Pathfinder Bancorp Inc. (PBHC)
AI Score
Our AI model analyzes fundamental, technical, and statistical indicators
to predict the probability of a bullish trend over the next three months.
We regularly update and refine our models to deliver the most reliable forecasts
for you.
Bullish Probability | Sentiment | Score |
---|---|---|
+80% | Strong Buy | 10 |
+75% | Buy | 9 |
+70% | Buy | 8 |
+60% | Buy | 7 |
+50% | Hold | 6 |
+45% | Hold | 5 |
+40% | Hold | 4 |
+35% | Sell | 3 |
+30% | Sell | 2 |
+20% | Strong Sell | 1 |
16.51
0.47 (2.93%)
At close: Jan 28, 2025, 9:44 AM
Ratios (Annual)
Discover comprehensive ratio statement breakdowns that reveal insights into revenue, expenses, and beyond.
Year | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | FY08 | FY07 | FY06 | FY05 | FY04 | FY03 | FY02 | FY01 | FY00 | FY99 | FY98 | FY97 | FY96 |
PE Ratio | 9.10 | 11.69 | 7.23 | 9.79 | 14.51 | 16.20 | 20.91 | 16.92 | 18.41 | 14.84 | 14.13 | 9.74 | 9.55 | 8.43 | 8.62 | 42.14 | 22.77 | 31.02 | 68.75 | 28.71 | 27.01 | 32.69 | 21.25 | 42.83 | 26.22 | 20.74 | 46.51 | 20.81 |
PS Ratio | 2.05 | 2.45 | 2.05 | 1.39 | 1.87 | 2.21 | 2.30 | 2.26 | 2.32 | 1.95 | 1.79 | 1.44 | 1.27 | 1.29 | 0.95 | 1.38 | 2.18 | 2.91 | 2.95 | 3.38 | 3.73 | 3.47 | 3.51 | 1.79 | 2.65 | 2.86 | 52.57 | 16.38 |
PB Ratio | 0.71 | 1.02 | 0.81 | 0.54 | 0.69 | 1.02 | 1.02 | 0.96 | 0.75 | 0.59 | 0.80 | 0.63 | 0.59 | 0.69 | 0.48 | 0.80 | 1.18 | 1.53 | 1.52 | 1.85 | 2.05 | 1.63 | 1.54 | 0.73 | 1.17 | 1.12 | 3.66 | 1.24 |
P/FCF Ratio | 6.28 | 6.88 | 4.73 | 1.17 | 13.72 | 19.85 | 12.91 | 11.06 | 14.46 | 15.28 | 11.94 | 10.02 | 11.00 | 14.51 | 19.38 | 5.28 | 12.90 | 14.99 | 3.35 | 46.85 | 24.45 | 12.14 | -6.84 | 8.39 | 5.36 | 31.11 | 39.31 | 17.26 |
P/OCF Ratio | 5.48 | 5.23 | 4.45 | 1.14 | 7.64 | 7.27 | 9.19 | 8.69 | 8.43 | 8.10 | 6.65 | 9.32 | 5.53 | 4.82 | 12.64 | 4.73 | 8.74 | 13.04 | 2.99 | 16.94 | 13.14 | 9.39 | -8.12 | 7.15 | 4.54 | 13.83 | 31.19 | 11.28 |
OCF/S Ratio | 0.37 | 0.47 | 0.46 | 1.22 | 0.24 | 0.30 | 0.25 | 0.26 | 0.28 | 0.24 | 0.27 | 0.15 | 0.23 | 0.27 | 0.08 | 0.29 | 0.25 | 0.22 | 0.99 | 0.20 | 0.28 | 0.37 | -0.43 | 0.25 | 0.58 | 0.21 | 1.69 | 1.45 |
Debt / Equity Ratio | 1.77 | 1.37 | 0.99 | 1.27 | 1.23 | 2.08 | 1.44 | 1.28 | 0.80 | 1.04 | 1.08 | 0.98 | 0.83 | 1.51 | 1.41 | 2.93 | 2.01 | 1.51 | 1.74 | 1.86 | 2.11 | 2.06 | 2.23 | 2.25 | 2.13 | 0.84 | 0.79 | 0.38 |
