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Ballston Spa Bancorp, Inc.
BSPAFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $44.18M | 10.3% | $4.55M | $2.03M | N/A |
| 2027 | $48.60M | 10.3% | $5.01M | $2.24M | $2.03M |
| 2028 | $53.46M | 10.3% | $5.51M | $2.46M | $2.03M |
| 2029 | $58.80M | 10.3% | $6.06M | $2.70M | $2.03M |
| 2030 | $64.68M | 10.3% | $6.66M | $2.98M | $2.03M |
| 2031 | $71.15M | 10.3% | $7.33M | $3.27M | $2.03M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $6.11 | 2025-12-31 |
| EPS growth | -13.3% | Forecast years: 5 |
| Future EPS | $2.993 | EPS × (1 + G)^5 |
| Base P/E | 11 | P/E |
| Future price | $32.925 | Future EPS × P/E |
| Fair value today | $20.444 | PV @ 10.0% |
| 30% safety price | $14.311 | Margin of safety |
| 50% safety price | $10.222 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$53.167 | -$46.052 | -$36.348 |
| 10.0% | -$60.354 | -$55.108 | -$48.247 |
| 11.0% | -$66.019 | -$62.024 | -$56.965 |