Pathfinder Bancorp Stock Working Capital

PBHC Stock

USD 17.60 0.23 1.32%

Pathfinder Bancorp fundamentals help investors to digest information that contributes to Pathfinder Bancorp's financial success or failures. It also enables traders to predict the movement of Pathfinder Stock. The fundamental analysis module provides a way to measure Pathfinder Bancorp's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Pathfinder Bancorp stock.

		Last Reported	Projected for Next Year
	Change In Working Capital	458 K	480.9 K

The current year's Change In Working Capital is expected to grow to about 480.9 K.

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Pathfinder Bancorp Company Working Capital Analysis

Pathfinder Bancorp's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

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Pathfinder Working Capital Driver Correlations

Understanding the fundamental principles of building solid financial models for Pathfinder Bancorp is extremely important. It helps to project a fair market value of Pathfinder Stock properly, considering its historical fundamentals such as Working Capital. Since Pathfinder Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Pathfinder Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Pathfinder Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Debt	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.96	0.91	0.96	0.33	1.0	0.01	-0.43	-0.45	0.77	0.72	0.87	0.71	-0.53	0.98	0.62	0.89	-0.57	0.96	0.77	0.9	0.06	0.9	0.2	0.86	0.9
Total Stockholder Equity	0.96		0.88	0.96	0.31	0.95	-0.05	-0.42	-0.44	0.66	0.72	0.82	0.71	-0.54	0.95	0.65	0.89	-0.64	0.97	0.8	0.88	0.13	0.8	0.34	0.85	0.9
Net Debt	0.91	0.88		0.93	0.25	0.9	-0.01	-0.38	-0.39	0.59	0.7	0.9	0.64	-0.51	0.91	0.85	0.74	-0.57	0.87	0.75	0.79	0.37	0.77	0.08	0.87	0.8
Retained Earnings	0.96	0.96	0.93		0.39	0.95	0.01	-0.36	-0.38	0.63	0.67	0.91	0.61	-0.48	0.92	0.75	0.83	-0.51	0.91	0.7	0.86	0.28	0.8	0.27	0.91	0.9
Net Receivables	0.33	0.31	0.25	0.39		0.32	0.69	-0.07	-0.07	0.25	0.1	0.2	0.19	-0.11	0.23	0.15	0.37	-0.11	0.26	0.15	0.38	0.01	0.27	0.17	0.35	0.29
Total Liab	1.0	0.95	0.9	0.95	0.32		0.04	-0.51	-0.52	0.77	0.76	0.88	0.69	-0.56	0.98	0.61	0.88	-0.58	0.94	0.77	0.89	0.05	0.89	0.18	0.84	0.87
Total Current Assets	0.01	-0.05	-0.01	0.01	0.69	0.04		-0.35	-0.35	0.08	0.21	0.09	0.18	-0.22	-0.05	-0.1	0.05	-0.24	-0.1	0.15	0.16	-0.27	0.04	-0.41	-0.13	-0.28
Common Stock	-0.43	-0.42	-0.38	-0.36	-0.07	-0.51	-0.35		1.0	-0.31	-0.82	-0.53	-0.24	0.52	-0.48	-0.23	-0.36	0.52	-0.33	-0.42	-0.36	0.11	-0.3	0.06	-0.19	-0.19
Accounts Payable	-0.45	-0.44	-0.39	-0.38	-0.07	-0.52	-0.35	1.0		-0.32	-0.82	-0.54	-0.25	0.53	-0.5	-0.24	-0.37	0.53	-0.35	-0.43	-0.37	0.11	-0.31	0.05	-0.2	-0.2
Long Term Debt	0.77	0.66	0.59	0.63	0.25	0.77	0.08	-0.31	-0.32		0.5	0.55	0.58	-0.36	0.78	0.1	0.79	-0.35	0.7	0.53	0.78	-0.41	0.89	-0.03	0.66	0.66
Good Will	0.72	0.72	0.7	0.67	0.1	0.76	0.21	-0.82	-0.82	0.5		0.74	0.61	-0.69	0.76	0.54	0.71	-0.78	0.68	0.75	0.75	0.0	0.65	-0.02	0.56	0.52
Short Term Investments	0.87	0.82	0.9	0.91	0.2	0.88	0.09	-0.53	-0.54	0.55	0.74		0.55	-0.48	0.83	0.77	0.69	-0.48	0.76	0.68	0.76	0.32	0.73	-0.03	0.77	0.7
Treasury Stock	0.71	0.71	0.64	0.61	0.19	0.69	0.18	-0.24	-0.25	0.58	0.61	0.55		-0.56	0.72	0.39	0.75	-0.82	0.81	0.96	0.82	-0.26	0.75	-0.12	0.48	0.49
Intangible Assets	-0.53	-0.54	-0.51	-0.48	-0.11	-0.56	-0.22	0.52	0.53	-0.36	-0.69	-0.48	-0.56		-0.54	-0.34	-0.45	0.69	-0.52	-0.62	-0.55	0.12	-0.46	0.05	-0.32	-0.32
Property Plant Equipment	0.98	0.95	0.91	0.92	0.23	0.98	-0.05	-0.48	-0.5	0.78	0.76	0.83	0.72	-0.54		0.6	0.88	-0.61	0.96	0.79	0.87	0.03	0.88	0.2	0.83	0.87
Short Term Debt	0.62	0.65	0.85	0.75	0.15	0.61	-0.1	-0.23	-0.24	0.1	0.54	0.77	0.39	-0.34	0.6		0.44	-0.45	0.61	0.55	0.51	0.75	0.4	0.15	0.7	0.59
Net Tangible Assets	0.89	0.89	0.74	0.83	0.37	0.88	0.05	-0.36	-0.37	0.79	0.71	0.69	0.75	-0.45	0.88	0.44		-0.61	0.9	0.76	0.97	-0.11	0.92	0.25	0.84	0.86
Long Term Debt Total	-0.57	-0.64	-0.57	-0.51	-0.11	-0.58	-0.24	0.52	0.53	-0.35	-0.78	-0.48	-0.82	0.69	-0.61	-0.45	-0.61		-0.67	-0.88	-0.68	0.14	-0.51	0.07	-0.35	-0.34
Capital Surpluse	0.96	0.97	0.87	0.91	0.26	0.94	-0.1	-0.33	-0.35	0.7	0.68	0.76	0.81	-0.52	0.96	0.61	0.9	-0.67		0.85	0.89	0.04	0.86	0.29	0.82	0.89
Deferred Long Term Liab	0.77	0.8	0.75	0.7	0.15	0.77	0.15	-0.42	-0.43	0.53	0.75	0.68	0.96	-0.62	0.79	0.55	0.76	-0.88	0.85		0.83	-0.1	0.72	-0.06	0.54	0.54
Long Term Investments	0.9	0.88	0.79	0.86	0.38	0.89	0.16	-0.36	-0.37	0.78	0.75	0.76	0.82	-0.55	0.87	0.51	0.97	-0.68	0.89	0.83		-0.1	0.94	0.08	0.82	0.79
Short Long Term Debt	0.06	0.13	0.37	0.28	0.01	0.05	-0.27	0.11	0.11	-0.41	0.0	0.32	-0.26	0.12	0.03	0.75	-0.11	0.14	0.04	-0.1	-0.1		-0.19	0.26	0.35	0.23
Earning Assets	0.9	0.8	0.77	0.8	0.27	0.89	0.04	-0.3	-0.31	0.89	0.65	0.73	0.75	-0.46	0.88	0.4	0.92	-0.51	0.86	0.72	0.94	-0.19		0.0	0.8	0.8
Current Deferred Revenue	0.2	0.34	0.08	0.27	0.17	0.18	-0.41	0.06	0.05	-0.03	-0.02	-0.03	-0.12	0.05	0.2	0.15	0.25	0.07	0.29	-0.06	0.08	0.26	0.0		0.33	0.51
Net Invested Capital	0.86	0.85	0.87	0.91	0.35	0.84	-0.13	-0.19	-0.2	0.66	0.56	0.77	0.48	-0.32	0.83	0.7	0.84	-0.35	0.82	0.54	0.82	0.35	0.8	0.33		0.93
Capital Stock	0.9	0.9	0.8	0.9	0.29	0.87	-0.28	-0.19	-0.2	0.66	0.52	0.7	0.49	-0.32	0.87	0.59	0.86	-0.34	0.89	0.54	0.79	0.23	0.8	0.51	0.93

