Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $109.69 million.
Important Dates
The last earnings date was Wednesday, October 30, 2024, after market close.
| Earnings Date | Oct 30, 2024 |
| Ex-Dividend Date | Oct 18, 2024 |
Share Statistics
PBHC has 6.09 million shares outstanding. The number of shares has increased by 1.29% in one year.
| Current Share Class | 4.71M |
| Shares Outstanding | 6.09M |
| Shares Change (YoY) | +1.29% |
| Shares Change (QoQ) | -0.61% |
| Owned by Insiders (%) | 19.51% |
| Owned by Institutions (%) | 21.38% |
| Float | 3.11M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | n/a |
| PS Ratio | 3.09 |
| Forward PS | n/a |
| PB Ratio | 0.91 |
| P/TBV Ratio | 1.01 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| 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 1.82%.
| Return on Equity (ROE) | 1.82% |
| Return on Assets (ROA) | 0.15% |
| Return on Capital (ROIC) | n/a |
| Revenue Per Employee | $203,989 |
| Profits Per Employee | -$1,489 |
| Employee Count | 174 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PBHC has paid $430,000 in taxes.
| Income Tax | 430,000 |
| Effective Tax Rate | 16.69% |
Stock Price Statistics
The stock price has increased by +38.84% in the last 52 weeks. The beta is 0.24, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.24 |
| 52-Week Price Change | +38.84% |
| 50-Day Moving Average | 16.78 |
| 200-Day Moving Average | 14.18 |
| Relative Strength Index (RSI) | 58.44 |
| Average Volume (20 Days) | 3,113 |
Short Selling Information
The latest short interest is 4,272, so 0.07% of the outstanding shares have been sold short.
| Short Interest | 4,272 |
| Short Previous Month | 3,891 |
| Short % of Shares Out | 0.07% |
| Short % of Float | 0.14% |
| Short Ratio (days to cover) | 1.11 |
Income Statement
In the last 12 months, PBHC had revenue of $35.49 million and -$259,000 in losses. Loss per share was -$0.04.
| Revenue | 35.49M |
| Gross Profit | 35.49M |
| Operating Income | 3.60M |
| Pretax Income | 11.04M |
| Net Income | -259,000 |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$0.04 |
Full Income StatementBalance Sheet
The company has $35.32 million in cash and $148.59 million in debt, giving a net cash position of -$113.27 million or -$18.59 per share.
| Cash & Cash Equivalents | 35.32M |
| Total Debt | 148.59M |
| Net Cash | -113.27M |
| Net Cash Per Share | -$18.59 |
| Equity (Book Value) | 121.10M |
| Book Value Per Share | 19.87 |
| Working Capital | -1.21B |
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 | 10.15% |
| Pretax Margin | 7.26% |
| Profit Margin | 5.67% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 19.31% |