PBHC Pathfinder Bancorp, Inc.
Price (delayed)
$16.85
Market cap
$103.53M
P/E Ratio
31.2
Dividend/share
$0.4
EPS
$0.54
Enterprise value
$208.47M
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 35% YoY and by 8% QoQ
Pathfinder Bancorp's EPS has soared by 69% from the previous quarter but it has plunged by 64% YoY
Pathfinder Bancorp's net income has soared by 68% from the previous quarter but it has plunged by 64% YoY
The stock's price to earnings (P/E) is 150% more than its 5-year quarterly average of 12.5 and 25% more than its last 4 quarters average of 25.0
Key stats
What are the main financial stats of PBHC
Market
Valuations
Earnings
Shares outstanding
6.14M
Market cap
$103.53M
Enterprise value
$208.47M
Price to earnings (P/E)
31.2
Price to book (P/B)
0.85
Price to sales (P/S)
2.6
EV/EBIT
56.11
EV/EBITDA
41.26
EV/Sales
5.27
Revenue
$39.58M
Gross profit
$39.58M
Operating income
$5.16M
Net income
$3.38M
EBIT
$3.72M
EBITDA
$5.05M
Free cash flow
$12.15M
Per share
Balance sheet
Liquidity
EPS
$0.54
EPS diluted
$0.54
Free cash flow per share
$1.99
Book value per share
$19.92
Revenue per share
$6.49
TBVPS
$239.97
Total assets
$1.47B
Total liabilities
$1.35B
Debt
$136.51M
Equity
$121.48M
Working capital
N/A
Debt to equity
1.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
20.77
Margins
Efficiency
Dividend
EBITDA margin
12.8%
Gross margin
100%
Net margin
8.5%
Operating margin
13%
Return on assets
0.2%
Return on equity
2.8%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
9.4%
Dividend yield
2.37%
DPS
$0.4
Payout ratio
74.1%
PBHC stock price
How has the Pathfinder Bancorp stock price performed over time
Intraday
2.49%
1 week
0.72%
1 month
-1.46%
1 year
38.11%
YTD
-3.71%
QTD
2.49%
Financial performance
How have Pathfinder Bancorp's revenue and profit performed over time
Revenue
$39.58M
Gross profit
$39.58M
Operating income
$5.16M
Net income
$3.38M
Gross margin
100%
Net margin
8.5%
Pathfinder Bancorp's operating income has soared by 100% from the previous quarter but it has plunged by 56% YoY
The company's operating margin has surged by 78% QoQ but it has shrunk by 55% YoY
Pathfinder Bancorp's net income has soared by 68% from the previous quarter but it has plunged by 64% YoY
The company's net margin has shrunk by 62% YoY but it rose by 49% QoQ
Growth
What is Pathfinder Bancorp's growth rate over time
Valuation
What is Pathfinder Bancorp stock price valuation
P/E
31.2
P/B
0.85
P/S
2.6
EV/EBIT
56.11
EV/EBITDA
41.26
EV/Sales
5.27
The stock's price to earnings (P/E) is 150% more than its 5-year quarterly average of 12.5 and 25% more than its last 4 quarters average of 25.0
Pathfinder Bancorp's EPS has soared by 69% from the previous quarter but it has plunged by 64% YoY
PBHC's P/B is 21% above its last 4 quarters average of 0.7 and 6% above its 5-year quarterly average of 0.8
PBHC's P/S is 18% above its 5-year quarterly average of 2.2 and 13% above its last 4 quarters average of 2.3
The revenue has grown by 12% since the previous quarter but it has declined by 3.9% year-on-year
Efficiency
How efficient is Pathfinder Bancorp business performance
The ROA has soared by 100% from the previous quarter but it has plunged by 71% YoY
PBHC's return on invested capital has dropped by 75% year-on-year
Pathfinder Bancorp's ROS has plunged by 67% YoY but it has increased by 36% from the previous quarter
The ROE has plunged by 65% YoY but it has soared by 65% from the previous quarter
Dividends
What is PBHC's dividend history
DPS
$0.4
Dividend yield
2.37%
Payout ratio
74.1%
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 debt is 12% higher than its equity
Pathfinder Bancorp's debt to equity has decreased by 37% YoY and by 10% QoQ
The company's debt fell by 35% YoY and by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.