Pathfinder Financial Statements From 2010 to 2024

PBHC Stock  USD 18.00  0.10  0.56%   
Pathfinder Bancorp financial statements provide useful quarterly and yearly information to potential Pathfinder Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Pathfinder Bancorp financial statements helps investors assess Pathfinder Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Pathfinder Bancorp's valuation are summarized below:
Gross Profit
44.6 M
Profit Margin
0.0567
Market Capitalization
109.8 M
Enterprise Value Revenue
5.7755
Revenue
35.5 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 2024 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 84.7 M. The current year's Enterprise Value is expected to grow to about 163.1 M

Pathfinder Bancorp Total Revenue

20.89 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 902.2 K, Interest Expense of 30.2 M or Selling General Administrative of 9.5 M, as well as many indicators such as Price To Sales Ratio of 1.95, Dividend Yield of 0.017 or PTB Ratio of 1.23. Pathfinder financial statements analysis is a perfect complement when working with Pathfinder Bancorp Valuation or Volatility modules.
  
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 Assets1.5 B1.5 B897.7 M
Slightly volatile
Short and Long Term Debt Total222.2 M211.6 M98.7 M
Slightly volatile
Total Stockholder Equity125.5 M119.5 M74.7 M
Slightly volatile
Property Plant And Equipment Net12.9 M24 M16.7 M
Slightly volatile
Retained Earnings79.9 M76.1 M44 M
Slightly volatile
Cash51.2 M48.7 M25.4 M
Slightly volatile
Non Current Assets Total1.5 B1.4 B355.2 M
Slightly volatile
Other Assets1.7 B1.6 B838.3 M
Slightly volatile
Cash And Short Term Investments284.6 M271.1 M153.7 M
Slightly volatile
Net Receivables6.9 M7.3 M62.3 M
Slightly volatile
Common Stock Shares Outstanding3.7 MM4.7 M
Very volatile
Liabilities And Stockholders Equity1.5 B1.5 B897.7 M
Slightly volatile
Non Current Liabilities Total1.3 B1.2 B290.4 M
Slightly volatile
Other Stockholder Equity55.8 M53.1 M30.4 M
Slightly volatile
Total Liabilities1.4 B1.3 B812.1 M
Slightly volatile
Total Current Assets46.3 M48.7 M367 M
Very volatile
Common Stock108.7 K54.9 K173.4 K
Slightly volatile
Other Liabilities5.9 M10.8 M6.9 M
Slightly volatile
Accounts Payable2.1 M2.2 M11.2 M
Slightly volatile
Long Term Debt50.1 M79.8 M54.9 M
Slightly volatile
Good Will4.5 M5.2 M4.3 M
Slightly volatile
Short Term Investments271.7 M258.7 M141.3 M
Slightly volatile
Intangible Assets80.8 K85 K555.2 K
Slightly volatile
Property Plant Equipment28.7 M27.4 M18 M
Slightly volatile
Common Stock Total Equity0.05460.057525.6 K
Slightly volatile
Other Current Assets56.3 M59.2 M213.6 M
Slightly volatile
Property Plant And Equipment Gross50.1 M47.7 M22.2 M
Slightly volatile
Total Current Liabilities132 M125.7 M39.2 M
Slightly volatile
Short Term Debt156.1 M148.7 M42.8 M
Slightly volatile
Preferred Stock Total Equity12.2 M14.9 M12.6 M
Slightly volatile
Net Tangible Assets64.1 M118.1 M62.7 M
Slightly volatile
Retained Earnings Total Equity28.7 M33.1 M28.3 M
Slightly volatile
Long Term Debt Total15.8 M13.6 M18.2 M
Slightly volatile
Capital Surpluse59.6 M56.8 M32.6 M
Slightly volatile
Non Current Liabilities Other4.5 MM4.8 M
Slightly volatile
Long Term Investments228.5 M441.2 M195.4 M
Slightly volatile
Warrants286.4 K322.2 K350.8 K
Slightly volatile
Short and Long Term Debt132 M125.7 M58.9 M
Very volatile
Earning Assets237.9 M329.6 M218.2 M
Slightly volatile
Net Invested Capital245.9 M325 M191.1 M
Slightly volatile
Capital Stock63.1 K70.2 K51.2 K
Slightly volatile
Capital Lease Obligations4.5 M6.1 M3.3 M
Slightly volatile

