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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.32
PBHC's Cash to Debt is ranked lower than
80% of the 1456 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. PBHC: 0.32 )
Ranked among companies with meaningful Cash to Debt only.
PBHC' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: N/A
Current: 0.32
Equity to Asset 0.09
PBHC's Equity to Asset is ranked lower than
63% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBHC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
PBHC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.09
0.06
0.12
Interest Coverage 1.33
PBHC's Interest Coverage is ranked lower than
56% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.71 vs. PBHC: 1.33 )
Ranked among companies with meaningful Interest Coverage only.
PBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.76 Max: 1.51
Current: 1.33
0.06
1.51
F-Score: 4
M-Score: -2.57
WACC vs ROIC
2.05%
3.05%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 17.91
PBHC's Operating margin (%) is ranked lower than
78% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.90 vs. PBHC: 17.91 )
Ranked among companies with meaningful Operating margin (%) only.
PBHC' s Operating margin (%) Range Over the Past 10 Years
Min: 4.2  Med: 17.81 Max: 21.48
Current: 17.91
4.2
21.48
Net-margin (%) 13.27
PBHC's Net-margin (%) is ranked lower than
77% of the 1633 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.30 vs. PBHC: 13.27 )
Ranked among companies with meaningful Net-margin (%) only.
PBHC' s Net-margin (%) Range Over the Past 10 Years
Min: 3.28  Med: 12.62 Max: 15.32
Current: 13.27
3.28
15.32
ROE (%) 4.67
PBHC's ROE (%) is ranked lower than
76% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. PBHC: 4.67 )
Ranked among companies with meaningful ROE (%) only.
PBHC' s ROE (%) Range Over the Past 10 Years
Min: 1.79  Med: 5.1 Max: 6.83
Current: 4.67
1.79
6.83
ROA (%) 0.50
PBHC's ROA (%) is ranked lower than
72% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. PBHC: 0.50 )
Ranked among companies with meaningful ROA (%) only.
PBHC' s ROA (%) Range Over the Past 10 Years
Min: 0.11  Med: 0.49 Max: 0.64
Current: 0.5
0.11
0.64
Revenue Growth (3Y)(%) 8.20
PBHC's Revenue Growth (3Y)(%) is ranked higher than
71% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. PBHC: 8.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBHC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 7.3 Max: 106.7
Current: 8.2
-3.4
106.7
EBITDA Growth (3Y)(%) 4.50
PBHC's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.10 vs. PBHC: 4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBHC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.7  Med: 4.9 Max: 51.1
Current: 4.5
-14.7
51.1
EPS Growth (3Y)(%) 7.70
PBHC's EPS Growth (3Y)(%) is ranked higher than
52% of the 1206 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBHC: 7.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBHC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.4  Med: 7.7 Max: 68.5
Current: 7.7
-40.4
68.5
» PBHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:JXSB, OTCPK:VLLX, NAS:BYFC, NAS:HFBL, OTCPK:LTLB, NAS:UCBA, NAS:ANCB, NAS:HMNF, OTCPK:GRRB, OTCPK:SFDL, OTCPK:BHWB, NAS:GTWN, NAS:PBBI, OTCPK:FIRT, NAS:WAYN, OTCBB:PBCP, NAS:PBSK, AMEX:BKJ, NAS:KFFB, OTCPK:EKFC » details
Pathfinder Bancorp Inc is a stock holding company. It is engaged in the attracting deposits and investing deposits in loans secured by one-to-four family residential real estate, commercial real estate, and business assets and in investment securities.

