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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ballston SpA Bancorp's Enterprise Value is $23.66 Mil.
Ballston SpA Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $-0.93 Mil. Therefore, Ballston SpA Bancorp's EV-to-FCF for today is -25.55.
The historical rank and industry rank for Ballston SpA Bancorp's EV-to-FCF or its related term are showing as below:
BSPA'
s EV-to-FCF Range Over the Past 10 Years
Min: -59.72 Med: 430.06 Max: 3632.79
Current: -25.55
During the past 6 years, the highest EV-to-FCF of Ballston SpA Bancorp was 3632.79. The lowest was -59.72. And the median was 430.06.
BSPA's EV-to-FCF is ranked worse than 100% of 1188
companies
in the Banks industry
Industry Median: 7.185
vs BSPA: -25.55
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ballston SpA Bancorp's PE Ratio (TTM) for today is calculated as:
Ballston SpA Bancorp's share price for today is $80.20.
Ballston SpA Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.379.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ballston SpA Bancorp EV-to-FCF Related Terms
Ballston SpA Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ballston SpA Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Ballston SpA Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's EV-to-FCF falls into.
Ballston SpA Bancorp's current Enterprise Value is $23.66 Mil.
Ballston SpA Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.93 Mil.
* 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 (BSPA) has a EV-to-FCF of -25.55 as of Sep. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ballston SpA Bancorp and its competitors. According to the industry distribution chart, Ballston SpA Bancorp ranks #999999 out of 1188 companies in the Banks industry.
Is Ballston SpA Bancorp's EV-to-FCF too high?
Ballston SpA Bancorp's current EV-to-FCF is -25.55. Based on the distribution chart, Ballston SpA Bancorp ranks #999999 out of 1188 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to LSFG and CEFC?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #999999 out of 1188 companies for EV-to-FCF. This places Ballston SpA Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.19, based on 1,188 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current EV-to-FCF is -25.55. 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 $71.44, compared to a current price of $80.20 — trading 12.3% above its estimated fair value. The current EV-to-FCF is -25.55. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current EV-to-FCF is -25.55 as of Sep. 15, 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 12.3% above its estimated GF Value™ of $71.44.
GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.
Key valuation signals for BSPA:
EV-to-FCF: -25.55
GF Value™: $71.44 vs. price of $80.20 (12.3% above fair value)
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
Get the complete analysis for BSPA
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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