Pathfinder Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization902.2 K1.3 M773.5 K
Slightly volatile
Interest Expense30.2 M28.7 M9.5 M
Slightly volatile
Selling General Administrative9.5 M16.8 M12.6 M
Slightly volatile
Total Revenue20.9 M41.2 M27 M
Slightly volatile
Gross Profit20.9 M41.2 M26.9 M
Slightly volatile
Other Operating Expenses64.1 M61.1 M17.9 M
Slightly volatile
Operating Income10.3 M11.8 M10.1 M
Slightly volatile
EBIT10.2 M11.8 M9.9 M
Slightly volatile
EBITDA11.1 M13.1 M10.6 M
Slightly volatile
Income Before Tax12.4 M11.8 M6.9 M
Slightly volatile
Net Income9.8 M9.3 MM
Slightly volatile
Income Tax Expense2.5 M2.4 M1.5 M
Slightly volatile
Cost Of Revenue94.9 K99.9 KM
Slightly volatile
Net Income Applicable To Common Shares15.6 M14.9 M5.8 M
Slightly volatile
Net Income From Continuing Ops5.8 M10.4 M5.3 M
Slightly volatile
Selling And Marketing Expenses815.1 K671 K725.7 K
Slightly volatile
Tax Provision1.8 M2.2 M1.5 M
Slightly volatile
Net Interest Income31.2 M40.5 M25.6 M
Slightly volatile
Interest Income41.1 M63.9 M32.9 M
Slightly volatile
Reconciled Depreciation985.9 K533 K1.1 M
Very volatile
Extraordinary Items124 K139.5 K151.9 K
Slightly volatile

