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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 No Debt
PBHC's Cash to Debt is ranked higher than
91% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PBHC: No Debt )
PBHC' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: No Debt

Interest Coverage 1.00
PBHC's Interest Coverage is ranked higher than
64% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PBHC: 1.00 )
PBHC' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1
Current: 1

0.06
1
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 (%) 17.14
PBHC's Operating margin (%) is ranked higher than
59% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. PBHC: 17.14 )
PBHC' s 10-Year Operating margin (%) Range
Min: -271.35   Max: 22.1
Current: 17.14

-271.35
22.1
Net-margin (%) 12.28
PBHC's Net-margin (%) is ranked higher than
58% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. PBHC: 12.28 )
PBHC' s 10-Year Net-margin (%) Range
Min: 3.28   Max: 113.05
Current: 12.28

3.28
113.05
ROE (%) 6.99
PBHC's ROE (%) is ranked higher than
69% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. PBHC: 6.99 )
PBHC' s 10-Year ROE (%) Range
Min: 1.73   Max: 8.37
Current: 6.99

1.73
8.37
ROA (%) 0.58
PBHC's ROA (%) is ranked higher than
65% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PBHC: 0.58 )
PBHC' s 10-Year ROA (%) Range
Min: 0.11   Max: 0.96
Current: 0.58

0.11
0.96
ROC (Joel Greenblatt) (%) 19.74
PBHC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. PBHC: 19.74 )
PBHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -196.03   Max: 44.98
Current: 19.74

-196.03
44.98
Revenue Growth (%) 4.60
PBHC's Revenue Growth (%) is ranked higher than
85% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBHC: 4.60 )
PBHC' s 10-Year Revenue Growth (%) Range
Min: -3.4   Max: 106.7
Current: 4.6

-3.4
106.7
EBITDA Growth (%) -2.00
PBHC's EBITDA Growth (%) is ranked higher than
64% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBHC: -2.00 )
PBHC' s 10-Year EBITDA Growth (%) Range
Min: -11.4   Max: 45.7
Current: -2

-11.4
45.7
EPS Growth (%) 5.10
PBHC's EPS Growth (%) is ranked higher than
71% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PBHC: 5.10 )
PBHC' s 10-Year EPS Growth (%) Range
Min: -41.5   Max: 72.4
Current: 5.1

-41.5
72.4
» PBHC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with PBHC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



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Ratios

vs
industry
vs
history
P/E(ttm) 17.00
PBHC's P/E(ttm) is ranked higher than
75% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. PBHC: 17.00 )
PBHC' s 10-Year P/E(ttm) Range
Min: 7.74   Max: 99.43
Current: 17

7.74
99.43
P/S 2.09
PBHC's P/S is ranked higher than
88% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. PBHC: 2.09 )
PBHC' s 10-Year P/S Range
Min: 0.89   Max: 4.26
Current: 2.09

0.89
4.26
EV-to-EBIT 12.14
PBHC's EV-to-EBIT is ranked higher than
83% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. PBHC: 12.14 )
PBHC' s 10-Year EV-to-EBIT Range
Min: 10.6   Max: 171
Current: 12.14

10.6
171
PEG 4.69
PBHC's PEG is ranked higher than
84% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBHC: 4.69 )
PBHC' s 10-Year PEG Range
Min: 0.49   Max: 9.75
Current: 4.69

0.49
9.75
Shiller P/E 19.06
PBHC's Shiller P/E is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBHC: 19.06 )
PBHC' s 10-Year Shiller P/E Range
Min: 10.68   Max: 45.53
Current: 19.06

10.68
45.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.75
PBHC's Dividend Yield is ranked lower than
87% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. PBHC: 0.75 )
PBHC' s 10-Year Dividend Yield Range
Min: 0.7   Max: 8.6
Current: 0.75

0.7
8.6
Dividend Payout 0.14
PBHC's Dividend Payout is ranked higher than
92% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. PBHC: 0.14 )
PBHC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 3
Current: 0.14

0.09
3
Yield on cost (5-Year) 0.50
PBHC's Yield on cost (5-Year) is ranked lower than
89% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. PBHC: 0.50 )
PBHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.44   Max: 5.37
Current: 0.5

0.44
5.37
Share Buyback Rate -0.60
PBHC's Share Buyback Rate is ranked higher than
79% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBHC: -0.60 )
PBHC' s 10-Year Share Buyback Rate Range
Min: 14.4   Max: -0.7
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 2.34
PBHC's Price/DCF (Projected) is ranked higher than
73% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. PBHC: 2.34 )
PBHC' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 2.2
Current: 2.34

0.25
2.2
Price/Median PS Value 1.05
PBHC's Price/Median PS Value is ranked higher than
83% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBHC: 1.05 )
PBHC' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 8.19
Current: 1.05

0.49
8.19
Earnings Yield (Greenblatt) 8.20
PBHC's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PBHC: 8.20 )
PBHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 9.5
Current: 8.2

0.6
9.5
Forward Rate of Return (Yacktman) 6.53
PBHC's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. PBHC: 6.53 )
PBHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.5   Max: 32.4
Current: 6.53

4.5
32.4

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
Pathfinder Bancorp, Inc. Announces Results of Stock Offering and Closing Date of Conversion Oct 15 2014 
Pathfinder Bancorp, Inc. Announces Results of Shareholder and Depositor Votes and Oversubscription Oct 15 2014 
Pathfinder Bancorp, Inc. Declares Dividend Oct 15 2014 
comment on PBHC May 16 2013 
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) Aug 14 2009 

More From Other Websites
PATHFINDER BANCORP INC Files SEC form 8-K, Other Events Oct 16 2014
Pathfinder Bancorp, Inc. Announces Closing of Reorganization and Stock Offering Oct 16 2014
Pathfinder Bancorp, Inc. Announces Third Quarter and Year to Date Earnings Oct 15 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 15 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Other Events Oct 14 2014
Pathfinder Bancorp, Inc. Announces Results of Stock Offering and Closing Date of Conversion Oct 14 2014
Pathfinder Bancorp, Inc. Announces Results of Stock Offering and Closing Date of Conversion Oct 10 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Sep 30 2014
Pathfinder Bancorp, Inc. Announces Results of Shareholder and Depositor Votes and Oversubscription Sep 30 2014
Pathfinder Bancorp, Inc. Declares Dividend Sep 29 2014
PATHFINDER BANCORP INC Financials Aug 22 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Aug 18 2014
Pathfinder Bancorp, Inc. to Commence Stock Offering Aug 15 2014
PATHFINDER BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 13 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Other Events Jun 30 2014
Pathfinder Bancorp, Inc. Declares Dividend Jun 27 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Other Events Jun 11 2014
PATHFINDER BANCORP INC Files SEC form 10-Q, Quarterly Report May 14 2014
PATHFINDER BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 23 2014

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