Pathfinder Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Pathfinder Bancorp
PBHC Stock  USD 15.32  0.28  1.79%   
Pathfinder Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Pathfinder Bancorp's valuation are provided below:
Gross Profit
39 M
Profit Margin
0.0581
Market Capitalization
94.5 M
Enterprise Value Revenue
5.1558
Revenue
39 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 72.7 M, whereas Enterprise Value is forecasted to decline to about 61.8 M.

Pathfinder Bancorp Total Revenue

87.66 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 1.1 M, Interest Expense of 39.2 M or Selling General Administrative of 9.9 M, as well as many indicators such as Price To Sales Ratio of 2.06, Dividend Yield of 0.0175 or PTB Ratio of 1.2. Pathfinder financial statements analysis is a perfect complement when working with Pathfinder Bancorp Valuation or Volatility modules.
  
Build AI portfolio with Pathfinder 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.

Pathfinder Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.5 B1.5 B928.7 M
Slightly volatile
Short and Long Term Debt Total74.4 M136.5 M91.8 M
Slightly volatile
Other Current Liabilities1.3 B1.2 B746.4 M
Slightly volatile
Total Current Liabilities1.3 B1.3 B782.9 M
Slightly volatile
Total Stockholder Equity127.6 M121.5 M77.7 M
Slightly volatile
Property Plant And Equipment Net38.9 M37.1 M19.6 M
Slightly volatile
Retained Earnings81.7 M77.8 M46.2 M
Slightly volatile
Cash18.7 M31.6 M23.8 M
Slightly volatile
Non Current Assets Total1.2 B1.2 B750.2 M
Slightly volatile
Non Currrent Assets Other57.2 M54.5 M35 M
Slightly volatile
Other Assets221.6 M233.2 M604.4 M
Slightly volatile
Cash And Short Term Investments315.9 M300.9 M174.7 M
Slightly volatile
Net Receivables7.2 M6.9 M3.7 M
Slightly volatile
Common Stock Shares Outstanding3.6 M6.1 M4.6 M
Very volatile
Liabilities And Stockholders Equity1.5 B1.5 B928.7 M
Slightly volatile
Non Current Liabilities Total58.9 M87.3 M65.7 M
Slightly volatile
Other Stockholder Equity55.4 M52.8 M31.7 M
Slightly volatile
Total Liabilities1.4 B1.4 B850.8 M
Slightly volatile
Total Current Assets323.2 M307.8 M178.4 M
Slightly volatile
Intangible Assets6.3 M6 M1.2 M
Slightly volatile
Common Stock106.6 K54.9 K166.3 K
Slightly volatile
Other Liabilities5.9 M10.8 M7 M
Slightly volatile
Accounts Payable518.7 K546 K10.5 M
Slightly volatile
Long Term Debt50.6 M57.2 M55 M
Slightly volatile
Good Will4.3 M5.1 M4.3 M
Slightly volatile
Short Term Investments282.8 M269.3 M150 M
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 Gross65.2 M62.1 M25.6 M
Slightly volatile
Short Term Debt32.8 M61 M34.8 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 M4 M4.7 M
Slightly volatile
Long Term Investments246.1 M432.1 M211.3 M
Slightly volatile
Warrants286.4 K322.2 K351.3 K
Slightly volatile
Short and Long Term Debt52.8 M61 M54.1 M
Pretty Stable
Earning Assets237.9 M329.6 M222.5 M
Slightly volatile
Net Invested Capital248.1 M239.7 M194.2 M
Slightly volatile
Capital Stock63.6 K70.2 K51.9 K
Slightly volatile
Capital Lease Obligations19.3 M18.3 M5.1 M
Slightly volatile