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Predict Pathfinder Bancorp

Working Capital Over Time

Pathfinder Capital Surpluse

Capital Surpluse

59.6 Million

At present, Pathfinder Bancorp's Capital Surpluse is projected to increase significantly based on the last few years of reporting.

Based on the company's disclosures, Pathfinder Bancorp has a Working Capital of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

Pathfinder Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Pathfinder Bancorp from analyzing Pathfinder Bancorp's financial statements. These drivers represent accounts that assess Pathfinder Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Pathfinder Bancorp's important valuation drivers and their relationship over time.

		2019	2020	2021	2022	2023	2024 (projected)
Market Cap		62.9M	65.3M	89.7M	111.9M	100.7M	105.7M

Pathfinder Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Pathfinder Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Pathfinder Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

Pathfinder Fundamentals

	Return On Equity	0.0182
	Return On Asset	0.0015
	Profit Margin	0.06 %
	Operating Margin	(1.24) %
	Current Valuation	223.04 M
	Shares Outstanding	4.72 M
	Shares Owned By Insiders	27.19 %
	Shares Owned By Institutions	29.55 %
	Number Of Shares Shorted	3.75 K
	Price To Earning	15.34 X
	Price To Book	0.88 X
	Price To Sales	2.99 X
	Revenue	41.18 M
	Gross Profit	44.56 M
	EBITDA	13.12 M
	Net Income	9.29 M
	Cash And Equivalents	43.75 M
	Cash Per Share	7.36 X
	Total Debt	211.6 M
	Debt To Equity	7.80 %
	Book Value Per Share	19.87 X
	Cash Flow From Operations	15.43 M
	Short Ratio	1.11 X
	Earnings Per Share	0.32 X
	Number Of Employees	161
	Beta	0.24
	Market Capitalization	109.8 M
	Total Asset	1.47 B
	Retained Earnings	76.06 M
	Annual Yield	0.02 %
	Five Year Return	1.72 %
	Net Asset	1.47 B
	Last Dividend Paid	0.39

About Pathfinder Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Pathfinder Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pathfinder Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pathfinder Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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 Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Pathfinder Bancorp Piotroski F Score and Pathfinder Bancorp Altman Z Score analysis.

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

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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 Bancorp Stock Working Capital

Pathfinder Bancorp Company Working Capital Analysis

Working Capital

Current Assets

-

Current Liabilities

Pathfinder Working Capital Driver Correlations

Pathfinder Capital Surpluse

Capital Surpluse

59.6 Million

Pathfinder Bancorp Current Valuation Drivers

Pathfinder Bancorp ESG Sustainability

Pathfinder Fundamentals

About Pathfinder Bancorp Fundamental Analysis

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