Pathfinder Bancorp Inc was incorporated on March 4, and opened its doors for business on May 28. The Bank changed its name from Oswego City Savings Bank to Pathfinder Bank on November 29, 2000. It is a federally chartered mid-tier holding company. The Company's business is its investment in Pathfinder Bank (the 'Bank'). The Bank is engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. The Bank invests a portion of its assets in securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The Bank also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises. The Bank's principal sources of funds are deposits, principal and interest payments on loans and investments, as well as borrowings from correspondent financial institutions. The principal source of income is interest on loans and investment securities. The Bank's principal expenses are interest paid on deposits, employee compensation and benefits, data processing and facilities. The Bank also operates through a limited purpose commercial bank subsidiary, Pathfinder Commercial Bank, which serves the depository needs of municipalities and public entities in its market area. The Bank encounters competition both in attracting deposits and in originating real estate and other loans. Its direct competition for deposits comes from commercial banks, savings banks, savings associations and credit unions in its market area. Competition for loans comes from such financial institutions as well as mortgage banking companies. The Bank is a New York-chartered stock savings bank and its deposit accounts are insured up to applicable limits by the FDIC through the Deposit Insurance Fund. The Bank is subject to extensive regulation by the New York State Department of Financial Services.

Ratios

vs
industry
vs
history
P/E(ttm) 16.57
PBHC's P/E(ttm) is ranked lower than
68% of the 1491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.32 vs. PBHC: 16.57 )
Ranked among companies with meaningful P/E(ttm) only.
PBHC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.05  Med: 16.69 Max: 94.59
Current: 16.57
8.05
94.59
PE(NRI) 16.57
PBHC's PE(NRI) is ranked lower than
68% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.36 vs. PBHC: 16.57 )
Ranked among companies with meaningful PE(NRI) only.
PBHC' s PE(NRI) Range Over the Past 10 Years
Min: 8.05  Med: 16.67 Max: 96.17
Current: 16.57
8.05
96.17
Price/Owner Earnings (ttm) 17.53
PBHC's Price/Owner Earnings (ttm) is ranked lower than
71% of the 838 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.83 vs. PBHC: 17.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PBHC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.15  Med: 19.23 Max: 274.86
Current: 17.53
8.15
274.86
P/B 0.88
PBHC's P/B is ranked higher than
63% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. PBHC: 0.88 )
Ranked among companies with meaningful P/B only.
PBHC' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 0.99 Max: 1.83
Current: 0.88
0.57
1.83
P/S 2.14
PBHC's P/S is ranked higher than
68% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. PBHC: 2.14 )
Ranked among companies with meaningful P/S only.
PBHC' s P/S Range Over the Past 10 Years
Min: 0.89  Med: 1.95 Max: 6.65
Current: 2.14
0.89
6.65
PFCF 14.85
PBHC's PFCF is ranked lower than
67% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. PBHC: 14.85 )
Ranked among companies with meaningful PFCF only.
PBHC' s PFCF Range Over the Past 10 Years
Min: 3.02  Med: 12.33 Max: 282.5
Current: 14.85
3.02
282.5
POCF 8.39
PBHC's POCF is ranked higher than
54% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.12 vs. PBHC: 8.39 )
Ranked among companies with meaningful POCF only.
PBHC' s POCF Range Over the Past 10 Years
Min: 2.93  Med: 7.81 Max: 1210
Current: 8.39
2.93
1210
EV-to-EBIT 24.98
PBHC's EV-to-EBIT is ranked lower than
80% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.74 vs. PBHC: 24.98 )
Ranked among companies with meaningful EV-to-EBIT only.
PBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.3  Med: 23.55 Max: 354.8
Current: 24.98
12.3
354.8
EV-to-EBITDA 20.16
PBHC's EV-to-EBITDA is ranked lower than
78% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. PBHC: 20.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.3  Med: 18.9 Max: 57.4
Current: 20.16
10.3
57.4
PEG 5.06
PBHC's PEG is ranked lower than
89% of the 736 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PBHC: 5.06 )
Ranked among companies with meaningful PEG only.
PBHC' s PEG Range Over the Past 10 Years
Min: 0.48  Med: 1.06 Max: 418.13
Current: 5.06
0.48
418.13
Shiller P/E 25.96
PBHC's Shiller P/E is ranked lower than
77% of the 486 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.59 vs. PBHC: 25.96 )
Ranked among companies with meaningful Shiller P/E only.
PBHC' s Shiller P/E Range Over the Past 10 Years
Min: 10.29  Med: 19.43 Max: 30.12
Current: 25.96
10.29
30.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.65
PBHC's Dividend Yield is ranked lower than
76% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. PBHC: 1.65 )
Ranked among companies with meaningful Dividend Yield only.
PBHC' s Dividend Yield Range Over the Past 10 Years
Min: 0.71  Med: 1.4 Max: 8.61
Current: 1.65
0.71
8.61
Dividend Payout 0.25
PBHC's Dividend Payout is ranked higher than
66% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PBHC: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
PBHC' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.42 Max: 1.8
Current: 0.25
0.09
1.8
Dividend Growth (3y) 37.60
PBHC's Dividend Growth (3y) is ranked higher than
88% of the 733 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.40 vs. PBHC: 37.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
PBHC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -33.6  Med: 0.9 Max: 37.6
Current: 37.6
-33.6
37.6
Forward Dividend Yield 1.64
PBHC's Forward Dividend Yield is ranked lower than
82% of the 2090 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. PBHC: 1.64 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.24
PBHC's Yield on cost (5-Year) is ranked lower than
54% of the 2524 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.48 vs. PBHC: 3.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBHC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.4  Med: 2.77 Max: 17.02
Current: 3.24
1.4
17.02
3-Year Average Share Buyback Ratio -0.30
PBHC's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1039 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBHC: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.8  Med: -0.2 Max: 14.6
Current: -0.3
-1.8
14.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
PBHC's Price/Tangible Book is ranked higher than
61% of the 1571 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. PBHC: 0.97 )
Ranked among companies with meaningful Price/Tangible Book only.
PBHC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 1.41 Max: 3.45
Current: 0.97
0.71
3.45
Price/Projected FCF 0.64
PBHC's Price/Projected FCF is ranked higher than
54% of the 847 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. PBHC: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
PBHC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.58 Max: 1.58
Current: 0.64
0.25
1.58
Price/DCF (Earnings Based) 0.67
PBHC's Price/DCF (Earnings Based) is ranked higher than
57% of the 104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.73 vs. PBHC: 0.67 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.11
PBHC's Price/Median PS Value is ranked lower than
62% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. PBHC: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
PBHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.06 Max: 8.1
Current: 1.11
0.48
8.1
Price/Graham Number 0.85
PBHC's Price/Graham Number is ranked higher than
50% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. PBHC: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
PBHC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 1.15 Max: 3.37
Current: 0.85
0.51
3.37
Earnings Yield (Greenblatt) (%) 4.02
PBHC's Earnings Yield (Greenblatt) (%) is ranked lower than
63% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. PBHC: 4.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 4.2 Max: 8.1
Current: 4.02
0.3
8.1
Forward Rate of Return (Yacktman) (%) 11.09
PBHC's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.00 vs. PBHC: 11.09 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBHC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.2  Med: 16.7 Max: 38
Current: 11.09
-8.2
38

