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Ballston SpA BancorpBSPA 56 Cyclically Adjusted PS Ratio is 2.17 as of Sep. 16, 2026, which is 2% below its 10-year median of 2.22. GuruFocus rates BSPA with a GF Score™ of 56/100 and a GF Value™ of $71.45 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,301 Banks companies, Ballston SpA Bancorp ranks better than 70.79% on this metric.
Ballston SpA Bancorp (OTCPK:BSPA) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Ballston SpA Bancorp Cyclically Adjusted PS Ratio Related Terms
Ballston SpA Bancorp Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Ballston SpA Bancorp's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ballston SpA Bancorp Cyclically Adjusted PS Ratio Chart
BSPA vs LSFG, CEFC, HLFN: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Ballston SpA Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ballston SpA Bancorp Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's Cyclically Adjusted PS Ratio falls into.
Ballston SpA Bancorp Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
Ballston SpA Bancorp does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.
What does a Cyclically Adjusted PS Ratio of 2.17 mean?
Ballston SpA Bancorp (BSPA) has a Cyclically Adjusted PS Ratio of 2.17 as of Sep. 16, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ballston SpA Bancorp and its competitors. This is near median its historical median of 2.22. Over the past decade, Ballston SpA Bancorp's Cyclically Adjusted PS Ratio has ranged from 2.00 to 2.40. According to the industry distribution chart, Ballston SpA Bancorp ranks #380 out of 1301 companies in the Banks industry, placing it in the top 29.2%.
Is Ballston SpA Bancorp's Cyclically Adjusted PS Ratio too high?
Ballston SpA Bancorp's current Cyclically Adjusted PS Ratio of 2.17 is near median its 10-year median of 2.22. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 2.40. The Banks industry median Cyclically Adjusted PS Ratio is 3.45. Ballston SpA Bancorp's value of 2.17 is 37.1% below this industry median. Based on the distribution chart, Ballston SpA Bancorp ranks #380 out of 1301 companies in the Banks industry, which is above the industry midpoint. Overall, Ballston SpA Bancorp has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ballston SpA Bancorp's Cyclically Adjusted PS Ratio compare to LSFG and CEFC?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #380 out of 1301 companies for Cyclically Adjusted PS Ratio. This puts Ballston SpA Bancorp in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.45. Ballston SpA Bancorp's value of 2.17 is 37.1% below this benchmark. Historically, Ballston SpA Bancorp's own Cyclically Adjusted PS Ratio has ranged from 2.00 to 2.40 over the past decade. While the company's 10-year median is 2.22 vs. the industry median of 3.45, Ballston SpA Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.45, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ballston SpA Bancorp's current Cyclically Adjusted PS Ratio of 2.17 is 37.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current Cyclically Adjusted PS Ratio is 2.17, which is near median its own 10-year median of 2.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ballston SpA Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Ballston SpA Bancorp (BSPA) is currently considered Modestly Overvalued. The stock's GF Value™ is $71.45, compared to a current price of $80.20 — trading 12.2% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.17, which is near median its 10-year median of 2.22 and 37.1% below the Banks industry median of 3.45. Ballston SpA Bancorp's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Cyclically Adjusted PS Ratio is 2.17 as of Sep. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ballston SpA Bancorp (BSPA) Overvalued in 2026?
Based on GuruFocus' analysis, Ballston SpA Bancorp stock appears to be overvalued.
The current stock price of $80.20 is trading 12.2% above its estimated GF Value™ of $71.45.
GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.
Key valuation signals for BSPA:
Cyclically Adjusted PS Ratio: 2.17 (near median its 10-year median of 2.22)
GF Value™: $71.45 vs. price of $80.20 (12.2% above fair value)
Industry Position: 37.1% below the Banks median (#380 of 1301)
No single metric tells the full story. See the BSPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ballston SpA Bancorp Inc is a bank-based financial services company. The parent company's banking subsidiary, Ballston Spa National Bank, is a community-based commercial bank and provides banking, financing, fiduciary, brokerage and other financial services to corporate, municipal, and individual customers through its thirteen branch offices.
56GF Score
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