF Ratio	39.84	39.84	23.18	9.78	6.10	3.11	Upgrade
Net Debt / Equity Ratio	0.75	0.75	1.49	0.64	0.25	-2.42	Upgrade
Net Debt / FCF Ratio	26.12	26.12	18.38	6.10	2.28	-16.40	Upgrade
Return on Equity (ROE)	6.61%	6.61%	8.02%	7.70%	11.88%	10.84%	Upgrade
Return on Assets (ROA)	0.50%	0.50%	0.60%	0.56%	0.80%	0.71%	Upgrade
Earnings Yield	5.58%	9.05%	11.88%	11.41%	13.67%	14.46%	Upgrade
FCF Yield	2.52%	4.09%	12.43%	16.72%	12.84%	20.67%	Upgrade
Dividend Yield	1.78%	-	2.33%	2.67%	2.37%	3.06%	Upgrade
Payout Ratio	21.59%	21.59%	19.10%	22.25%	16.08%	19.01%	Upgrade
Total Shareholder Return	1.78%	-	2.33%	2.67%	2.37%	3.06%	Upgrade

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