Pathfinder Financial Statements From 2010 to 2025

PBHC Stock  USD 16.60  0.17  1.01%   
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
5.1378
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 2025 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

50.29 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 3 K or Selling General Administrative of 20.3 M, as well as many indicators such as Price To Sales Ratio of 2.12, Ptb Ratio of 1.23 or Capex To Depreciation of 1.38. 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 Assets1.8 B1.7 B961.4 M
Slightly volatile
Short and Long Term Debt Total255.5 M243.3 M109.8 M
Slightly volatile
Total Stockholder Equity144.3 M137.4 M79.8 M
Slightly volatile
Property Plant And Equipment Net29 M27.6 M18.4 M
Slightly volatile
Retained Earnings91.8 M87.5 M47.5 M
Slightly volatile
Cash58.8 M56 M27.8 M
Slightly volatile
Non Current Assets Total1.7 B1.6 B447.7 M
Slightly volatile
Other Assets5.5 M5.8 M576.7 M
Slightly volatile
Cash And Short Term Investments75.8 M56 M120.6 M
Slightly volatile
Net ReceivablesM8.4 M59 M
Pretty Stable
Common Stock Shares Outstanding5.1 M6.1 M4.9 M
Slightly volatile
Liabilities And Stockholders Equity1.8 B1.7 B961.4 M
Slightly volatile
Non Current Liabilities Total1.6 B1.5 B397.8 M
Slightly volatile
Other Stockholder Equity64.1 M61.1 M32.8 M
Slightly volatile
Total Liabilities1.6 B1.5 B871.3 M
Slightly volatile
Total Current Assets53.2 M56 M348 M
Very volatile
Common Stock108.7 K54.9 K166.4 K
Slightly volatile
Other Liabilities5.9 M10.8 MM
Slightly volatile
Accounts Payable1.9 MM10.7 M
Slightly volatile
Long Term Debt50.1 M91.8 M57.2 M
Slightly volatile
Good Will4.5 M5.2 M4.4 M
Slightly volatile
Short Term Investments312.4 M297.5 M153.6 M
Slightly volatile
Intangible Assets72.7 K76.5 K524.8 K
Slightly volatile
Property Plant Equipment28.7 M27.4 M18.4 M
Slightly volatile
Common Stock Total Equity0.05460.057524 K
Slightly volatile
Other Current Assets50.6 M53.3 M203.3 M
Slightly volatile
Property Plant And Equipment Gross57.6 M54.8 M24.7 M
Slightly volatile
Total Current Liabilities151.8 M144.5 M47 M
Slightly volatile
Short Term Debt151.8 M144.5 M47.5 M
Slightly volatile
Preferred Stock Total Equity12.2 M14.9 M12.6 M
Slightly volatile
Net Tangible Assets64.1 M118.1 M65.2 M
Slightly volatile
Retained Earnings Total Equity28.7 M33.1 M28.4 M
Slightly volatile
Long Term Debt Total15.8 M13.6 M18 M
Slightly volatile
Capital Surpluse59.6 M56.8 M33.7 M
Slightly volatile
Non Current Liabilities Other4.5 MM4.7 M
Slightly volatile
Long Term Investments532.8 M507.4 M233.9 M
Slightly volatile
Warrants286.4 K322.2 K351.3 K
Slightly volatile
Short and Long Term Debt151.8 M144.5 M65.5 M
Slightly volatile
Earning Assets237.9 M329.6 M222.5 M
Slightly volatile
Net Invested Capital245.9 M373.8 M202.5 M
Slightly volatile
Capital Stock63.1 K70.2 K51.8 K
Slightly volatile
Capital Lease Obligations4.5 MM3.5 M
Slightly volatile

