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Ballston SpA BancorpBSPA +1.48%61 Return-on-Tangible-Asset is 0.24% as of Dec. 2025, which is 61% below its 10-year median of 0.61. GuruFocus rates BSPA with a GF Score™ of 61/100 and a GF Value™ of $68.23 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,528 Banks companies, Ballston SpA Bancorp ranks worse than 78.53% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Ballston SpA Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $2.22 Mil. Ballston SpA Bancorp's average total tangible assets for the quarter that ended in Dec. 2025 was $920.56 Mil. Therefore, Ballston SpA Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.24%.
The historical rank and industry rank for Ballston SpA Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
BSPA'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.29 Med: 0.61 Max: 0.99
Current: 0.5
During the past 11 years, Ballston SpA Bancorp's highest Return-on-Tangible-Asset was 0.99%. The lowest was 0.29%. And the median was 0.61%.
BSPA's Return-on-Tangible-Asset is ranked worse than 78.53% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs BSPA: 0.50
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Ballston SpA Bancorp Return-on-Tangible-Asset Related Terms
Ballston SpA Bancorp Return-on-Tangible-Asset Historical Data
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The historical data trend for Ballston SpA Bancorp's Return-on-Tangible-Asset 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.
BSPA vs GVYB, CIZN, MBKL: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Ballston SpA Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.24% mean?
Ballston SpA Bancorp (BSPA) has a Return-on-Tangible-Asset of 0.24% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ballston SpA Bancorp and its competitors. This is 61% below median its historical median of 0.61. Over the past decade, Ballston SpA Bancorp's Return-on-Tangible-Asset has ranged from 0.29 to 0.99. According to the industry distribution chart, Ballston SpA Bancorp ranks #1200 out of 1528 companies in the Banks industry, placing it in the top 78.5%.
Is Ballston SpA Bancorp's Return-on-Tangible-Asset too high?
Ballston SpA Bancorp's current Return-on-Tangible-Asset of 0.24% is 61% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 0.99. The Banks industry median Return-on-Tangible-Asset is 1.01. Ballston SpA Bancorp's value of 0.24% is 76.2% below this industry median. Based on the distribution chart, Ballston SpA Bancorp ranks #1200 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ballston SpA Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ballston SpA Bancorp's Return-on-Tangible-Asset compare to GVYB and CIZN?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #1200 out of 1528 companies for Return-on-Tangible-Asset. This places Ballston SpA Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Ballston SpA Bancorp's value of 0.24% is 76.2% below this benchmark. Historically, Ballston SpA Bancorp's own Return-on-Tangible-Asset has ranged from 0.29 to 0.99 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ballston SpA Bancorp's current Return-on-Tangible-Asset of 0.24% is 76.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current Return-on-Tangible-Asset is 0.24%, which is 61% below median its own 10-year median of 0.61. 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 $68.23, compared to a current price of $78.25 — trading 14.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.24%, which is 61% below median its 10-year median of 0.61 and 76.2% below the Banks industry median of 1.01. Ballston SpA Bancorp's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Return-on-Tangible-Asset is 0.24% as of Dec. 2025. 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 $78.25 is trading 14.7% above its estimated GF Value™ of $68.23.
GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.
Key valuation signals for BSPA:
Return-on-Tangible-Asset: 0.24% (61% below median its 10-year median of 0.61)
GF Value™: $68.23 vs. price of $78.25 (14.7% above fair value)
Industry Position: 76.2% below the Banks median (#1200 of 1528)
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.
61GF Score
Get the complete analysis for BSPA
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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