Pathfinder Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.1 M1.3 M1.1 M
Slightly volatile
Interest Expense39.2 M37.4 M11.8 M
Slightly volatile
Selling General Administrative9.9 M18.7 M12.8 M
Slightly volatile
Total Revenue87.7 M83.5 M41.6 M
Slightly volatile
Gross Profit20.3 M35.1 M25.9 M
Slightly volatile
Other Operating Expenses82.2 M78.3 M35.3 M
Slightly volatile
Operating Income4.5 M5.2 M6.3 M
Slightly volatile
EBIT4.5 M5.2 M6.3 M
Slightly volatile
EBITDA5.6 M6.5 M7.3 M
Slightly volatile
Cost Of Revenue50.8 M48.3 M14.7 M
Slightly volatile
Income Before Tax4.5 M5.2 M6.3 M
Slightly volatile
Net Income3.5 M3.4 M4.9 M
Slightly volatile
Income Tax Expense315.4 K332 K1.2 M
Slightly volatile
Net Income Applicable To Common Shares15.6 M14.9 M6.3 M
Slightly volatile
Selling And Marketing Expenses769.3 K604 K703.7 K
Slightly volatile
Net Income From Continuing Ops5.8 M4.8 M5.3 M
Slightly volatile
Tax Provision315.4 K332 K1.3 M
Pretty Stable
Net Interest Income32.4 M40.4 M26.6 M
Slightly volatile
Interest Income45.1 M77.7 M35.9 M
Slightly volatile
Reconciled Depreciation996.4 K1.3 M1.2 M
Pretty Stable
Extraordinary Items124 K139.5 K152.1 K
Slightly volatile

