Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $91.50 million. The enterprise value is $235.74 million.

Market Cap	91.50M
Enterprise Value	235.74M

Important Dates

The next estimated earnings date is Tuesday, July 30, 2024, after market close.

Earnings Date	Jul 30, 2024
Ex-Dividend Date	Jul 19, 2024

Share Statistics

PBHC has 6.10 million shares outstanding. The number of shares has increased by 1.13% in one year.

Shares Outstanding	6.10M
Shares Change (YoY)	+1.13%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	27.12%
Owned by Institutions (%)	27.27%
Float	3.11M

Valuation Ratios

The trailing PE ratio is 10.56.

PE Ratio	10.56
Forward PE	n/a
PS Ratio	2.25
Forward PS	n/a
PB Ratio	0.75
P/FCF Ratio	11.64
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 19.07, with an EV/FCF ratio of 29.98.

EV / Earnings	26.75
EV / Sales	5.79
EV / EBITDA	19.07
EV / EBIT	21.35
EV / FCF	29.98

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	1.42
Debt / EBITDA	14.03
Debt / FCF	22.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.50% and return on invested capital (ROIC) is 3.01%.

Return on Equity (ROE)	7.50%
Return on Assets (ROA)	0.60%
Return on Capital (ROIC)	3.01%
Revenue Per Employee	$252,932
Profits Per Employee	$54,745
Employee Count	161
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, PBHC has paid $2.23 million in taxes.

Income Tax	2.23M
Effective Tax Rate	20.16%

Stock Price Statistics

The stock price has increased by +0.07% in the last 52 weeks. The beta is 0.26, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.26
52-Week Price Change	+0.07%
50-Day Moving Average	12.82
200-Day Moving Average	12.87
Relative Strength Index (RSI)	82.99
Average Volume (20 Days)	3,959

Short Selling Information

The latest short interest is 2,403, so 0.04% of the outstanding shares have been sold short.

Short Interest	2,403
Short Previous Month	3,497
Short % of Shares Out	0.04%
Short % of Float	0.08%
Short Ratio (days to cover)	0.68

Income Statement

In the last 12 months, PBHC had revenue of $40.72 million and earned $8.81 million in profits. Earnings per share was $1.42.

Revenue	40.72M
Gross Profit	40.72M
Operating Income	11.15M
Pretax Income	11.04M
Net Income	8.81M
EBITDA	12.36M
EBIT	11.04M
Earnings Per Share (EPS)	$1.42

Full Income Statement

Balance Sheet

The company has $29.22 million in cash and $173.46 million in debt, giving a net cash position of -$144.24 million or -$23.64 per share.

Cash & Cash Equivalents	29.22M
Total Debt	173.46M
Net Cash	-144.24M
Net Cash Per Share	-$23.64
Equity (Book Value)	121.82M
Book Value Per Share	19.97
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $9.89 million and capital expenditures -$2.03 million, giving a free cash flow of $7.86 million.

Operating Cash Flow	9.89M
Capital Expenditures	-2.03M
Free Cash Flow	7.86M
FCF Per Share	$1.29

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 27.37% and 21.64%.

Gross Margin	100.00%
Operating Margin	27.37%
Pretax Margin	27.11%
Profit Margin	21.64%
EBITDA Margin	30.36%
EBIT Margin	27.11%
FCF Margin	19.31%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.67%.

Dividend Per Share	$0.40
Dividend Yield	2.67%
Dividend Growth (YoY)	5.56%
Years of Dividend Growth	3
Payout Ratio	28.17%
Buyback Yield	-1.13%
Shareholder Yield	1.54%
Earnings Yield	9.63%
FCF Yield	8.59%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on October 17, 2014. It was a forward split with a ratio of 1647:1000.

Last Split Date	Oct 17, 2014
Split Type	Forward
Split Ratio	1647:1000

Scores

Altman Z-Score	n/a
Piotroski F-Score	4