Why is Ballston Spa Bancorp, Inc. ?
1
With ROA of 0.58%, it has a fair valuation with a 0.85 Price to Book Value
- Over the past year, while the stock has generated a return of 9.23%, its profits have risen by 13.8%
2
Underperformed the market in the last 1 year
- The stock has generated a return of 9.23% in the last 1 year, much lower than market (S&P 500) returns of 30.71%
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality key factors
Factor
Value
Sales Growth (5y)
13.10%
EBIT Growth (5y)
2.23%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
18.73%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.85
EV to EBIT
9.27
EV to EBITDA
9.27
EV to Capital Employed
0.85
EV to Sales
1.42
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
9.21%
ROE (Latest)
7.67%
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Movement
3What is working for the Company
NII(Q)
Highest at USD 6.52 MM
NET SALES(Q)
Highest at USD 11.03 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Ballston Spa Bancorp, Inc.
NII
Highest at USD 6.52 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 11.03 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)






