Pathfinder Ebit vs Operating Income Analysis

PBHC Stock

USD 18.00 0.10 0.56%

Pathfinder Bancorp financial indicator trend analysis is much more than just breaking down Pathfinder Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Pathfinder Bancorp is a good investment. Please check the relationship between Pathfinder Bancorp Ebit and its Operating Income accounts. 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.

Ebit vs Operating Income

Ebit vs Operating Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Pathfinder Bancorp Ebit account and Operating Income. At this time, the significance of the direction appears to have very strong relationship.

The correlation between Pathfinder Bancorp's Ebit and Operating Income is 0.89. Overlapping area represents the amount of variation of Ebit that can explain the historical movement of Operating Income in the same time period over historical financial statements of Pathfinder Bancorp, assuming nothing else is changed. The correlation between historical values of Pathfinder Bancorp's Ebit and Operating Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Ebit of Pathfinder Bancorp are associated (or correlated) with its Operating Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Income has no effect on the direction of Ebit i.e., Pathfinder Bancorp's Ebit and Operating Income go up and down completely randomly.

Correlation Coefficient

0.89

Relationship Direction	Positive
Relationship Strength	Strong

View All Relationships

Ebit

Operating Income

Operating Income is the amount of profit realized from Pathfinder Bancorp operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Pathfinder Bancorp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most indicators from Pathfinder Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators 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 fundamental ratios indicators, 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 Enterprise Value is projected to increase significantly based on the last few years of reporting.

	2021	2022	2023	2024 (projected)
Interest Expense	7.5M	9.7M	28.7M	30.2M
Depreciation And Amortization	1.8M	711K	1.3M	902.2K

Interest Expense Depreciation And Amortization

Pathfinder Bancorp fundamental ratios 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	0.55	0.89	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	0.73	0.9	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	0.52	0.85	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	0.25	0.64	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	0.74	0.89	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	0.57	0.89	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	0.62	0.87	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	0.86	0.71	-0.19	-0.03	0.76	0.58	0.65	-0.48	-0.18	0.34	-0.19	0.25	0.49	0.78	-0.81	0.32	-0.26
Non Currrent Assets Other	0.45	0.66	0.51	0.03	0.67	0.54	0.57	0.93		0.82	0.53	-0.35	-0.04	0.61	0.43	0.43	-0.57	-0.05	0.12	-0.06	0.02	0.35	0.59	-0.87	0.27	-0.19
Other Assets	0.55	0.73	0.52	0.25	0.74	0.57	0.62	0.86	0.82		0.73	-0.35	-0.36	0.5	0.47	0.57	-0.25	-0.4	0.28	-0.41	0.23	0.64	0.77	-0.77	0.43	-0.4
Cash And Short Term Investments	0.89	0.9	0.85	0.64	0.89	0.89	0.87	0.71	0.53	0.73		0.18	-0.08	0.68	0.81	0.89	0.09	-0.46	0.57	-0.48	0.62	0.76	0.94	-0.33	0.69	-0.71
Net Receivables	0.33	0.24	0.31	0.32	0.25	0.39	0.2	-0.19	-0.35	-0.35	0.18		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	-0.04	-0.36	-0.08	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	0.5	0.68	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	0.47	0.81	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	0.57	0.89	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	-0.25	0.09	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	-0.4	-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	0.28	0.57	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	-0.19	-0.06	-0.41	-0.48	-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	0.23	0.62	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	0.64	0.76	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	0.59	0.77	0.94	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	-0.77	-0.33	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	0.43	0.69	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	-0.26	-0.19	-0.4	-0.71	-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 fundamental ratios 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)	947.2M	994.6M
Other Assets	785.0M	720.9M	672.6M	277.4M	1.6B	1.7B
Cash And Short Term Investments	131.3M	171.7M	227.7M	205.7M	271.1M	284.6M
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	148.7M	156.1M
Other Current Liab	(25.5M)	(193K)	(106K)	(61.3M)	(25.3M)	(24.0M)
Net Tangible Assets	85.7M	89.8M	101.7M	102.7M	118.1M	64.1M

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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

Details

Is Pathfinder Stock a good investment?

Details

What is Pathfinder Bancorp's Net Worth?

Details

Largest Banks - Regional Companies

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Largest Financial Services Companies

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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.

You can also try the Crypto Correlations module to use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins.

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.

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Pathfinder Ebit vs Operating Income Analysis

Ebit vs Operating Income

Ebit vs Operating Income Correlation Analysis

Correlation Coefficient

Ebit

Operating Income

Pathfinder Bancorp fundamental ratios Correlations

Pathfinder Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Pathfinder Bancorp fundamental ratios 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
Inventory	- 0.77	Other Assets
Intangible Assets	- 0.71	Cash And Short Term Investments