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PBHC Pathfinder Bancorp, Inc.
- Stocks
- Financial Services
- NASDAQ: PBHC
Price (delayed)
$14.95
Market cap
$91.81M
P/E Ratio
21.99
Dividend/share
$0.4
EPS
$0.68
Enterprise value
$133.35M
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
Highlights
The company's debt fell by 46% YoY and by 32% QoQ
The revenue has grown by 4.4% since the previous quarter
The stock's price to earnings (P/E) is 68% more than its 5-year quarterly average of 13.1 but 24% less than its last 4 quarters average of 28.8
Pathfinder Bancorp's net income has plunged by 52% YoY but it has increased by 25% from the previous quarter
Key stats
What are the main financial stats of PBHC
Market
Valuations
Earnings
Shares outstanding
6.14M
Market cap
$91.81M
Enterprise value
$133.35M
Price to earnings (P/E)
21.99
Price to book (P/B)
0.74
Price to sales (P/S)
2.22
EV/EBIT
27.89
EV/EBITDA
21.23
EV/Sales
3.23
Revenue
$41.32M
Gross profit
$41.32M
Operating income
$6.17M
Net income
$4.24M
EBIT
$4.78M
EBITDA
$6.28M
Free cash flow
$16.94M
Per share
Balance sheet
Liquidity
EPS
$0.68
EPS diluted
$0.61
Free cash flow per share
$2.76
Book value per share
$20.33
Revenue per share
$6.72
TBVPS
$241.61
Total assets
$1.5B
Total liabilities
$1.37B
Debt
$93M
Equity
$124.9M
Working capital
N/A
Debt to equity
0.74
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.61
Margins
Efficiency
Dividend
EBITDA margin
15.2%
Gross margin
100%
Net margin
10.3%
Operating margin
14.9%
Return on assets
0.3%
Return on equity
3.5%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
11.6%
Dividend yield
2.68%
DPS
$0.4
Payout ratio
58.8%
PBHC stock price
How has the Pathfinder Bancorp stock price performed over time
Intraday
0.34%
1 week
-4.41%
1 month
2.05%
1 year
17.25%
YTD
-14.57%
QTD
-9.06%
Financial performance
How have Pathfinder Bancorp's revenue and profit performed over time
Revenue
$41.32M
Gross profit
$41.32M
Operating income
$6.17M
Net income
$4.24M
Gross margin
100%
Net margin
10.3%
Pathfinder Bancorp's net income has plunged by 52% YoY but it has increased by 25% from the previous quarter
The company's net margin has shrunk by 52% YoY but it rose by 21% QoQ
The company's operating margin fell by 46% YoY but it rose by 15% QoQ
Pathfinder Bancorp's operating income has decreased by 45% YoY but it has increased by 20% from the previous quarter
Price vs fundamentals
How does PBHC's price correlate with its fundamentals
Growth
What is Pathfinder Bancorp's growth rate over time
Valuation
What is Pathfinder Bancorp stock price valuation
P/E
21.99
P/B
0.74
P/S
2.22
EV/EBIT
27.89
EV/EBITDA
21.23
EV/Sales
3.23
The stock's price to earnings (P/E) is 68% more than its 5-year quarterly average of 13.1 but 24% less than its last 4 quarters average of 28.8
Pathfinder Bancorp's EPS has plunged by 52% YoY but it has increased by 26% from the previous quarter
PBHC's P/B is 8% below its 5-year quarterly average of 0.8 and 8% below its last 4 quarters average of 0.8
The equity has grown by 2.8% from the previous quarter and by 2.5% YoY
PBHC's P/S is 11% below its last 4 quarters average of 2.5
The revenue has grown by 4.4% since the previous quarter
Efficiency
How efficient is Pathfinder Bancorp business performance
Pathfinder Bancorp's ROS has plunged by 57% YoY but it has increased by 23% from the previous quarter
PBHC's return on invested capital has dropped by 57% year-on-year but it has surged by 50% since the previous quarter
The ROE has plunged by 53% YoY but it has increased by 25% from the previous quarter
The ROA has soared by 50% from the previous quarter but it has plunged by 50% YoY
Dividends
What is PBHC's dividend history
DPS
$0.4
Dividend yield
2.68%
Payout ratio
58.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Pathfinder Bancorp financials performed over time
Pathfinder Bancorp's total assets is 9% more than its total liabilities
The company's total liabilities rose by 3% YoY
Pathfinder Bancorp's total assets has increased by 2.9% YoY
The company's debt is 26% lower than its equity
Pathfinder Bancorp's debt to equity has decreased by 48% YoY and by 34% QoQ
The company's debt fell by 46% YoY and by 32% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.