Pathfinder Historical Balance Sheet

PBHC Stock

USD 17.10 0.90 5.00%

Trend analysis of Pathfinder Bancorp balance sheet accounts such as Net Debt of 171 M, Retained Earnings of 79.9 M, Cash of 51.2 M or Non Current Assets Total of 1.5 B provides information on Pathfinder Bancorp's total assets, liabilities, and equity, which is the actual value of Pathfinder Bancorp to its prevalent stockholders. By breaking down trends over time using Pathfinder Bancorp balance sheet statements, investors will see what precisely the company owns and what it owes to creditors or other parties at the end of each accounting year.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Pathfinder Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Pathfinder Bancorp is a good buy for the upcoming year.

Pathfinder Bancorp Inventory

(648.85 Million)

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

About Pathfinder Balance Sheet Analysis

Balance Sheet is a snapshot of the financial position of Pathfinder Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Pathfinder Bancorp Balance Sheet has two main parts: assets and liabilities. Liabilities are the debts or obligations of Pathfinder Bancorp and are divided into current liabilities and long term liabilities. An asset, on the other hand, is anything of value that can be converted into cash and which Pathfinder currently owns. An asset can also be divided into two categories, current and non-current.

Pathfinder Bancorp Balance Sheet Chart

At present, Pathfinder Bancorp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 125.5 M, whereas Property Plant And Equipment Net is forecasted to decline to about 12.9 M.

Total Assets Short Long Term Debt Total Total Stockholder Equity Property Plant And Equipment Net

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Total Assets

Total assets refers to the total amount of Pathfinder Bancorp assets owned. Assets are items that have some economic value and are expended over time to create a benefit for the owner. These assets are usually recorded in Pathfinder Bancorp books under different categories such as cash, marketable securities, accounts receivable,prepaid expenses, inventory, fixed assets, intangible assets, other assets, marketable securities, accounts receivable, prepaid expenses and others. The total value of all owned resources that are expected to provide future economic benefits to the business, including cash, investments, accounts receivable, inventory, property, plant, equipment, and intangible assets.

Total Stockholder Equity

The total equity held by shareholders, calculated as the difference between a company's total assets and total liabilities. It represents the net value of the company owned by shareholders.

Property Plant And Equipment Net

The total value of a company's physical assets (such as land, buildings, and equipment) used in operations, net of depreciation. It reflects the company's investment in assets used for production.

Most accounts from Pathfinder Bancorp's balance sheet are interrelated and interconnected. However, analyzing balance sheet accounts one by one will only give a small insight into Pathfinder Bancorp current financial condition. On the other hand, looking into the entire matrix of balance sheet accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.At present, Pathfinder Bancorp's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 125.5 M, whereas Property Plant And Equipment Net is forecasted to decline to about 12.9 M.

	2021	2022	2023	2024 (projected)
Short and Long Term Debt Total	109.1M	152.6M	211.6M	222.2M
Total Assets	1.3B	1.4B	1.5B	1.5B

