Pathfinder Bancorp Inc.

16.10
-0.35 (-2.13%)
At close: Apr 04, 2025, 3:40 PM
16.35
1.55%
After-hours: Apr 04, 2025, 04:05 PM EDT

Pathfinder Bancorp Statistics

Share Statistics

Pathfinder Bancorp has 6.14M shares outstanding. The number of shares has increased by 0% in one year.

Shares Outstanding 6.14M
Shares Change (YoY) 0%
Shares Change (QoQ) 0%
Owned by Institutions (%) 16.58%
Shares Floating 3.5M
Failed to Deliver (FTD) Shares 19
FTD / Avg. Volume 0.32%

Short Selling Information

The latest short interest is 2.23K, so 0.04% of the outstanding shares have been sold short.

Short Interest 2.23K
Short % of Shares Out 0.04%
Short % of Float 0.06%
Short Ratio (days to cover) 0.23

Valuation Ratios

The PE ratio is 0 and the forward PE ratio is null. Pathfinder Bancorp's PEG ratio is 0.

PE Ratio 0
Forward PE n/a
PS Ratio 2.23
Forward PS null
PB Ratio 0.88
P/FCF Ratio 9.51
PEG Ratio 0
Financial Ratio History

Enterprise Valuation

Currently the Enterprise Value (EV) is not available for Pathfinder Bancorp.

EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 19.54, with a Debt / Equity ratio of 0.5.

Current Ratio 19.54
Quick Ratio 19.54
Debt / Equity 0.5
Debt / EBITDA -
Debt / FCF 5.44
Interest Coverage 0

Financial Efficiency

Return on Equity is n/a and Return on Invested Capital is n/a.

Return on Equity n/a
Return on Assets n/a
Return on Invested Capital n/a
Revenue Per Employee $297.48K
Profits Per Employee $0
Employee Count 161
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

Income Tax 0
Effective Tax Rate 0%

Stock Price Statistics

The stock price has increased by 31.75% in the last 52 weeks. The beta is 0.03, so Pathfinder Bancorp's price volatility has been higher than the market average.

Beta 0.03
52-Week Price Change 31.75%
50-Day Moving Average 16.84
200-Day Moving Average 16.32
Relative Strength Index (RSI) 46.66
Average Volume (20 Days) 5.95K

Income Statement

In the last 12 months, Pathfinder Bancorp had revenue of 47.9M and earned 0 in profits. Earnings per share was -0.76.

Revenue 47.9M
Gross Profit 47.9M
Operating Income 0
Net Income 0
EBITDA 0
EBIT n/a
Earnings Per Share (EPS) -0.76
Full Income Statement

Balance Sheet

The company has 13.96M in cash and 61M in debt, giving a net cash position of -47.04M.

Cash & Cash Equivalents 13.96M
Total Debt 61M
Net Cash -47.04M
Retained Earnings 77.82M
Total Assets 1.47B
Working Capital 1.13B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 11.21M and capital expenditures 0, giving a free cash flow of 11.21M.

Operating Cash Flow 11.21M
Capital Expenditures 0
Free Cash Flow 11.21M
FCF Per Share 1.84
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 0% and 0%.

Gross Margin 100%
Operating Margin n/a
Pretax Margin n/a
Profit Margin n/a
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 23.4%

Dividends & Yields

PBHC pays an annual dividend of $0.5, which amounts to a dividend yield of 2.53%.

Dividend Per Share $0.50
Dividend Yield 2.53%
Dividend Growth (YoY) 11.11%
Payout Ratio 92.59%
Earnings Yield n/a
FCF Yield n/a
Dividend Details

Analyst Forecast

Currently there are no analyst rating for PBHC.

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Stock Forecasts

Stock Splits

The last stock split was on Oct 17, 2014. It was a forward split with a ratio of 1647:1000.

Last Split Date Oct 17, 2014
Split Type forward
Split Ratio 1647:1000

Scores

Altman Z-Score 1.08
Piotroski F-Score 6