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Price (delayed)
$17.37
Market cap
$105.96M
P/E Ratio
54.28
Dividend/share
$0.39
EPS
$0.32
Enterprise value
$219.23M
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 29% QoQ
The equity has grown by 6% YoY but it has contracted by 2.5% from the previous quarter
The stock's price to earnings (P/E) is 183% more than its last 4 quarters average of 19.2
Pathfinder Bancorp's EPS has plunged by 81% YoY and by 77% from the previous quarter
Key stats
What are the main financial stats of PBHC
Market
Valuations
Earnings
Shares outstanding
6.1M
Market cap
$105.96M
Enterprise value
$219.23M
Price to earnings (P/E)
54.28
Price to book (P/B)
0.88
Price to sales (P/S)
2.99
EV/EBIT
89.77
EV/EBITDA
60.73
EV/Sales
6.18
Revenue
$35.49M
Gross profit
$35.49M
Net income
$2.01M
EBIT
$2.44M
EBITDA
$3.61M
Free cash flow
$20.38M
Per share
Balance sheet
Liquidity
EPS
$0.32
EPS diluted
$0.32
Free cash flow per share
$3.34
Book value per share
$19.71
Revenue per share
$5.82
TBVPS
$241.17
Total assets
$1.48B
Total liabilities
$1.36B
Debt
$148.59M
Equity
$120.25M
Working capital
N/A
Debt to equity
1.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
31.38
Margins
Efficiency
Dividend
EBITDA margin
10.2%
Gross margin
100%
Net margin
5.7%
Operating margin
7.3%
Return on assets
0.1%
Return on equity
1.7%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
6.9%
Dividend yield
2.25%
DPS
$0.39
Payout ratio
121.9%
PBHC stock price
How has the Pathfinder Bancorp stock price performed over time
Intraday
1.16%
1 week
-0.17%
1 month
-3.5%
1 year
24.78%
YTD
23.98%
QTD
9.73%
Financial performance
How have Pathfinder Bancorp's revenue and profit performed over time
Revenue
$35.49M
Gross profit
$35.49M
Operating income
$2.58M
Net income
$2.01M
Gross margin
100%
Net margin
5.7%
Pathfinder Bancorp's net income has plunged by 80% YoY and by 77% from the previous quarter
Pathfinder Bancorp's operating income has plunged by 79% YoY and by 77% from the previous quarter
The company's net margin has shrunk by 77% YoY and by 73% QoQ
The company's operating margin has shrunk by 76% YoY and by 73% QoQ
Growth
What is Pathfinder Bancorp's growth rate over time
Valuation
What is Pathfinder Bancorp stock price valuation
P/E
54.28
P/B
0.88
P/S
2.99
EV/EBIT
89.77
EV/EBITDA
60.73
EV/Sales
6.18
The stock's price to earnings (P/E) is 183% more than its last 4 quarters average of 19.2
Pathfinder Bancorp's EPS has plunged by 81% YoY and by 77% from the previous quarter
PBHC's P/B is 26% above its last 4 quarters average of 0.7 and 10% above its 5-year quarterly average of 0.8
The equity has grown by 6% YoY but it has contracted by 2.5% from the previous quarter
PBHC's P/S is 42% above its 5-year quarterly average of 2.1 and 42% above its last 4 quarters average of 2.1
The revenue has declined by 16% year-on-year and by 14% since the previous quarter
Efficiency
How efficient is Pathfinder Bancorp business performance
The ROA has plunged by 86% YoY and by 83% from the previous quarter
The ROE has plunged by 81% YoY and by 77% from the previous quarter
Pathfinder Bancorp's ROS has plunged by 77% YoY and by 74% from the previous quarter
PBHC's return on invested capital has dropped by 75% year-on-year and by 71% since the previous quarter
Dividends
What is PBHC's dividend history
DPS
$0.39
Dividend yield
2.25%
Payout ratio
121.9%
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
Pathfinder Bancorp's total assets has increased by 6% YoY and by 2.6% from the previous quarter
The company's total liabilities rose by 6% YoY and by 3% QoQ
The company's debt is 24% higher than its equity
The company's debt fell by 29% QoQ
Pathfinder Bancorp's debt to equity has decreased by 27% QoQ and by 3.9% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.