Pathfinder Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow2.7 M2.9 M8.3 M
Slightly volatile
Begin Period Cash Flow51.2 M48.7 M24.7 M
Slightly volatile
Depreciation1.1 M1.3 M1.1 M
Slightly volatile
Capital Expenditures8.7 M8.3 M3.1 M
Slightly volatile
Total Cash From Operating Activities8.1 M11.2 M11.2 M
Slightly volatile
Net Income3.5 M3.4 M4.9 M
Slightly volatile
End Period Cash Flow18.6 M31.6 M23.5 M
Slightly volatile
Change To Inventory4.3 K4.5 K130.2 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.061.27751.6365
Slightly volatile
Dividend Yield0.01750.02230.0201
Pretty Stable
PTB Ratio1.20.87790.8071
Very volatile
Days Sales Outstanding36.630.085534.1324
Pretty Stable
Book Value Per Share20.9319.934916.7905
Slightly volatile
Free Cash Flow Yield0.02560.0270.1452
Pretty Stable
Operating Cash Flow Per Share1.331.83942.4492
Slightly volatile
Stock Based Compensation To Revenue0.00280.0030.0112
Pretty Stable
Capex To Depreciation6.546.23262.892
Slightly volatile
PB Ratio1.20.87790.8071
Very volatile
EV To Sales3.942.53453.3182
Pretty Stable
Free Cash Flow Per Share0.450.47191.8399
Slightly volatile
ROIC0.01950.01790.0282
Very volatile
Net Income Per Share0.570.55511.0732
Slightly volatile
Payables Turnover92.9688.536649.4261
Slightly volatile
Sales General And Administrative To Revenue0.260.22430.3615
Slightly volatile
Capex To Revenue0.0520.09980.0729
Pretty Stable
Cash Per Share51.8549.376937.7682
Slightly volatile
POCF Ratio10.299.51427.1928
Slightly volatile
Interest Coverage0.130.13810.8697
Pretty Stable
Payout Ratio0.520.70290.2766
Slightly volatile
Capex To Operating Cash Flow0.780.74340.3624
Pretty Stable
PFCF Ratio38.9437.08114.3027
Slightly volatile
Days Payables Outstanding3.924.122610.4425
Pretty Stable
Income Quality3.63.31332.3355
Slightly volatile
ROE0.04660.02780.0624
Pretty Stable
EV To Operating Cash Flow19.6618.876314.7142
Very volatile
PE Ratio24.2331.523814.77
Pretty Stable
Return On Tangible Assets0.0040.00230.0054
Very volatile
EV To Free Cash Flow77.2573.568829.3512
Slightly volatile
Earnings Yield0.05360.03170.0853
Pretty Stable
Intangibles To Total Assets0.01110.00750.0072
Slightly volatile
Current Ratio0.260.24310.2266
Very volatile
Tangible Book Value Per Share19.0318.122415.6624
Slightly volatile
Receivables Turnover9.1912.132111.126
Pretty Stable
Graham Number10.4215.779719.2652
Slightly volatile
Shareholders Equity Per Share20.9319.934916.7569
Slightly volatile
Debt To Equity1.631.12371.2051
Slightly volatile
Capex Per Share1.441.36740.6443
Slightly volatile
Average Receivables1.5 M1.6 M1.4 M
Slightly volatile
Revenue Per Share14.3813.69898.8188
Slightly volatile
Interest Debt Per Share29.9628.532823.2049
Slightly volatile
Debt To Assets0.130.09260.1007
Slightly volatile
Enterprise Value Over EBITDA24.6832.566418.3629
Slightly volatile
Short Term Coverage Ratios0.170.18381.1094
Pretty Stable
Price Earnings Ratio24.2331.523814.77
Pretty Stable
Operating Cycle36.630.085534.1324
Pretty Stable
Price Book Value Ratio1.20.87790.8071
Very volatile
Days Of Payables Outstanding3.924.122610.4425
Pretty Stable
Dividend Payout Ratio0.520.70290.2766
Slightly volatile
Price To Operating Cash Flows Ratio10.299.51427.1928
Slightly volatile
Price To Free Cash Flows Ratio38.9437.08114.3027
Slightly volatile
Pretax Profit Margin0.110.06180.165
Very volatile
Ebt Per Ebit0.80.910.9846
Slightly volatile
Operating Profit Margin0.110.06180.1649
Very volatile
Effective Tax Rate0.06110.06430.2088
Slightly volatile
Company Equity Multiplier9.7312.140611.6191
Slightly volatile
Long Term Debt To Capitalization0.550.320.4142
Slightly volatile
Total Debt To Capitalization0.630.52910.5315
Slightly volatile
Return On Capital Employed0.02940.02470.044
Very volatile
Debt Equity Ratio1.631.12371.2051
Slightly volatile
Ebit Per Revenue0.110.06180.1649
Very volatile
Quick Ratio0.260.24310.2266
Very volatile
Dividend Paid And Capex Coverage Ratio0.991.04653.3466
Pretty Stable
Net Income Per E B T0.60.65560.7496
Very volatile
Cash Ratio0.04090.02490.0337
Pretty Stable
Cash Conversion Cycle30.4225.962924.125
Pretty Stable
Operating Cash Flow Sales Ratio0.180.13430.2761
Pretty Stable
Days Of Sales Outstanding36.630.085534.1324
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.240.25660.6388
Pretty Stable
Cash Flow Coverage Ratios0.0880.08210.1269
Very volatile
Price To Book Ratio1.20.87790.8071
Very volatile
Fixed Asset Turnover2.662.25162.0917
Slightly volatile
Capital Expenditure Coverage Ratio1.281.34516.6417
Pretty Stable
Price Cash Flow Ratio10.299.51427.1928
Slightly volatile
Enterprise Value Multiple24.6832.566418.3629
Slightly volatile
Debt Ratio0.130.09260.1007
Slightly volatile
Cash Flow To Debt Ratio0.0880.08210.1269
Very volatile
Price Sales Ratio2.061.27751.6365
Slightly volatile
Return On Assets0.0040.00230.0053
Very volatile
Asset Turnover0.05790.05660.044
Slightly volatile
Net Profit Margin0.080.04050.1258
Very volatile
Gross Profit Margin0.50.42090.6804
Very volatile
Price Fair Value1.20.87790.8071
Very volatile
Return On Equity0.04660.02780.0624
Pretty Stable

Pathfinder Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap72.7 M69.2 M53.9 M
Slightly volatile
Enterprise Value61.8 M119.3 M102.1 M
Slightly volatile

Pathfinder Fundamental Market Drivers

Cash And Short Term Investments300.9 M

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 Revenue83.5 M87.7 M
Cost Of Revenue48.3 M50.8 M
Sales General And Administrative To Revenue 0.22  0.26 
Capex To Revenue 0.10  0.05 
Revenue Per Share 13.70  14.38 
Ebit Per Revenue 0.06  0.11 

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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:
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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.
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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
(0.98)
Dividend Share
0.4
Earnings Share
0.35
Revenue Per Share
6.373
Quarterly Revenue Growth
(0.22)
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.
Altman
Z Score
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Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Technical
Analysis
Details
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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