Pathfinder Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Pathfinder Bancorp
PBHC Stock  USD 12.97  0.07  0.54%   
Pathfinder Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Pathfinder Bancorp's valuation are provided below:
Gross Profit
39 M
Profit Margin
0.0581
Market Capitalization
92.1 M
Enterprise Value Revenue
3.9528
Revenue
39 M
We have found one hundred twenty available trending fundamental ratios for Pathfinder Bancorp, which can be analyzed and compared to other ratios and to its competitors. Investors should ensure to check out all of Pathfinder Bancorp's recent performance against the performance from 2010 to 2026 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 83.9 M. The current year's Enterprise Value is expected to grow to about 174.4 M

Pathfinder Bancorp Total Revenue

83.11 Million

Check Pathfinder Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Pathfinder Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.1 M, Interest Expense of 33.9 M or Selling General Administrative of 10.2 M, as well as many indicators such as Price To Sales Ratio of 2.02, Dividend Yield of 0.0177 or PTB Ratio of 1.19. Pathfinder financial statements analysis is a perfect complement when working with Pathfinder Bancorp Valuation or Volatility modules.
  
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Check out the analysis of Pathfinder Bancorp Correlation against competitors.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

Pathfinder Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.5 B1.4 B954.8 M
Slightly volatile
Short and Long Term Debt Total75.9 M107.2 M92.8 M
Slightly volatile
Other Current Liabilities1.5 B1.4 B795.1 M
Slightly volatile
Total Current Liabilities41.8 M44 M663.7 M
Slightly volatile
Total Stockholder Equity127 M121 M80.3 M
Slightly volatile
Property Plant And Equipment Net36.7 M35 M20.4 M
Slightly volatile
Retained Earnings37.2 M71.9 M45.1 M
Slightly volatile
Cash18.5 M11.5 M23.1 M
Slightly volatile
Non Current Assets Total44.4 M46.7 M639.3 M
Slightly volatile
Non Currrent Assets Other1.2 M1.3 M29.7 M
Very volatile
Other Assets205.7 M216.5 M580.7 M
Slightly volatile
Cash And Short Term Investments302.8 M288.3 M180.6 M
Slightly volatile
Net Receivables917.2 M873.6 M108.4 M
Slightly volatile
Common Stock Shares Outstanding3.7 M6.3 M4.7 M
Very volatile
Liabilities And Stockholders Equity1.5 B1.4 B954.8 M
Slightly volatile
Non Current Liabilities Total1.3 B1.3 B210.3 M
Slightly volatile
Other Stockholder Equity57.1 M54.4 M33.2 M
Slightly volatile
Total Liabilities1.4 B1.3 B874.4 M
Slightly volatile
Total Current Assets1.2 B1.2 B289 M
Slightly volatile
Intangible Assets5.6 M5.4 M1.4 M
Slightly volatile
Common Stock104.6 K62 K160.4 K
Slightly volatile
Other Liabilities5.9 M10.8 M7.2 M
Slightly volatile
Accounts Payable466.8 K491.4 K9.9 M
Slightly volatile
Long Term Debt50.6 M65.8 M55.7 M
Slightly volatile
Good Will4.3 M5.8 M4.4 M
Slightly volatile
Short Term Investments290.7 M276.8 M157.9 M
Slightly volatile
Property Plant Equipment28.7 M27.4 M18.7 M
Slightly volatile
Common Stock Total Equity0.05460.057522.6 K
Slightly volatile
Other Current Assets50.6 M53.3 M194.8 M
Slightly volatile
Property Plant And Equipment Gross75 M71.4 M28.9 M
Slightly volatile
Short Term Debt33.6 M44 M35.4 M
Slightly volatile
Preferred Stock Total Equity12.2 M14.9 M12.7 M
Slightly volatile
Net Tangible Assets64.1 M118.1 M67.4 M
Slightly volatile
Retained Earnings Total Equity28.7 M33.1 M28.4 M
Slightly volatile
Long Term Debt Total15.8 M13.6 M17.8 M
Slightly volatile
Capital Surpluse59.6 M56.8 M34.6 M
Slightly volatile
Non Current Liabilities Other4.5 M4 M4.7 M
Slightly volatile
Long Term Investments521.7 M496.9 M244.3 M
Slightly volatile
Warrants286.4 K322.2 K351.7 K
Slightly volatile
Short and Long Term Debt52.8 M70.2 M55.1 M
Very volatile
Earning Assets237.9 M329.6 M226.2 M
Slightly volatile
Net Invested Capital248.1 M275.6 M199 M
Slightly volatile
Capital Stock63.6 K70.2 K52.4 K
Slightly volatile
Capital Lease Obligations22.1 M21.1 M6.2 M
Slightly volatile

