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Pathfinder Bancorp, Inc. (PBHC)

Stock Price: $10.40 USD -0.25 (-2.35%)
Updated Oct 20, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 49.44M
Revenue (ttm) 32.86M
Net Income (ttm) 6.69M
Shares Out 4.75M
EPS (ttm) 1.16
PE Ratio 8.97
Forward PE n/a
Dividend $0.24
Dividend Yield 2.31%

Stock Quote

Trading Day Oct 20, 2020
Last Price $10.40
Previous Close $10.65
Change ($) -0.25
Change (%) -2.35%
Day's Open 10.64
Day's Range 10.31 - 10.64
Day's Volume 1,059
52-Week Range 9.08 - 14.50

More Stats

Market Cap 49.44M
Enterprise Value 71.64M
Earnings Date (est) n/a
Ex-Dividend Date Oct 15, 2020
Shares Outstanding 4.75M
Float 2.93M
EPS (basic) 1.15
EPS (diluted) 1.16
FCF / Share 9.19
Dividend $0.24
Dividend Yield 2.31%
Earnings Yield 11.15%
FCF Yield 88.39%
Payout Ratio 20.90%
Shares Short 6,903
Short Ratio 3.21
Short % of Float 0.24%
Beta -0.09
PE Ratio 8.97
Forward PE n/a
P/FCF Ratio 1.13
PS Ratio 1.50
PB Ratio 0.55
Revenue 32.86M
Operating Income 8.37M
Net Income 6.69M
Free Cash Flow 43.70M
Net Cash -22.20M
Net Cash / Share -4.67
Gross Margin 94.89%
Operating Margin 25.48%
Profit Margin 16.10%
FCF Margin 133.01%
ROA 0.62%
ROE 7.47%
ROIC 0.70%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$n/a*
*No analysts have provided price targets for this stock.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue31.1828.1025.4423.5221.5919.6418.0017.1016.5215.30
Revenue Growth10.95%10.48%8.16%8.93%9.93%9.09%5.31%3.51%7.93%-
Gross Profit31.1828.1025.4423.5221.5919.6418.0017.1016.5215.30
Operating Income5.454.564.354.414.003.953.253.583.373.51
Net Income4.284.033.493.272.892.752.412.652.322.51
Shares Outstanding4.714.364.284.234.354.353.933.933.933.73
Earnings Per Share0.800.940.830.780.660.630.580.580.350.55
EPS Growth-14.89%13.25%6.41%18.18%4.76%8.62%0%67.15%-36.56%-
Dividend Per Share0.240.240.210.200.14-0.080.080.080.08
Dividend Growth1.27%13.94%4%42.86%--0%0%0%-
Operating Cash Flow8.128.986.846.376.315.035.112.774.014.38
Capital Expenditures-3.60-5.68-1.98-1.36-2.63-2.36-2.25-0.19-1.99-2.90
Free Cash Flow4.523.304.875.013.682.672.872.572.021.48
Cash & Equivalents32.0426.3221.9922.4215.2511.3617.0810.6712.2213.76
Total Debt11113488.9573.9756.2971.2646.0140.1231.2346.16
Net Cash / Debt-78.87-107-66.96-51.55-41.05-59.90-28.93-29.45-19.01-32.39
Assets1,094933881749623561504478443409
Liabilities1,003869819691552492461437405378
Book Value90.4364.2261.8157.9370.8168.7942.7140.7537.8430.59
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Pathfinder Bancorp, Inc.
Country United States
Employees 157
CEO Thomas W. Schneider

Stock Information

Ticker Symbol PBHC
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: PBHC

Description

Pathfinder Bancorp operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2020, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.