Short Long Term Debt Total Total Assets

Pathfinder Bancorp balance sheet Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Common Stock	Other Liab	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Inventory	Treasury Stock	Intangible Assets
Total Assets		0.93	0.96	0.8	0.91	0.96	0.92	0.66	0.45	-0.27	0.42	0.33	0.05	0.73	0.95	1.0	0.01	-0.43	0.77	-0.45	0.77	0.72	0.87	-0.21	0.71	-0.53
Short Long Term Debt Total	0.93		0.9	0.64	0.99	0.95	0.92	0.82	0.66	-0.36	0.23	0.24	0.02	0.84	0.86	0.93	-0.04	-0.37	0.64	-0.38	0.63	0.7	0.91	-0.39	0.64	-0.5
Total Stockholder Equity	0.96	0.9		0.76	0.88	0.96	0.89	0.68	0.51	-0.35	0.35	0.31	0.05	0.74	0.96	0.95	-0.05	-0.42	0.72	-0.44	0.66	0.72	0.82	-0.24	0.71	-0.54
Property Plant And Equipment Net	0.8	0.64	0.76		0.62	0.67	0.64	0.23	0.03	0.14	0.63	0.32	0.08	0.32	0.81	0.82	0.2	-0.53	0.9	-0.53	0.88	0.75	0.57	0.09	0.71	-0.53
Net Debt	0.91	0.99	0.88	0.62		0.93	0.87	0.8	0.67	-0.34	0.21	0.25	0.0	0.84	0.84	0.9	-0.01	-0.38	0.62	-0.39	0.59	0.7	0.9	-0.38	0.64	-0.51
Retained Earnings	0.96	0.95	0.96	0.67	0.93		0.93	0.75	0.54	-0.45	0.29	0.39	0.12	0.86	0.89	0.95	0.01	-0.36	0.68	-0.38	0.63	0.67	0.91	-0.25	0.61	-0.48
Cash	0.92	0.92	0.89	0.64	0.87	0.93		0.77	0.57	-0.39	0.27	0.2	0.1	0.76	0.85	0.91	-0.14	-0.3	0.65	-0.32	0.7	0.63	0.86	-0.38	0.58	-0.43
Non Current Assets Total	0.66	0.82	0.68	0.23	0.8	0.75	0.77		0.93	-0.55	-0.22	-0.19	-0.03	0.76	0.58	0.65	-0.48	-0.18	0.34	-0.2	0.25	0.49	0.78	-0.81	0.32	-0.27
Non Currrent Assets Other	0.45	0.66	0.51	0.03	0.67	0.54	0.57	0.93		-0.52	-0.39	-0.35	-0.05	0.61	0.43	0.43	-0.57	-0.05	0.12	-0.06	0.02	0.35	0.58	-0.87	0.27	-0.19
Other Assets	-0.27	-0.36	-0.35	0.14	-0.34	-0.45	-0.39	-0.55	-0.52		0.59	-0.26	-0.51	-0.72	-0.22	-0.21	0.42	-0.36	-0.05	-0.35	0.09	0.16	-0.23	0.3	0.17	-0.21
Cash And Short Term Investments	0.42	0.23	0.35	0.63	0.21	0.29	0.27	-0.22	-0.39	0.59		0.32	-0.18	-0.1	0.43	0.45	0.59	-0.46	0.38	-0.47	0.6	0.47	0.33	0.44	0.58	-0.65
Net Receivables	0.33	0.24	0.31	0.32	0.25	0.39	0.2	-0.19	-0.35	-0.26	0.32		0.37	0.49	0.3	0.32	0.69	-0.07	0.3	-0.07	0.25	0.1	0.2	0.72	0.19	-0.11
Common Stock Shares Outstanding	0.05	0.02	0.05	0.08	0.0	0.12	0.1	-0.03	-0.05	-0.51	-0.18	0.37		0.26	0.1	-0.02	-0.11	0.68	0.11	0.69	0.15	-0.34	-0.13	0.18	0.05	0.26
Non Current Liabilities Total	0.73	0.84	0.74	0.32	0.84	0.86	0.76	0.76	0.61	-0.72	-0.1	0.49	0.26		0.63	0.71	0.0	-0.13	0.42	-0.14	0.3	0.41	0.77	-0.25	0.32	-0.24
Other Stockholder Equity	0.95	0.86	0.96	0.81	0.84	0.89	0.85	0.58	0.43	-0.22	0.43	0.3	0.1	0.63		0.93	-0.03	-0.34	0.71	-0.35	0.72	0.68	0.74	-0.17	0.84	-0.54
Total Liab	1.0	0.93	0.95	0.82	0.9	0.95	0.91	0.65	0.43	-0.21	0.45	0.32	-0.02	0.71	0.93		0.04	-0.51	0.79	-0.52	0.77	0.76	0.88	-0.2	0.69	-0.56
Total Current Assets	0.01	-0.04	-0.05	0.2	-0.01	0.01	-0.14	-0.48	-0.57	0.42	0.59	0.69	-0.11	0.0	-0.03	0.04		-0.35	0.09	-0.35	0.08	0.21	0.09	0.78	0.18	-0.22
Common Stock	-0.43	-0.37	-0.42	-0.53	-0.38	-0.36	-0.3	-0.18	-0.05	-0.36	-0.46	-0.07	0.68	-0.13	-0.34	-0.51	-0.35		-0.54	1.0	-0.31	-0.82	-0.53	0.02	-0.24	0.52
Other Liab	0.77	0.64	0.72	0.9	0.62	0.68	0.65	0.34	0.12	-0.05	0.38	0.3	0.11	0.42	0.71	0.79	0.09	-0.54		-0.54	0.83	0.68	0.63	-0.02	0.48	-0.24
Accounts Payable	-0.45	-0.38	-0.44	-0.53	-0.39	-0.38	-0.32	-0.2	-0.06	-0.35	-0.47	-0.07	0.69	-0.14	-0.35	-0.52	-0.35	1.0	-0.54		-0.32	-0.82	-0.54	0.03	-0.25	0.53
Long Term Debt	0.77	0.63	0.66	0.88	0.59	0.63	0.7	0.25	0.02	0.09	0.6	0.25	0.15	0.3	0.72	0.77	0.08	-0.31	0.83	-0.32		0.5	0.55	0.04	0.58	-0.36
Good Will	0.72	0.7	0.72	0.75	0.7	0.67	0.63	0.49	0.35	0.16	0.47	0.1	-0.34	0.41	0.68	0.76	0.21	-0.82	0.68	-0.82	0.5		0.74	-0.22	0.61	-0.69
Short Term Investments	0.87	0.91	0.82	0.57	0.9	0.91	0.86	0.78	0.58	-0.23	0.33	0.2	-0.13	0.77	0.74	0.88	0.09	-0.53	0.63	-0.54	0.55	0.74		-0.37	0.55	-0.48
Inventory	-0.21	-0.39	-0.24	0.09	-0.38	-0.25	-0.38	-0.81	-0.87	0.3	0.44	0.72	0.18	-0.25	-0.17	-0.2	0.78	0.02	-0.02	0.03	0.04	-0.22	-0.37		-0.04	0.06
Treasury Stock	0.71	0.64	0.71	0.71	0.64	0.61	0.58	0.32	0.27	0.17	0.58	0.19	0.05	0.32	0.84	0.69	0.18	-0.24	0.48	-0.25	0.58	0.61	0.55	-0.04		-0.56
Intangible Assets	-0.53	-0.5	-0.54	-0.53	-0.51	-0.48	-0.43	-0.27	-0.19	-0.21	-0.65	-0.11	0.26	-0.24	-0.54	-0.56	-0.22	0.52	-0.24	0.53	-0.36	-0.69	-0.48	0.06	-0.56