Pathfinder Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow14.1 M13.5 M9.4 M
Slightly volatile
Begin Period Cash Flow37 M35.3 M22.1 M
Slightly volatile
Depreciation1.1 M1.3 M1.1 M
Slightly volatile
Dividends Paid2.3 M2.2 M1.1 M
Slightly volatile
Capital Expenditures1.8 MM2.3 M
Slightly volatile
Total Cash From Operating Activities7.9 M15.4 M11.2 M
Slightly volatile
Net Income9.8 M9.3 M5.4 M
Slightly volatile
Total Cash From Financing Activities45.4 M52.8 M68.6 M
Slightly volatile
End Period Cash Flow51.2 M48.7 M25.1 M
Slightly volatile
Change To Inventory4.3 K4.5 K138.6 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.952.05262.9122
Slightly volatile
Dividend Yield0.0170.02590.0188
Very volatile
PTB Ratio1.230.70730.8394
Pretty Stable
Days Sales Outstanding6.6 K6.3 K1.4 K
Slightly volatile
Book Value Per Share18.9519.93316.9486
Slightly volatile
Free Cash Flow Yield0.0960.15930.1484
Slightly volatile
Operating Cash Flow Per Share2.692.55792.4019
Slightly volatile
Stock Based Compensation To Revenue0.01270.01120.015
Pretty Stable
Capex To Depreciation1.381.46722.157
Very volatile
PB Ratio1.230.70730.8394
Pretty Stable
EV To Sales8.056.00785.3135
Pretty Stable
Free Cash Flow Per Share2.342.23211.9055
Slightly volatile
ROIC0.02960.03120.0578
Slightly volatile
Net Income Per Share1.621.54041.009
Slightly volatile
Payables Turnover2.32.592.8205
Slightly volatile
Sales General And Administrative To Revenue0.580.40810.5512
Slightly volatile
Capex To Revenue0.04540.04770.1113
Slightly volatile
Cash Per Share53.5150.96133.1685
Slightly volatile
POCF Ratio9.175.47717.1715
Slightly volatile
Interest Coverage0.390.411.5918
Slightly volatile
Payout Ratio0.220.23530.2383
Pretty Stable
Capex To Operating Cash Flow0.230.12740.3004
Slightly volatile
PFCF Ratio5.966.276710.834
Slightly volatile
Days Payables Outstanding101114124
Slightly volatile
Income Quality1.581.66062.1357
Pretty Stable
ROE0.04590.07780.0612
Slightly volatile
EV To Operating Cash Flow18.1916.031314.5469
Very volatile
PE Ratio8.649.095313.4979
Slightly volatile
Return On Tangible Assets0.0040.00640.0053
Very volatile
EV To Free Cash Flow30.0718.371823.5066
Very volatile
Earnings Yield0.120.10990.0828
Slightly volatile
Intangibles To Total Assets0.0030.00320.0066
Slightly volatile
Net Debt To EBITDA5.256.447.1953
Very volatile
Current Ratio0.370.3877172
Slightly volatile
Tangible Book Value Per Share17.9319.167115.9667
Slightly volatile
Receivables Turnover0.04470.0477.3894
Slightly volatile
Graham Number27.5126.200618.5443
Slightly volatile
Shareholders Equity Per Share20.819.806915.5095
Slightly volatile
Debt To Equity1.641.52861.2007
Slightly volatile
Capex Per Share0.30.32590.493
Pretty Stable
Average Receivables1.5 M1.6 M1.4 M
Slightly volatile
Revenue Per Share7.176.82565.975
Slightly volatile
Interest Debt Per Share36.7935.041621.3287
Slightly volatile
Debt To Assets0.130.12460.1
Slightly volatile
Enterprise Value Over EBITDA10.2612.6813.7303
Pretty Stable
Short Term Coverage Ratios0.120.12281.1472
Pretty Stable
Price Earnings Ratio8.649.095313.4979
Slightly volatile
Price Book Value Ratio1.230.70730.8394
Pretty Stable
Days Of Payables Outstanding101114124
Slightly volatile
Dividend Payout Ratio0.220.23530.2383
Pretty Stable
Price To Operating Cash Flows Ratio9.175.47717.1715
Slightly volatile
Price To Free Cash Flows Ratio5.966.276710.834
Slightly volatile
Pretax Profit Margin0.290.28620.279
Pretty Stable
Ebt Per Ebit0.310.580.5786
Slightly volatile
Operating Profit Margin0.270.28620.6587
Slightly volatile
Effective Tax Rate0.260.20040.2391
Slightly volatile
Company Equity Multiplier9.7612.266611.6532
Slightly volatile
Long Term Debt To Capitalization0.550.32290.4153
Slightly volatile
Total Debt To Capitalization0.640.60450.5316
Slightly volatile
Return On Capital Employed0.00840.00880.0142
Slightly volatile
Debt Equity Ratio1.641.52861.2007
Slightly volatile
Ebit Per Revenue0.270.28620.6587
Slightly volatile
Quick Ratio0.370.3877172
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.283.71593.5859
Slightly volatile
Net Income Per E B T0.810.78860.7364
Pretty Stable
Cash Ratio0.370.38777.2277
Slightly volatile
Operating Cash Flow Sales Ratio0.450.37480.4437
Very volatile
Days Of Sales Outstanding6.6 K6.3 K1.4 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.780.87260.7003
Slightly volatile
Cash Flow Coverage Ratios0.0880.08450.1312
Very volatile
Price To Book Ratio1.230.70730.8394
Pretty Stable
Fixed Asset Turnover1.271.71291.5279
Slightly volatile
Capital Expenditure Coverage Ratio4.587.84947.2148
Pretty Stable
Price Cash Flow Ratio9.175.47717.1715
Slightly volatile
Enterprise Value Multiple10.2612.6813.7303
Pretty Stable
Debt Ratio0.130.12460.1
Slightly volatile
Cash Flow To Debt Ratio0.0880.08450.1312
Very volatile
Price Sales Ratio1.952.05262.9122
Slightly volatile
Return On Assets0.00390.00630.0052
Very volatile
Asset Turnover0.02740.02810.0316
Very volatile
Net Profit Margin0.210.22570.2021
Pretty Stable
Gross Profit Margin0.780.870.951
Slightly volatile
Price Fair Value1.230.70730.8394
Pretty Stable
Return On Equity0.04590.07780.0612
Slightly volatile
Operating Cycle30.2634.0537.0737
Slightly volatile

Pathfinder Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap84.7 M80.7 M60.7 M
Slightly volatile
Enterprise Value163.1 M155.4 M119.9 M
Slightly volatile

Pathfinder Fundamental Market Drivers

Cash And Short Term Investments271.1 M

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 Revenue41.2 M20.9 M
Cost Of Revenue99.9 K94.9 K
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.41  0.58 
Capex To Revenue 0.05  0.05 
Revenue Per Share 6.83  7.17 
Ebit Per Revenue 0.29  0.27 

Also Currently Popular

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 Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
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)
Dividend Share
0.39
Earnings Share
0.32
Revenue Per Share
5.834
Quarterly Revenue Growth
(0.57)
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.