Pathfinder Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.1 M2.2 M1.1 M
Slightly volatile
Interest Expense33.9 M32.3 M12.7 M
Slightly volatile
Selling General Administrative10.2 M19.3 M13.2 M
Slightly volatile
Total Revenue83.1 M79.1 M43.6 M
Slightly volatile
Gross Profit20.8 M30.5 M26.2 M
Slightly volatile
Other Operating Expenses87.4 M83.2 M38.4 M
Slightly volatile
Cost Of Revenue51.1 M48.7 M16.7 M
Slightly volatile
Net Income Applicable To Common Shares15.6 M14.9 M6.7 M
Slightly volatile
Selling And Marketing Expenses752.7 K459 K688.3 K
Slightly volatile
Net Income From Continuing Ops5.8 M5.6 M5.3 M
Slightly volatile
Tax Provision362.7 K381.8 K1.3 M
Very volatile
Net Interest Income32.4 M46.4 M27.7 M
Slightly volatile
Interest Income45.1 M89.4 M39.1 M
Slightly volatile
Reconciled Depreciation996.4 K1.2 M1.2 M
Pretty Stable
Extraordinary Items124 K139.5 K152.3 K
Slightly volatile

Pathfinder Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow6.1 M3.3 M8.2 M
Slightly volatile
Begin Period Cash Flow18.4 M31.6 M23.2 M
Slightly volatile
Depreciation1.1 M1.5 M1.1 M
Slightly volatile
Dividends Paid2.9 M2.7 M1.3 M
Slightly volatile
Total Cash From Operating Activities8.1 M12.9 M11.3 M
Slightly volatile
End Period Cash Flow18.6 M36.3 M24.3 M
Slightly volatile
Change To Inventory4.3 K4.5 K122.9 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.021.12191.6038
Slightly volatile
Dividend Yield0.01770.02830.0206
Slightly volatile
PTB Ratio1.190.7340.8022
Very volatile
Days Sales Outstanding4.2 K4 K516
Slightly volatile
Book Value Per Share20.1819.222916.8894
Slightly volatile
Free Cash Flow Yield0.02310.02430.138
Pretty Stable
Operating Cash Flow Per Share1.331.662.4027
Slightly volatile
Stock Based Compensation To Revenue0.00320.00340.0107
Pretty Stable
Capex To Depreciation5.895.613.0137
Slightly volatile
PB Ratio1.190.7340.8022
Very volatile
EV To Sales3.892.33113.2579
Very volatile
Free Cash Flow Per Share0.40.421.7534
Pretty Stable
Payables Turnover83.6779.6850.6593
Slightly volatile
Sales General And Administrative To Revenue0.250.24390.354
Slightly volatile
Capex To Revenue0.0520.08980.0739
Pretty Stable
Cash Per Share48.1145.819638.0218
Slightly volatile
POCF Ratio10.2710.947.4121
Pretty Stable
Capex To Operating Cash Flow0.70.670.3758
Pretty Stable
PFCF Ratio35.0433.3715.1949
Slightly volatile
Days Payables Outstanding3.523.7110.023
Very volatile
Income Quality3.63.812.4222
Slightly volatile
EV To Operating Cash Flow19.6521.7115.1269
Pretty Stable
EV To Free Cash Flow69.5266.2131.0665
Slightly volatile
Intangibles To Total Assets0.0110.00730.0072
Slightly volatile
Current Ratio27.7326.40683.3825
Slightly volatile
Tangible Book Value Per Share18.4517.567415.7403
Slightly volatile
Receivables Turnover0.08610.09069.9413
Slightly volatile
Shareholders Equity Per Share20.1819.222916.8578
Slightly volatile
Debt To Equity1.610.88641.1855
Slightly volatile
Capex Per Share1.291.230.6699
Slightly volatile
Average Receivables1.5 M1.6 M1.4 M
Slightly volatile
Revenue Per Share13.2112.57748.9711
Slightly volatile
Interest Debt Per Share13.9122.175122.2081
Slightly volatile
Debt To Assets0.130.07520.0993
Slightly volatile
Graham Number10.4214.218.9672
Slightly volatile
Short Term Coverage Ratios0.20.211.0583
Very volatile
Operating Cycle4.2 K4 K516
Slightly volatile
Price Book Value Ratio1.190.7340.8022
Very volatile
Days Of Payables Outstanding3.523.7110.023
Very volatile
Price To Operating Cash Flows Ratio10.2710.947.4121
Pretty Stable
Price To Free Cash Flows Ratio35.0433.3715.1949
Slightly volatile
Effective Tax Rate0.250.16520.2173
Slightly volatile
Company Equity Multiplier9.7211.781311.6279
Pretty Stable
Long Term Debt To Capitalization0.540.27350.4053
Pretty Stable
Total Debt To Capitalization0.630.46990.528
Slightly volatile
Debt Equity Ratio1.610.88641.1855
Slightly volatile
Quick Ratio27.7326.40683.3825
Slightly volatile
Dividend Paid And Capex Coverage Ratio0.890.943.1992
Pretty Stable
Net Income Per E B T0.610.83480.7552
Pretty Stable
Cash Ratio0.270.26180.0606
Slightly volatile
Cash Conversion Cycle4.2 K4 K507
Slightly volatile
Operating Cash Flow Sales Ratio0.180.120.2669
Very volatile
Days Of Sales Outstanding4.2 K4 K516
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.280.30.6212
Pretty Stable
Cash Flow Coverage Ratios0.0880.07390.1237
Pretty Stable
Price To Book Ratio1.190.7340.8022
Very volatile
Fixed Asset Turnover2.652.2622.1011
Slightly volatile
Capital Expenditure Coverage Ratio1.151.216.3145
Very volatile
Price Cash Flow Ratio10.2710.947.4121
Pretty Stable
Debt Ratio0.130.07520.0993
Slightly volatile
Cash Flow To Debt Ratio0.0880.07390.1237
Pretty Stable
Price Sales Ratio2.021.12191.6038
Slightly volatile
Asset Turnover0.0580.05550.0447
Slightly volatile
Gross Profit Margin0.50.38520.6631
Pretty Stable
Price Fair Value1.190.7340.8022
Very volatile