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Pathfinder Bancorp Account Relationship Matchups

Pathfinder Bancorp balance sheet Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.2B	1.2B	1.3B	1.4B	1.5B	1.5B
Short Long Term Debt Total	110.9M	124.0M	109.1M	152.6M	211.6M	222.2M
Total Stockholder Equity	90.4M	97.5M	110.3M	111.0M	119.5M	125.5M
Property Plant And Equipment Net	25.1M	24.5M	23.8M	24.2M	24.0M	12.9M
Net Debt	90.7M	80.5M	72.0M	117.3M	162.9M	171.0M
Retained Earnings	44.8M	50.3M	60.9M	71.3M	76.1M	79.9M
Cash	20.2M	43.5M	37.1M	35.3M	48.7M	51.2M
Non Current Assets Total	264.4M	330.5M	380.6M	28.8M	1.4B	1.5B
Non Currrent Assets Other	(4.2M)	(6.0M)	(5.5M)	(398.0M)	942.2M	989.3M
Other Assets	785.0M	720.9M	672.6M	277.4M	5.0M	4.8M
Cash And Short Term Investments	131.3M	171.7M	227.7M	205.7M	48.7M	75.8M
Net Receivables	3.7M	4.5M	4.5M	888.6M	7.3M	6.9M
Common Stock Shares Outstanding	4.5M	4.6M	5.2M	5.9M	6.0M	3.7M
Liabilities And Stockholders Equity	1.2B	1.2B	1.3B	1.4B	1.5B	1.5B
Non Current Liabilities Total	85.8M	120.0M	96.6M	1.2B	1.3B	1.4B
Other Stockholder Equity	48.5M	49.3M	50.5M	51.8M	53.1M	55.8M
Total Liab	1.1B	1.1B	1.2B	1.3B	1.3B	1.4B
Total Current Assets	135.0M	176.3M	232.3M	1.1B	48.7M	46.3M
Common Stock	47K	45K	60K	61K	54.9K	108.7K
Accumulated Other Comprehensive Income	(3.0M)	(2.2M)	(1.3M)	(12.2M)	(9.7M)	(9.3M)
Other Liab	7.7M	9.3M	9.0M	9.4M	10.8M	5.9M
Accounts Payable	396K	193K	106K	975K	2.2M	2.1M
Long Term Debt	83.1M	117.4M	94.2M	85.4M	79.8M	50.1M
Short Term Investments	111.1M	128.3M	190.6M	191.7M	258.7M	271.7M
Inventory	(24.0M)	(48.0M)	(41.7M)	837.7M	(683.0M)	(648.9M)
Intangible Assets	149K	133K	117K	101K	85K	80.8K
Property Plant Equipment	20.6M	25.1M	24.5M	23.8M	27.4M	28.7M
Other Current Assets	24.0M	48.0M	41.7M	44.7M	59.2M	56.3M
Property Plant And Equipment Gross	25.1M	2.24	45.0M	46.4M	47.7M	50.1M
Total Current Liabilities	25.5M	4.2M	12.6M	60.3M	125.7M	132.0M
Short Term Debt	25.1M	4.0M	12.5M	60.3M	125.7M	132.0M
Other Current Liab	(25.5M)	(193K)	(106K)	(61.3M)	(2.2M)	(2.1M)
Net Tangible Assets	85.7M	89.8M	101.7M	102.7M	118.1M	64.1M

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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.

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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?

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What is Pathfinder Bancorp's Net Worth?

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Largest Banks - Regional Companies

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Largest Financial Services Companies

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For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Pathfinder Historical Balance Sheet

Pathfinder Bancorp Inventory

(648.85 Million)

About Pathfinder Balance Sheet Analysis

Pathfinder Bancorp Balance Sheet Chart

Total Assets

Total Stockholder Equity

Property Plant And Equipment Net

Pathfinder Bancorp balance sheet Correlations

Pathfinder Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Pathfinder Bancorp balance sheet Accounts

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Total Liab	+ 1.0	Total Assets
Accounts Payable	+ 1.0	Common Stock
Net Debt	+ 0.99	Short Long Term Debt Total
Total Stockholder Equity	+ 0.96	Total Assets
Retained Earnings	+ 0.96	Total Assets
Retained Earnings	+ 0.96	Total Stockholder Equity

Inventory	- 0.87	Non Currrent Assets Other
Good Will	- 0.82	Accounts Payable
Good Will	- 0.82	Common Stock
Inventory	- 0.81	Non Current Assets Total
Non Current Liabilities Total	- 0.72	Other Assets
Intangible Assets	- 0.69	Good Will