Pathfinder Financial Statements From 2010 to 2026

PBHC Stock  USD 14.14  0.01  0.07%   
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
4.1425
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 72.7 M, whereas Enterprise Value is forecasted to decline to about 61.8 M.

Pathfinder Bancorp Total Revenue

100.8 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 45.1 M or Selling General Administrative of 22.6 M, as well as many indicators such as Price To Sales Ratio of 2.06, Dividend Yield of 0.0175 or PTB Ratio of 1.2. 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

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.8 B1.7 B987.5 M
Slightly volatile
Short and Long Term Debt Total164.8 M157 M101 M
Slightly volatile
Other Current Liabilities1.5 B1.4 B795.1 M
Slightly volatile
Total Current Liabilities1.5 B1.5 B834.2 M
Slightly volatile
Total Stockholder Equity146.7 M139.7 M82.5 M
Slightly volatile
Property Plant And Equipment Net44.8 M42.6 M21.3 M
Slightly volatile
Retained Earnings94 M89.5 M49.5 M
Slightly volatile
Cash18.7 M36.3 M24.5 M
Slightly volatile
Non Current Assets Total1.4 B1.3 B795.8 M
Slightly volatile
Non Currrent Assets Other65.8 M62.6 M37.1 M
Slightly volatile
Other Assets509.1 M268.2 M601.5 M
Slightly volatile
Cash And Short Term Investments363.3 M346 M187.6 M
Slightly volatile
Net Receivables8.3 M7.9 MM
Slightly volatile
Common Stock Shares Outstanding3.6 M5.5 M4.6 M
Very volatile
Liabilities And Stockholders Equity1.8 B1.7 B987.5 M
Slightly volatile
Non Current Liabilities Total58.9 M100.4 M67.7 M
Slightly volatile
Other Stockholder Equity63.7 M60.7 M33.9 M
Slightly volatile
Total Liabilities1.6 B1.6 B904.8 M
Slightly volatile
Total Current Assets371.6 M354 M191.6 M
Slightly volatile
Intangible Assets5.7 M5.4 M1.4 M
Slightly volatile
Common Stock106.6 K54.9 K160.1 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 Investments325.2 M309.7 M161.9 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 Debt73.7 M70.2 M39.3 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 MM4.7 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

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.1 M1.5 M1.1 M
Slightly volatile
Interest Expense45.1 M43 M14 M
Slightly volatile
Selling General Administrative22.6 M21.5 M14.1 M
Slightly volatile
Total Revenue100.8 M96 M45.6 M
Slightly volatile
Gross Profit20.3 M40.4 M26.7 M
Slightly volatile
Other Operating Expenses94.6 M90.1 M39.3 M
Slightly volatile
Operating Income4.5 M5.9 M6.2 M
Slightly volatile
EBIT4.5 M5.9 M6.2 M
Slightly volatile
EBITDA5.6 M7.5 M7.3 M
Slightly volatile
Cost Of Revenue58.4 M55.6 M17.6 M
Slightly volatile
Income Before Tax4.5 M5.9 M6.2 M
Slightly volatile
Net Income3.5 M3.9 M4.8 M
Slightly volatile
Income Tax Expense362.7 K381.8 K1.2 M
Pretty Stable
Net Income Applicable To Common Shares15.6 M14.9 M6.7 M
Slightly volatile
Selling And Marketing Expenses769.3 K694.6 K703.2 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

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow6.1 M3.3 M8.2 M
Slightly volatile
Begin Period Cash Flow58.8 M56 M27 M
Slightly volatile
Depreciation1.1 M1.5 M1.1 M
Slightly volatile
Dividends Paid2.9 M2.7 M1.3 M
Slightly volatile
Capital Expenditures10.1 M9.6 M3.6 M
Slightly volatile
Total Cash From Operating Activities8.1 M12.9 M11.3 M
Slightly volatile
Net Income3.5 M3.9 M4.8 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