Pathfinder Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization902.2 K1.5 M821.5 K
Slightly volatile
Interest ExpenseK3.2 KM
Slightly volatile
Selling General Administrative20.3 M19.3 M13.7 M
Slightly volatile
Total Revenue50.3 M47.9 M30.1 M
Slightly volatile
Gross Profit50.3 M47.9 M30.1 M
Slightly volatile
Other Operating Expenses52 M49.5 M18 M
Slightly volatile
Operating Income10.3 M13.6 M10.3 M
Slightly volatile
EBIT10.2 M13.6 M10.1 M
Slightly volatile
EBITDA11.1 M15.1 M10.9 M
Slightly volatile
Income Before Tax14.2 M13.6 M7.4 M
Slightly volatile
Net Income11.2 M10.7 M5.5 M
Slightly volatile
Income Tax Expense2.9 M2.7 M1.6 M
Slightly volatile
Cost Of Revenue94.9 K99.9 K2.8 M
Slightly volatile
Net Income Applicable To Common Shares15.6 M14.9 M6.3 M
Slightly volatile
Net Income From Continuing Ops12.6 M12 M6.1 M
Slightly volatile
Selling And Marketing Expenses815.1 K771.6 K728.5 K
Slightly volatile
Tax Provision1.8 M2.5 M1.6 M
Slightly volatile
Net Interest Income31.2 M46.6 M26.9 M
Slightly volatile
Interest Income41.1 M73.5 M35.4 M
Slightly volatile
Reconciled Depreciation455.7 K479.7 K1.1 M
Slightly volatile
Extraordinary Items124 K139.5 K152.1 K
Slightly volatile