More Statistics

Revenue (TTM) (Mil) $23.80
EPS (TTM) $ 0.73
Beta-0.09
Short Percentage of Float0.08%
52-Week Range $10.51 - 13.32
Shares Outstanding (Mil)4.36
» More Articles for PBHC

Headlines

Articles On GuruFocus.com
Winning Stocks Jan 20 2016 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Nov 15 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Aug 13 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Aug 14 2009 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) May 15 2009 

More From Other Websites
PATHFINDER BANCORP, INC. Financials Aug 23 2016
PATHFINDER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 12 2016
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K/A, Results of Operations and Financial Condition,... Aug 02 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 29 2016
Pathfinder Bancorp Second Quarter 2016 Net Income up 26% to $832,000 Jul 29 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 07 2016
Pathfinder Bancorp, Inc. Declares Dividend Jul 06 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events Jun 01 2016
PATHFINDER BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 13 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure May 09 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers May 05 2016
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 04 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 29 2016
Pathfinder Bancorp, Inc. Reports 30% Increase in First Quarter Net Income Apr 29 2016
Pathfinder Bancorp, Inc. Announces Stock Repurchase Program Apr 29 2016
PATHFINDER BANCORP, INC. Financials Apr 02 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 01 2016
Pathfinder Bancorp, Inc. Declares Dividend Apr 01 2016

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