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Ballston SpA BancorpBSPA +0.02%56 Shiller PE Ratio is 11.49 as of Sep. 16, 2026, which is 15% below its 10-year median of 13.51. 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 1,235 Banks companies, Ballston SpA Bancorp ranks worse than 55.22% on this metric.
Ballston SpA Bancorp does not have a history long enough to calculate E10. Therefore GuruFocus does not calculate Shiller PE Ratio for this company.
Shiller PE for Stocks: The True Measure of Stock Valuation
Ballston SpA Bancorp (OTCPK:BSPA) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Ballston SpA Bancorp Shiller PE Ratio Related Terms
Ballston SpA Bancorp Shiller PE Ratio Historical Data
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The historical data trend for Ballston SpA Bancorp's Shiller PE 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.
BSPA vs LSFG, CEFC, HLFN: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Ballston SpA Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ballston SpA Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Ballston SpA Bancorp's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Ballston SpA Bancorp does not have a history long enough to calculate E10. Therefore GuruFocus does not calculate Shiller PE Ratio for this company.
Ballston SpA Bancorp (BSPA) has a Shiller PE Ratio of 11.49 as of Sep. 16, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Ballston SpA Bancorp and its competitors. This is 15% below median its historical median of 13.51. Over the past decade, Ballston SpA Bancorp's Shiller PE Ratio has ranged from 11.83 to 15.27. According to the industry distribution chart, Ballston SpA Bancorp ranks #682 out of 1235 companies in the Banks industry, placing it in the top 55.2%.
Is Ballston SpA Bancorp's Shiller PE Ratio too high?
Ballston SpA Bancorp's current Shiller PE Ratio of 11.49 is 15% below median its 10-year median of 13.51. Over the past 10 years, this metric has ranged from a low of 11.83 to a high of 15.27. The Banks industry median Shiller PE Ratio is 13.95. Ballston SpA Bancorp's value of 11.49 is 17.6% below this industry median. Based on the distribution chart, Ballston SpA Bancorp ranks #682 out of 1235 companies in the Banks industry, which is below 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 Shiller PE Ratio compare to LSFG and CEFC?
According to the Banks industry distribution chart, Ballston SpA Bancorp ranks #682 out of 1235 companies for Shiller PE Ratio. This places Ballston SpA Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 13.95. Ballston SpA Bancorp's value of 11.49 is 17.6% below this benchmark. Historically, Ballston SpA Bancorp's own Shiller PE Ratio has ranged from 11.83 to 15.27 over the past decade. While the company's 10-year median is 13.51 vs. the industry median of 13.95, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.95, based on 1,235 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ballston SpA Bancorp's current Shiller PE Ratio of 11.49 is 17.6% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Ballston SpA Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ballston SpA Bancorp's current Shiller PE Ratio is 11.49, which is 15% below median its own 10-year median of 13.51. 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 $80.22 — trading 12.3% above its estimated fair value. The current Shiller PE Ratio is 11.49, which is 15% below median its 10-year median of 13.51 and 17.6% below the Banks industry median of 13.95. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Ballston SpA Bancorp (BSPA), the current Shiller PE Ratio is 11.49 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 $80.22 is trading 12.3% above its estimated GF Value™ of $71.45.
GuruFocus considers Ballston SpA Bancorp to be Modestly Overvalued.
Key valuation signals for BSPA:
Shiller PE Ratio: 11.49 (15% below median its 10-year median of 13.51)
GF Value™: $71.45 vs. price of $80.22 (12.3% above fair value)
Industry Position: 17.6% below the Banks median (#682 of 1235)
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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