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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.51
PBHC's Cash to Debt is ranked lower than
67% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. PBHC: 0.51 )
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: 0.51
Equity to Asset 0.11
PBHC's Equity to Asset is ranked higher than
68% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBHC: 0.11 )
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: 0.11
0.06
0.12
Interest Coverage 1.51
PBHC's Interest Coverage is ranked lower than
51% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. PBHC: 1.51 )
Ranked among companies with meaningful Interest Coverage only.
PBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.59 Max: 1.51
Current: 1.51
0.06
1.51
F-Score: 6
WACC vs ROIC
4.48%
2.63%
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 (%) 17.45
PBHC's Operating margin (%) is ranked lower than
78% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. PBHC: 17.45 )
Ranked among companies with meaningful Operating margin (%) only.
PBHC' s Operating margin (%) Range Over the Past 10 Years
Min: 3.81  Med: 17.63 Max: 21.48
Current: 17.45
3.81
21.48
Net-margin (%) 12.59
PBHC's Net-margin (%) is ranked lower than
79% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. PBHC: 12.59 )
Ranked among companies with meaningful Net-margin (%) only.
PBHC' s Net-margin (%) Range Over the Past 10 Years
Min: 3.28  Med: 11.83 Max: 15.32
Current: 12.59
3.28
15.32
ROE (%) 3.94
PBHC's ROE (%) is ranked lower than
78% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. PBHC: 3.94 )
Ranked among companies with meaningful ROE (%) only.
PBHC' s ROE (%) Range Over the Past 10 Years
Min: 1.79  Med: 5.10 Max: 6.83
Current: 3.94
1.79
6.83
ROA (%) 0.48
PBHC's ROA (%) is ranked lower than
72% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PBHC: 0.48 )
Ranked among companies with meaningful ROA (%) only.
PBHC' s ROA (%) Range Over the Past 10 Years
Min: 0.11  Med: 0.47 Max: 0.64
Current: 0.48
0.11
0.64
Revenue Growth (3Y)(%) 5.90
PBHC's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. PBHC: 5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBHC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 7.20 Max: 107
Current: 5.9
-3.4
107
EBITDA Growth (3Y)(%) 4.80
PBHC's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. PBHC: 4.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBHC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -14.3  Med: 4.95 Max: 50.6
Current: 4.8
-14.3
50.6
EPS Growth (3Y)(%) 25.90
PBHC's EPS Growth (3Y)(%) is ranked higher than
83% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. PBHC: 25.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBHC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -40.4  Med: 6.60 Max: 68.5
Current: 25.9
-40.4
68.5
» PBHC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 17.92
PBHC's P/E(ttm) is ranked lower than
80% of the 2255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. PBHC: 17.92 )
Ranked among companies with meaningful P/E(ttm) only.
PBHC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.05  Med: 16.97 Max: 100.49
Current: 17.92
8.05
100.49
Forward P/E 10.92
PBHC's Forward P/E is ranked lower than
68% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.44 vs. PBHC: 10.92 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.92
PBHC's PE(NRI) is ranked lower than
77% of the 1705 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.34 vs. PBHC: 17.92 )
Ranked among companies with meaningful PE(NRI) only.
PBHC' s PE(NRI) Range Over the Past 10 Years
Min: 8.05  Med: 17.10 Max: 102.17
Current: 17.92
8.05
102.17
P/B 0.71
PBHC's P/B is ranked higher than
71% of the 2306 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PBHC: 0.71 )
Ranked among companies with meaningful P/B only.
PBHC' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 1.01 Max: 2.09
Current: 0.71
0.57
2.09
P/S 2.22
PBHC's P/S is ranked higher than
57% of the 2512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.48 vs. PBHC: 2.22 )
Ranked among companies with meaningful P/S only.
PBHC' s P/S Range Over the Past 10 Years
Min: 0.89  Med: 1.87 Max: 4.38
Current: 2.22
0.89
4.38
PFCF 12.16
PBHC's PFCF is ranked lower than
69% of the 1379 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.94 vs. PBHC: 12.16 )
Ranked among companies with meaningful PFCF only.
PBHC' s PFCF Range Over the Past 10 Years
Min: 2.43  Med: 11.86 Max: 254.25
Current: 12.16
2.43
254.25
POCF 8.09
PBHC's POCF is ranked lower than
55% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.05 vs. PBHC: 8.09 )
Ranked among companies with meaningful POCF only.
PBHC' s POCF Range Over the Past 10 Years
Min: 2.2  Med: 7.22 Max: 47
Current: 8.09
2.2
47
EV-to-EBIT 19.93
PBHC's EV-to-EBIT is ranked lower than
74% of the 2210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.37 vs. PBHC: 19.93 )
Ranked among companies with meaningful EV-to-EBIT only.
PBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.3  Med: 23.65 Max: 354.8
Current: 19.93
12.3
354.8
EV-to-EBITDA 16.10
PBHC's EV-to-EBITDA is ranked lower than
70% of the 2214 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.19 vs. PBHC: 16.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.3  Med: 17.80 Max: 56.6
Current: 16.1
10.3
56.6
PEG 3.98
PBHC's PEG is ranked lower than
89% of the 653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBHC: 3.98 )
Ranked among companies with meaningful PEG only.
PBHC' s PEG Range Over the Past 10 Years
Min: 0.5  Med: 1.19 Max: 26.24
Current: 3.98
0.5
26.24
Shiller P/E 28.39
PBHC's Shiller P/E is ranked lower than
85% of the 682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. PBHC: 28.39 )
Ranked among companies with meaningful Shiller P/E only.
PBHC' s Shiller P/E Range Over the Past 10 Years
Min: 10.29  Med: 18.47 Max: 31.07
Current: 28.39
10.29
31.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.33
PBHC's Dividend Yield is ranked lower than
83% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. PBHC: 1.33 )
Ranked among companies with meaningful Dividend Yield only.
PBHC' s Dividend Yield Range Over the Past 10 Years
Min: 0.71  Med: 1.69 Max: 8.61
Current: 1.33
0.71
8.61
Dividend Payout 0.16
PBHC's Dividend Payout is ranked higher than
83% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. PBHC: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
PBHC' s Dividend Payout Range Over the Past 10 Years
Min: -0.79  Med: 0.43 Max: 3
Current: 0.16
-0.79
3
Forward Dividend Yield 1.66
PBHC's Forward Dividend Yield is ranked lower than
81% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. PBHC: 1.66 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.95
PBHC's Yield on cost (5-Year) is ranked lower than
90% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. PBHC: 0.95 )
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: 0.51  Med: 1.21 Max: 6.15
Current: 0.95
0.51
6.15
3-Year Average Share Buyback Ratio -0.20
PBHC's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. PBHC: -0.20 )
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: -0.7  Med: 0.15 Max: 14.4
Current: -0.2
-0.7
14.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.71
PBHC's Price/Tangible Book is ranked higher than
74% of the 2217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. PBHC: 0.71 )
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: 0.71
0.71
3.45
Price/Projected FCF 0.62
PBHC's Price/Projected FCF is ranked higher than
51% of the 1375 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. PBHC: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
PBHC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.23  Med: 0.54 Max: 1.56
Current: 0.62
0.23
1.56
Price/Median PS Value 1.19
PBHC's Price/Median PS Value is ranked lower than
79% of the 2134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. PBHC: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
PBHC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 8.3
Current: 1.19
0.5
8.3
Price/Graham Number 0.76
PBHC's Price/Graham Number is ranked higher than
51% of the 2079 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. PBHC: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
PBHC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.51  Med: 1.18 Max: 5.28
Current: 0.76
0.51
5.28
Earnings Yield (Greenblatt) (%) 4.99
PBHC's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. PBHC: 4.99 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBHC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 4.20 Max: 8.1
Current: 4.99
0.3
8.1
Forward Rate of Return (Yacktman) (%) 8.34
PBHC's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. PBHC: 8.34 )
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: -2.4  Med: 19.20 Max: 38.2
Current: 8.34
-2.4
38.2

More Statistics

Revenue(Mil) $23
EPS $ 0.66
Beta0.55
Short Percentage of Float0.18%
52-Week Range $9.81 - 13.32
Shares Outstanding(Mil)4.35

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare: » details
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 primarily 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 primarily 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 strong 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.
» 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
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Pathfinder Bancorp, Inc. Declares Dividend Dec 19 2015
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Hamer Joins Pathfinder Bank as Business Development Specialist Nov 17 2015
PATHFINDER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 13 2015
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 02 2015
Pathfinder Bancorp, Inc. Announces Increased Third Quarter 2015 Net Income of $852,000 Oct 30 2015
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Pathfinder Bancorp, Inc. Reports First Quarter 2015 Net Income of $497,000 May 05 2015

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