Pathfinder Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow16.3 M15.5 M9.9 M
Slightly volatile
Begin Period Cash Flow42.6 M40.6 M23.6 M
Slightly volatile
Depreciation1.1 M1.5 M1.1 M
Slightly volatile
Dividends Paid2.6 M2.5 M1.2 M
Slightly volatile
Capital Expenditures1.8 M2.3 M2.3 M
Slightly volatile
Total Cash From Operating Activities18.6 M17.7 M12.3 M
Slightly volatile
Net Income11.2 M10.7 M5.8 M
Slightly volatile
Total Cash From Financing Activities45.4 M60.7 M68.1 M
Slightly volatile
End Period Cash Flow58.8 M56 M27.6 M
Slightly volatile
Change To Inventory4.3 K4.5 K130.2 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.122.22662.88
Slightly volatile
PTB Ratio1.230.810.8375
Pretty Stable
Capex To Depreciation1.381.322.1047
Very volatile
PB Ratio1.230.810.8375
Pretty Stable
ROIC0.0070.00740.0307
Slightly volatile
Net Income Per Share1.461.391.0229
Slightly volatile
Payables Turnover2.32.592.8241
Slightly volatile
Sales General And Administrative To Revenue0.580.470.5461
Slightly volatile
POCF Ratio9.176.37.117
Slightly volatile
Interest Coverage0.350.371.5129
Slightly volatile
Payout Ratio0.520.270.259
Pretty Stable
Capex To Operating Cash Flow0.110.12740.281
Slightly volatile
PFCF Ratio6.867.2210.6644
Slightly volatile
Days Payables Outstanding101114124
Slightly volatile
Income Quality3.51.912.2416
Slightly volatile
ROE0.04590.070.0617
Slightly volatile
EV To Operating Cash Flow18.1918.4414.7902
Very volatile
PE Ratio9.9410.4613.3893
Slightly volatile
Return On Tangible Assets0.0040.00570.0053
Very volatile
EV To Free Cash Flow30.0721.1323.3581
Very volatile
Earnings Yield0.050.0990.0794
Pretty Stable
Intangibles To Total Assets0.00340.00360.0065
Slightly volatile
Net Debt To EBITDA5.256.447.1929
Very volatile
Current Ratio0.420.45161
Slightly volatile
Receivables Turnover0.04470.0476.9308
Slightly volatile
Debt To Equity1.652.041.2636
Slightly volatile
Revenue Per Share8.257.85946.1603
Slightly volatile
Debt To Assets0.130.170.1051
Slightly volatile
Enterprise Value Over EBITDA10.2612.6813.7529
Pretty Stable
Dividend Yield0.0170.02330.0191
Very volatile
Days Sales Outstanding6.6 K6.3 K1.7 K
Slightly volatile
Book Value Per Share18.9522.9217.3218
Slightly volatile
Free Cash Flow Yield0.0960.140.1479
Pretty Stable
Operating Cash Flow Per Share1.242.32.3049
Slightly volatile
Stock Based Compensation To Revenue0.01270.01010.0147
Pretty Stable
EV To Sales8.056.915.4133
Very volatile
Free Cash Flow Per Share2.112.011.8977
Slightly volatile
Capex To Revenue0.05220.05490.1082
Slightly volatile
Cash Per Share48.1645.8633.6273
Slightly volatile
Tangible Book Value Per Share17.9322.0416.3463
Slightly volatile
Graham Number24.7623.5818.6872
Slightly volatile
Shareholders Equity Per Share18.7217.8315.5246
Slightly volatile
Capex Per Share0.30.290.4804
Very volatile
Average Receivables1.5 M1.6 M1.4 M
Slightly volatile
Interest Debt Per Share37.6535.8622.625
Slightly volatile
Short Term Coverage Ratios0.10.111.0811
Pretty Stable
Price Earnings Ratio9.9410.4613.3893
Slightly volatile
Price Book Value Ratio1.230.810.8375
Pretty Stable
Days Of Payables Outstanding101114124
Slightly volatile
Dividend Payout Ratio0.520.270.259
Pretty Stable
Price To Operating Cash Flows Ratio9.176.37.117
Slightly volatile
Price To Free Cash Flows Ratio6.867.2210.6644
Slightly volatile
Pretax Profit Margin0.290.330.2822
Pretty Stable
Ebt Per Ebit0.310.580.583
Slightly volatile
Operating Profit Margin0.310.330.6407
Slightly volatile
Effective Tax Rate0.260.230.2386
Slightly volatile
Company Equity Multiplier9.7611.0411.6149
Pretty Stable
Long Term Debt To Capitalization0.550.370.4124
Slightly volatile
Total Debt To Capitalization0.460.580.5241
Slightly volatile
Return On Capital Employed0.00960.01010.014
Slightly volatile
Debt Equity Ratio1.652.041.2636
Slightly volatile
Ebit Per Revenue0.310.330.6407
Slightly volatile
Quick Ratio0.420.45161
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.283.343.5706
Slightly volatile
Net Income Per E B T0.810.910.7473
Slightly volatile
Cash Ratio0.420.456.8072
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.781.00.719
Slightly volatile
Cash Flow Coverage Ratios0.0880.06560.1259
Pretty Stable
Price To Book Ratio1.230.810.8375
Pretty Stable
Fixed Asset Turnover1.271.541.5286
Slightly volatile
Capital Expenditure Coverage Ratio4.587.067.2051
Pretty Stable
Price Cash Flow Ratio9.176.37.117
Slightly volatile
Enterprise Value Multiple10.2612.6813.7529
Pretty Stable
Debt Ratio0.130.170.1051
Slightly volatile
Cash Flow To Debt Ratio0.0880.06560.1259
Pretty Stable
Price Sales Ratio2.122.22662.88
Slightly volatile
Return On Assets0.00390.00570.0053
Pretty Stable
Asset Turnover0.02740.02530.0312
Very volatile
Net Profit Margin0.210.260.2057
Pretty Stable
Gross Profit Margin0.780.870.9523
Slightly volatile
Price Fair Value1.230.810.8375
Pretty Stable
Return On Equity0.04590.070.0617
Slightly volatile
Operating Cycle6.6 K6.3 K1.7 K
Slightly volatile
Operating Cash Flow Sales Ratio0.450.430.4429
Very volatile
Days Of Sales Outstanding6.6 K6.3 K1.7 K
Slightly volatile

Pathfinder Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap84.7 M80.7 M62.5 M
Slightly volatile
Enterprise Value163.1 M155.4 M123.2 M
Slightly volatile

Pathfinder Fundamental Market Drivers

Forward Annual Dividend Rate0.4

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 Revenue47.9 M50.3 M
Cost Of Revenue99.9 K94.9 K
Sales General And Administrative To Revenue 0.47  0.58 
Revenue Per Share 7.86  8.25 
Stock Based Compensation To Revenue 0.01  0.01 
Capex To Revenue 0.05  0.05 
Ebit Per Revenue 0.33  0.31 

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 Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
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.