Quick Ratio | 0.39 | 4.25 | 21.73 | 53.24 | 6.23 | 17.19 | 20.24 | 12.67 | 18.42 | 7.51 | 15.45 | 38.90 | 2.26K | 23.84 | n/a | 15.32 | 13.26 | n/a | 105.22 | 214.92 | 99.54 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Current Ratio | 0.39 | 18.14 | 18.43 | 41.84 | 5.29 | 17.19 | 20.24 | 12.67 | 18.42 | 7.51 | 15.45 | 38.90 | 2.26K | 23.84 | n/a | 15.32 | 13.26 | n/a | 105.22 | 214.92 | 99.54 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Asset Turnover | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.01 | 0.01 |
Interest Coverage | 0.41 | 2.50 | 2.11 | 0.76 | 0.40 | 1.51 | 1.70 | 2.15 | 2.49 | 2.49 | 2.00 | 1.92 | 1.78 | 1.73 | 1.44 | 1.06 | 1.17 | 1.17 | 1.06 | 1.34 | 1.38 | 1.22 | 1.25 | 1.06 | 1.19 | 1.24 | 1.38 | 1.28 |
Return on Equity (ROE) | 0.08 | 0.09 | 0.11 | 0.06 | 0.05 | 0.06 | 0.05 | 0.06 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 | 0.08 | 0.06 | 0.02 | 0.05 | 0.05 | 0.02 | 0.06 | 0.08 | 0.05 | 0.07 | 0.02 | 0.04 | 0.05 | 0.08 | 0.06 |
Return on Assets (ROA) | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Return on Capital (ROIC) | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 |
Dividend Yield | 0.03 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.04 | 0.03 | 0.02 | 0.00 | 0.01 |
Payout Ratio | 0.24 | 0.21 | 0.13 | 0.26 | 0.29 | 0.25 | 0.29 | 0.28 | 0.26 | 0.14 | 0.16 | 0.31 | 0.33 | 0.25 | 0.33 | 1.89 | 0.62 | 0.67 | 1.48 | 0.47 | 0.39 | 0.36 | 0.33 | 1.73 | 0.67 | 0.42 | 0.19 | 0.22 |
Gross Profit Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 97.04% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Net Profit Margin | 22.57% | 20.95% | 28.39% | 14.18% | 12.90% | 13.62% | 11.01% | 13.37% | 12.59% | 13.17% | 12.64% | 14.78% | 13.31% | 15.32% | 11.01% | 3.28% | 9.58% | 9.38% | 4.28% | 11.76% | 13.83% | 10.62% | 16.50% | 4.18% | 10.11% | 13.79% | 113.05% | 78.71% |
Pretax Profit Margin | 28.62% | 33.80% | 36.63% | 21.88% | 16.44% | 15.39% | 15.91% | 18.02% | 17.45% | 18.97% | 17.08% | 19.96% | 19.29% | 21.48% | 18.17% | 4.20% | 12.86% | 11.59% | 3.81% | 15.96% | 18.86% | 14.19% | 22.10% | 6.48% | 14.61% | 19.54% | 159.50% | 110.02% |
Operating Profit Margin | 28.62% | 52.17% | 36.40% | 21.62% | 16.41% | 46.02% | 39.20% | 33.45% | 28.85% | 31.24% | 34.24% | 41.77% | 44.16% | 50.88% | 59.28% | 72.56% | 86.67% | 80.40% | 62.76% | 62.58% | 68.65% | 78.71% | 109.47% | 106.64% | 93.26% | 100.00% | 579.65% | 506.97% |
FCF Margin | 32.70% | 35.60% | 43.34% | 118.81% | 13.65% | 11.11% | 17.83% | 20.47% | 16.04% | 12.79% | 14.96% | 14.36% | 11.56% | 8.90% | 4.90% | 26.16% | 16.91% | 19.41% | 87.97% | 7.20% | 15.28% | 28.60% | -51.25% | 21.33% | 49.44% | 9.20% | 133.75% | 94.88% |
EBITDA Margin | n/a | 35.31% | 42.82% | 25.49% | n/a | n/a | n/a | 22.29% | n/a | n/a | 20.15% | 24.36% | 29.76% | 34.12% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |