Pathfinder Interest Expense from 2010 to 2026

PBHC Stock  USD 13.27  0.30  2.31%   
Pathfinder Bancorp's Interest Expense is increasing over the years with slightly volatile fluctuation. Overall, Interest Expense is expected to go to about 33.9 M this year. Interest Expense is the cost incurred by an entity for borrowed funds, including loans, bonds, or lines of credit. View All Fundamentals
 
Interest Expense  
First Reported
1998-03-31
Previous Quarter
8.1 M
Current Value
7.8 M
Quarterly Volatility
2.2 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
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.
Analyzing Pathfinder Bancorp's Interest Expense over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Interest Expense has evolved provides context for assessing Pathfinder Bancorp's current valuation and future prospects.

Latest Pathfinder Bancorp's Interest Expense Growth Pattern

Below is the plot of the Interest Expense of Pathfinder Bancorp over the last few years. It is the cost incurred by an entity for borrowed funds, including loans, bonds, or lines of credit. Pathfinder Bancorp's Interest Expense historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Pathfinder Bancorp's overall financial position and show how it may be relating to other accounts over time.
Interest Expense10 Years Trend
Slightly volatile
   Interest Expense   
       Timeline  

Pathfinder Interest Expense Regression Statistics

Arithmetic Mean12,724,625
Geometric Mean8,533,498
Coefficient Of Variation95.31
Mean Deviation9,678,679
Median7,532,000
Standard Deviation12,127,858
Sample Variance147.1T
Range34.8M
R-Value0.83
Mean Square Error50.1T
R-Squared0.68
Significance0.000046
Slope1,981,538
Total Sum of Squares2353.4T

Pathfinder Interest Expense History

202633.9 M
202532.3 M
202437.4 M
202328.7 M
20229.7 M
20217.5 M
202010.9 M

About Pathfinder Bancorp Financial Statements

Pathfinder Bancorp stakeholders use historical fundamental indicators, such as Pathfinder Bancorp's Interest Expense, 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
Interest Expense32.3 M33.9 M

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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:
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 Suggestion module to get suggestions outside of your existing asset allocation including your own model portfolios.
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.
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.