Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $100.29 million. The enterprise value is $200.10 million.
Important Dates
The next estimated earnings date is Monday, April 28, 2025, after market close.
| Earnings Date | Apr 28, 2025 |
| Ex-Dividend Date | Jan 17, 2025 |
Share Statistics
PBHC has 6.10 million shares outstanding. The number of shares has increased by 1.01% in one year.
| Current Share Class | 4.72M |
| Shares Outstanding | 6.10M |
| Shares Change (YoY) | +1.01% |
| Shares Change (QoQ) | +0.30% |
| Owned by Insiders (%) | 20.36% |
| Owned by Institutions (%) | 21.19% |
| Float | 3.07M |
Valuation Ratios
The trailing PE ratio is 24.99.
| PE Ratio | 24.99 |
| Forward PE | n/a |
| PS Ratio | 2.35 |
| Forward PS | n/a |
| PB Ratio | 0.77 |
| P/TBV Ratio | 0.86 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 53.22 |
| EV / Sales | 5.00 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.30%.
| Return on Equity (ROE) | 4.30% |
| Return on Assets (ROA) | 0.35% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $230,000 |
| Profits Per Employee | $21,609 |
| Employee Count | 174 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PBHC has paid $398,000 in taxes.
| Income Tax | 398,000 |
| Effective Tax Rate | 7.10% |
Stock Price Statistics
The stock price has increased by +32.80% in the last 52 weeks. The beta is 0.23, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.23 |
| 52-Week Price Change | +32.80% |
| 50-Day Moving Average | 16.85 |
| 200-Day Moving Average | 16.24 |
| Relative Strength Index (RSI) | 46.32 |
| Average Volume (20 Days) | 2,042 |
Short Selling Information
The latest short interest is 5,044, so 0.08% of the outstanding shares have been sold short.
| Short Interest | 5,044 |
| Short Previous Month | 5,843 |
| Short % of Shares Out | 0.08% |
| Short % of Float | 0.16% |
| Short Ratio (days to cover) | 1.11 |
Income Statement
In the last 12 months, PBHC had revenue of $40.02 million and earned $3.76 million in profits. Earnings per share was $0.62.
| Revenue | 40.02M |
| Gross Profit | 40.02M |
| Operating Income | 6.62M |
| Pretax Income | 11.04M |
| Net Income | 3.76M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.62 |
Full Income StatementBalance Sheet
The company has $31.57 million in cash and $136.51 million in debt, giving a net cash position of -$104.94 million or -$17.20 per share.
| Cash & Cash Equivalents | 31.57M |
| Total Debt | 136.51M |
| Net Cash | -104.94M |
| Net Cash Per Share | -$17.20 |
| Equity (Book Value) | 121.86M |
| Book Value Per Share | 19.94 |
| Working Capital | -1.23B |
Full Balance SheetCash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 16.54% |
| Pretax Margin | 14.00% |
| Profit Margin | 9.40% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |