Pathfinder Bancorp Statistics
Share Statistics
Pathfinder Bancorp has 6.10M shares outstanding. The number of shares has increased by 29.26% in one year.
| Shares Outstanding | 6.10M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 3.58M |
| Failed to Deliver (FTD) Shares | 2 |
| FTD / Avg. Volume | 0.04% |
Short Selling Information
The latest short interest is 4.27K, so 0.07% of the outstanding shares have been sold short.
| Short Interest | 4.27K |
| Short % of Shares Out | 0.07% |
| Short % of Float | 0.12% |
| Short Ratio (days to cover) | 1.11 |
Valuation Ratios
The PE ratio is 9.1 and the forward PE ratio is null.
| PE Ratio | 9.1 |
| Forward PE | null |
| PS Ratio | 2.05 |
| Forward PS | null |
| PB Ratio | 0.71 |
| P/FCF Ratio | 6.28 |
| PEG Ratio | n/a |
Enterprise Valuation
Pathfinder Bancorp Inc. has an Enterprise Value (EV) of -.
| EV / Earnings | null |
| EV / Sales | null |
| EV / EBITDA | null |
| EV / EBIT | null |
| EV / FCF | null |
Financial Position
The company has a current ratio of 0.39, with a Debt / Equity ratio of 1.53.
| Current Ratio | 0.39 |
| Quick Ratio | 0.39 |
| Debt / Equity | 1.53 |
| Total Debt / Capitalization | 60.45 |
| Cash Flow / Debt | 0.08 |
| Interest Coverage | 0.41 |
Financial Efficiency
Return on equity (ROE) is 0.08% and return on capital (ROIC) is 2.84%.
| Return on Equity (ROE) | 0.08% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 2.84% |
| Revenue Per Employee | 255.77K |
| Profits Per Employee | 57.72K |
| Employee Count | 161 |
| Asset Turnover | 0.03 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 2.36M |
| Effective Tax Rate | 0.2 |
Stock Price Statistics
The stock price has increased by 30.15% in the last 52 weeks. The beta is 0.24, so Pathfinder Bancorp 's price volatility has been higher than the market average.
| Beta | 0.24 |
| 52-Week Price Change | 30.15% |
| 50-Day Moving Average | 17.29 |
| 200-Day Moving Average | 14.63 |
| Relative Strength Index (RSI) | 55.78 |
| Average Volume (20 Days) | 4.55K |
Income Statement
In the last 12 months, Pathfinder Bancorp had revenue of $41.18M and earned $9.29M in profits. Earnings per share was $1.16.
| Revenue | 41.18M |
| Gross Profit | 41.18M |
| Operating Income | 11.78M |
| Net Income | 9.29M |
| EBITDA | 0 |
| EBIT | 11.78M |
| Earnings Per Share (EPS) | 1.16 |
Balance Sheet
The company has $48.73M in cash and $211.60M in debt, giving a net cash position of -$162.87M.
| Cash & Cash Equivalents | 48.73M |
| Total Debt | 211.60M |
| Net Cash | -162.87M |
| Retained Earnings | 76.06M |
| Total Assets | 1.48B |
| Working Capital | 1.14B |
Cash Flow
In the last 12 months, operating cash flow was $15.43M and capital expenditures -$1.97M, giving a free cash flow of $13.47M.
| Operating Cash Flow | 15.43M |
| Capital Expenditures | -1.97M |
| Free Cash Flow | 13.47M |
| FCF Per Share | 2.23 |
Margins
Gross margin is 100%, with operating and profit margins of 28.62% and 22.57%.
| Gross Margin | 100% |
| Operating Margin | 28.62% |
| Pretax Margin | 28.62% |
| Profit Margin | 22.57% |
| EBITDA Margin | 0% |
| EBIT Margin | 28.62% |
| FCF Margin | 32.7% |
Dividends & Yields
PBHC pays an annual dividend of $0.4, which amounts to a dividend yield of 2.29%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.29% |
| Dividend Growth (YoY) | 11.11% |
| Payout Ratio | 125% |
| Earnings Yield | 6.65% |
| FCF Yield | 12.66% |
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 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 | 8 |