Fair value · Ballston Spa Bancorp, Inc. (BSPA) · updated 2026-09-13
Ballston Spa Bancorp trades at $82.92. That price implies a P/E of 34.8× and 10.0% yearly EPS growth for a decade.
Previous close (2026-04-02)
Are those assumptions reasonable? Use BSPA’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.
What the price implies
P/E
34.8×
price ÷ trailing EPS
EPS growth
10.0%
per year for 10 years, discounted at 10%
Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Previous close (2026-04-02).
Every method that could be solved backwards opens on the assumption today’s price makes, so the top range sits on the price — that is arithmetic, not a view. Change any input and it becomes yours.
We don’t tell you what BSPA is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has BSPA’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.
Discounted cash flow
N/A
Insufficient cash flow data
Preset inputs — revenue-driven DCF from the latest filing
Implied by today’s price
No free-cash-flow baseline in the filings yet.
Not solvable from the price — No free-cash-flow baseline in the filings yet. Showing preset inputs.
This method has no key input to read out of the price. The others below do, and you set them yourself: the growth matrix shows what BSPA has actually filed, and the AI chat will reason it through with you.
Your inputs
Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.
Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.
-20.0%60.0%
How long stage-1 growth lasts.
1 yrs10 yrs
Slower growth after stage 1, before the terminal phase.
-20.0%30.0%
0 yrs10 yrs
Growth forever after the two stages. Above ~3% is rarely justified.
0.0%5.0%
The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.