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.061.471.6267
Slightly volatile
Dividend Yield0.01750.02010.0201
Pretty Stable
PTB Ratio1.21.010.819
Pretty Stable
Days Sales Outstanding36.634.634.1599
Pretty Stable
Book Value Per Share18.8417.9416.7351
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 Ratio1.21.010.819
Pretty Stable
EV To Sales3.942.913.2949
Pretty Stable
Free Cash Flow Per Share0.40.421.7534
Pretty Stable
ROIC0.01950.01610.0275
Pretty Stable
Net Income Per Share0.570.51.0395
Slightly volatile
Payables Turnover83.6779.6850.6593
Slightly volatile
Sales General And Administrative To Revenue0.260.20.352
Slightly volatile
Capex To Revenue0.0520.08980.0739
Pretty Stable
Cash Per Share46.6644.4437.8553
Slightly volatile
POCF Ratio10.2710.947.4121
Pretty Stable
Interest Coverage0.120.13810.8259
Pretty Stable
Payout Ratio0.520.810.308
Slightly volatile
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
ROE0.04660.02510.0602
Very volatile
EV To Operating Cash Flow19.6521.7115.1269
Pretty Stable
PE Ratio24.2336.2516.0336
Slightly volatile
Return On Tangible Assets0.0040.00210.0052
Pretty Stable
EV To Free Cash Flow69.5266.2131.0665
Slightly volatile
Earnings Yield0.05360.02850.0819
Very volatile
Intangibles To Total Assets0.01110.00860.0073
Slightly volatile
Current Ratio0.110.220.2174
Pretty Stable
Tangible Book Value Per Share17.1316.3115.5887
Slightly volatile
Receivables Turnover9.1910.9211.1139
Pretty Stable
Graham Number10.4214.218.9672
Slightly volatile
Shareholders Equity Per Share18.8417.9416.7035
Slightly volatile
Debt To Equity1.631.291.2104
Slightly volatile
Capex Per Share1.291.230.6699
Slightly volatile
Average Receivables1.5 M1.6 M1.4 M
Slightly volatile
Revenue Per Share12.9512.338.9412
Slightly volatile
Interest Debt Per Share13.7825.6822.4066
Slightly volatile
Debt To Assets0.130.110.1013
Slightly volatile
Enterprise Value Over EBITDA24.6837.4519.4876
Slightly volatile
Short Term Coverage Ratios0.20.211.0583
Very volatile
Price Earnings Ratio24.2336.2516.0336
Slightly volatile
Operating Cycle36.634.634.1599
Pretty Stable
Price Book Value Ratio1.21.010.819
Pretty Stable
Days Of Payables Outstanding3.523.7110.023
Very volatile
Dividend Payout Ratio0.520.810.308
Slightly volatile
Price To Operating Cash Flows Ratio10.2710.947.4121
Pretty Stable
Price To Free Cash Flows Ratio35.0433.3715.1949
Slightly volatile
Pretax Profit Margin0.05280.05560.1552
Slightly volatile
Operating Profit Margin0.05280.05560.1552
Slightly volatile
Effective Tax Rate0.07030.0740.2014
Slightly volatile
Company Equity Multiplier9.7310.9311.5784
Pretty Stable
Long Term Debt To Capitalization0.550.370.4116
Slightly volatile
Total Debt To Capitalization0.640.610.5368
Slightly volatile
Return On Capital Employed0.02940.02220.0427
Pretty Stable
Debt Equity Ratio1.631.291.2104
Slightly volatile
Ebit Per Revenue0.05280.05560.1552
Slightly volatile
Quick Ratio0.110.220.2174
Pretty Stable
Dividend Paid And Capex Coverage Ratio0.890.943.1992
Pretty Stable
Net Income Per E B T0.60.590.7402
Pretty Stable
Cash Ratio0.04090.02870.0334
Pretty Stable
Cash Conversion Cycle30.4229.8624.4623
Pretty Stable
Operating Cash Flow Sales Ratio0.180.120.2669
Very volatile
Days Of Sales Outstanding36.634.634.1599
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.280.30.6212
Pretty Stable
Cash Flow Coverage Ratios0.0880.07390.1237
Pretty Stable
Price To Book Ratio1.21.010.819
Pretty Stable
Fixed Asset Turnover2.662.592.121
Slightly volatile
Capital Expenditure Coverage Ratio1.151.216.3145
Very volatile
Price Cash Flow Ratio10.2710.947.4121
Pretty Stable
Enterprise Value Multiple24.6837.4519.4876
Slightly volatile
Debt Ratio0.130.110.1013
Slightly volatile
Cash Flow To Debt Ratio0.0880.07390.1237
Pretty Stable
Price Sales Ratio2.061.471.6267
Slightly volatile
Return On Assets0.0040.00210.0052
Pretty Stable
Asset Turnover0.05790.06510.0453
Slightly volatile
Net Profit Margin0.03460.03650.1179
Pretty Stable
Gross Profit Margin0.50.380.6628
Pretty Stable
Price Fair Value1.21.010.819
Pretty Stable
Return On Equity0.04660.02510.0602
Very volatile

Pathfinder Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap72.7 M69.2 M55.3 M
Slightly volatile
Enterprise Value61.8 M119.3 M103.9 M
Slightly volatile

Pathfinder Fundamental Market Drivers

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 Revenue96 M100.8 M
Cost Of Revenue55.6 M58.4 M
Sales General And Administrative To Revenue 0.20  0.26 
Capex To Revenue 0.09  0.05 
Revenue Per Share 12.33  12.95 
Ebit Per Revenue 0.06  0.05 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
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:
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 Financial Widgets module to easily integrated Macroaxis content with over 30 different plug-and-play financial widgets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
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. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. 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.
Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.