Pathfinder Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap83.9 M79.9 M58.6 M
Slightly volatile
Enterprise Value174.4 M166 M125.5 M
Slightly volatile

Pathfinder Fundamental Market Drivers

Cash And Short Term Investments288.3 M
Forward Annual Dividend Rate0.4

Pathfinder Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Pathfinder Bancorp Financial Statements

Pathfinder Bancorp stakeholders use historical fundamental indicators, such as Pathfinder Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although Pathfinder Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in Pathfinder Bancorp's assets and liabilities are reflected in the revenues and expenses on Pathfinder Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Pathfinder Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-2 M-2.1 M
Total Revenue79.1 M83.1 M
Cost Of Revenue48.7 M51.1 M
Sales General And Administrative To Revenue 0.24  0.25 
Capex To Revenue 0.09  0.05 
Revenue Per Share 12.58  13.21 
Ebit Per Revenue(0.05)(0.05)

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When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock:
How To Invest In Pathfinder
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Is Pathfinder Stock a good investment?
Details
What is Pathfinder Bancorp's Net Worth?
Details
Largest Regional Banks Companies
View
Largest Banks - Regional Companies
View
Check out the analysis of Pathfinder Bancorp Correlation against competitors.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.
You can also try the ETF Categories module to list of ETF categories grouped based on various criteria, such as the investment strategy or type of investments.
Will Regional Banks sector continue expanding? Could Pathfinder diversify its offerings? Factors like these will boost the valuation of Pathfinder Bancorp. Anticipated expansion of Pathfinder directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Pathfinder Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
(0.98)
Earnings Share
1.2
Revenue Per Share
6.373
Quarterly Revenue Growth
(0.22)
Return On Assets
0.0025
The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Piotroski
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Beneish
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Financial
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Buy or Sell
Advice
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Analysis
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It's important to distinguish between Pathfinder Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pathfinder Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Pathfinder Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
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