Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $107.42 million. The enterprise value is $219.63 million.
Important Dates
The next estimated earnings date is Thursday, January 30, 2025, after market close.
| Earnings Date | Jan 30, 2025 |
| Ex-Dividend Date | Oct 18, 2024 |
Share Statistics
PBHC has 6.10 million shares outstanding. The number of shares has increased by 1.29% in one year.
| Current Share Class | 4.72M |
| Shares Outstanding | 6.10M |
| Shares Change (YoY) | +1.29% |
| Shares Change (QoQ) | +0.10% |
| Owned by Insiders (%) | 19.60% |
| Owned by Institutions (%) | 21.36% |
| Float | 3.11M |
Valuation Ratios
The trailing PE ratio is 70.35.
| PE Ratio | 70.35 |
| Forward PE | n/a |
| PS Ratio | 3.02 |
| Forward PS | n/a |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.99 |
| P/FCF Ratio | 5.27 |
| P/OCF Ratio | 4.82 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 144.21 |
| EV / Sales | 6.19 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.78 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 7.29 |
| 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 | $8,753 |
| 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 +33.21% 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 | +33.21% |
| 50-Day Moving Average | 17.42 |
| 200-Day Moving Average | 14.78 |
| Relative Strength Index (RSI) | 52.04 |
| Average Volume (20 Days) | 4,527 |
Short Selling Information
The latest short interest is 3,528, so 0.06% of the outstanding shares have been sold short.
| Short Interest | 3,528 |
| Short Previous Month | 4,182 |
| Short % of Shares Out | 0.06% |
| Short % of Float | 0.11% |
| Short Ratio (days to cover) | 1.11 |
Income Statement
In the last 12 months, PBHC had revenue of $35.49 million and earned $1.52 million in profits. Earnings per share was $0.25.
| Revenue | 35.49M |
| Gross Profit | 35.49M |
| Operating Income | 3.60M |
| Pretax Income | 11.04M |
| Net Income | 1.52M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.25 |
Full Income StatementBalance Sheet
The company has $36.38 million in cash and $148.59 million in debt, giving a net cash position of -$112.21 million or -$18.39 per share.
| Cash & Cash Equivalents | 36.38M |
| Total Debt | 148.59M |
| Net Cash | -112.21M |
| Net Cash Per Share | -$18.39 |
| Equity (Book Value) | 121.10M |
| Book Value Per Share | 19.71 |
| Working Capital | -1.21B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $22.29 million and capital expenditures -$1.92 million, giving a free cash flow of $20.38 million.
| Operating Cash Flow | 22.29M |
| Capital Expenditures | -1.92M |
| Free Cash Flow | 20.38M |
| FCF Per Share | $3.34 |
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 | 57.41% |