Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $77.96 million. The enterprise value is $240.83 million.

Market Cap	77.96M
Enterprise Value	240.83M

Important Dates

The next estimated earnings date is Tuesday, May 7, 2024, after market close.

Earnings Date	May 7, 2024
Ex-Dividend Date	Apr 18, 2024

Share Statistics

PBHC has 6.10 million shares outstanding. The number of shares has increased by 1.64% in one year.

Shares Outstanding	6.10M
Shares Change (YoY)	+1.64%
Shares Change (QoQ)	+0.48%
Owned by Insiders (%)	28.17%
Owned by Institutions (%)	27.47%
Float	3.11M

Valuation Ratios

The trailing PE ratio is 8.46.

PE Ratio	8.46
Forward PE	n/a
PS Ratio	1.89
Forward PS	n/a
PB Ratio	0.65
P/FCF Ratio	5.79
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 18.53, with an EV/FCF ratio of 17.88.

EV / Earnings	25.92
EV / Sales	5.85
EV / EBITDA	18.53
EV / EBIT	20.66
EV / FCF	17.88

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	1.77
Debt / EBITDA	16.28
Debt / FCF	15.71
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.10% and return on invested capital (ROIC) is 2.84%.

Return on Equity (ROE)	8.10%
Return on Assets (ROA)	0.70%
Return on Capital (ROIC)	2.84%
Revenue Per Employee	$255,770
Profits Per Employee	$57,720
Employee Count	161
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, PBHC has paid $2.36 million in taxes.

Income Tax	2.36M
Effective Tax Rate	20.27%

Stock Price Statistics

The stock price has decreased by -18.39% in the last 52 weeks. The beta is 0.13, so PBHC's price volatility has been lower than the market average.

Beta (1Y)	0.13
52-Week Price Change	-18.39%
50-Day Moving Average	12.14
200-Day Moving Average	13.22
Relative Strength Index (RSI)	58.75
Average Volume (30 Days)	2,330

Short Selling Information

The latest short interest is 3,367, so 0.06% of the outstanding shares have been sold short.

Short Interest	3,367
Short Previous Month	8,165
Short % of Shares Out	0.06%
Short % of Float	0.11%
Short Ratio (days to cover)	1.86

Income Statement

In the last 12 months, PBHC had revenue of $41.18 million and earned $9.29 million in profits. Earnings per share was $1.51.

Revenue	41.18M
Gross Profit	41.18M
Operating Income	11.78M
Pretax Income	11.66M
Net Income	9.29M
EBITDA	13.00M
EBIT	11.66M
Earnings Per Share (EPS)	$1.51

Full Income Statement

Balance Sheet

The company has $48.73 million in cash and $211.61 million in debt, giving a net cash position of -$162.87 million or -$26.70 per share.

Cash & Cash Equivalents	48.73M
Total Debt	211.61M
Net Cash	-162.87M
Net Cash Per Share	-$26.70
Equity / Book Value	119.50M
Book Value Per Share	19.59
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $15.43 million and capital expenditures -$1.97 million, giving a free cash flow of $13.47 million.

Operating Cash Flow	15.43M
Capital Expenditures	-1.97M
Free Cash Flow	13.47M
FCF Per Share	$2.21

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 28.62% and 22.57%.

Gross Margin	100.00%
Operating Margin	28.62%
Pretax Margin	28.30%
Profit Margin	22.57%
EBITDA Margin	31.56%
EBIT Margin	28.30%
FCF Margin	32.70%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 3.13%.

Dividend Per Share	$0.40
Dividend Yield	3.13%
Dividend Growth (YoY)	2.78%
Years of Dividend Growth	3
Payout Ratio	26.49%
Buyback Yield	-1.64%
Shareholder Yield	1.49%
Earnings Yield	11.92%
FCF Yield	17.27%

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