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XNASPBHC
Market cap95mUSD
Jan 10, Last price  
15.70USD
1D
-4.56%
1Q
-1.88%
Jan 2017
16.38%
Name

Pathfinder Bancorp Inc (MARYLAND)

Chart & Performance

D1W1MN
XNAS:PBHC chart
P/E
10.31
P/S
2.33
EPS
1.52
Div Yield, %
2.28%
Shrs. gr., 5y
7.18%
Rev. gr., 5y
6.83%
Revenues
41m
-11.27%
11,952,00010,782,00010,961,00011,709,00011,226,00014,667,00016,351,00017,455,00017,920,00019,035,00020,844,00022,939,00024,472,00027,302,00029,601,00033,147,00038,128,00043,701,00046,411,00041,179,000
Net income
9m
-4.42%
1,405,000462,0001,028,0001,122,000368,0001,615,0002,505,0002,323,0002,648,0002,406,0002,745,0002,889,0003,272,0003,006,0004,031,0004,276,0005,405,00012,407,0009,723,0009,293,000
CFO
15m
-28.99%
2,381,00010,622,0002,445,0002,924,0003,278,0001,101,0004,384,0004,010,0002,766,0005,111,0005,027,0006,311,0006,371,0006,842,0008,982,0008,120,00046,561,00020,154,00021,733,00015,432,000
Dividend
Oct 18, 20240.1 USD/sh
Earnings
Jan 30, 2025

Profile

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
URL
https://ir.pathfinderbank.com/home/default.aspx
IPO date
Nov 05, 1954
Employees
162
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
41,179
-11.27%
46,411
6.20%
Cost of revenue
17,476
17,533
Unusual Expense (Income)
NOPBT
23,703
28,878
NOPBT Margin
57.56%
62.22%
Operating Taxes
2,362
2,656
Tax Rate
9.96%
9.20%
NOPAT
21,341
26,222
Net income
9,293
-4.42%
9,723
-21.63%
Dividends
(2,187)
(2,037)
Dividend yield
2.59%
1.79%
Proceeds from repurchase of equity
623
14,103
BB yield
-0.74%
-12.41%
Debt
Debt current
125,680
60,333
Long-term debt
69,002
99,075
Deferred revenue
(6,282)
Other long-term liabilities
1,280,223
1,135,770
Net debt
(295,258)
(434,247)
Cash flow
Cash from operating activities
15,432
21,733
CAPEX
(1,966)
(5,209)
Cash from investing activities
(54,788)
(131,160)
Cash from financing activities
52,806
107,560
FCF
910,087
(845,749)
Balance
Cash
48,732
205,665
Long term investments
441,208
387,990
Excess cash
487,881
591,334
Stockholders' equity
67,142
59,796
Invested Capital
1,398,656
1,334,427
ROIC
1.56%
2.04%
ROCE
1.62%
2.06%
EV
Common stock shares outstanding
6,033
5,939
Price
14.01
-26.80%
19.14
11.47%
Market cap
84,522
-25.64%
113,672
26.75%
EV
(209,975)
(319,990)
EBITDA
25,043
29,950
EV/EBITDA
Interest
28,744
9,695
Interest/NOPBT
121.27%
33.57%