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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 0.48
PBHC's Cash to Debt is ranked higher than
61% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. PBHC: 0.48 )
PBHC' s 10-Year Cash to Debt Range
Min: 0.07   Max: N/A
Current: 0.48

Equity to Asset 0.12
PBHC's Equity to Asset is ranked higher than
82% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBHC: 0.12 )
PBHC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.12

0.06
0.12
Interest Coverage 1.51
PBHC's Interest Coverage is ranked higher than
71% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. PBHC: 1.51 )
PBHC' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.51
Current: 1.51

0.06
1.51
F-Score: 7
Z-Score: 0.20
WACC vs ROIC
4.56%
3.34%
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 (%) 18.83
PBHC's Operating margin (%) is ranked higher than
59% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. PBHC: 18.83 )
PBHC' s 10-Year Operating margin (%) Range
Min: -271.35   Max: 22.09
Current: 18.83

-271.35
22.09
Net-margin (%) 13.04
PBHC's Net-margin (%) is ranked higher than
58% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. PBHC: 13.04 )
PBHC' s 10-Year Net-margin (%) Range
Min: 3.28   Max: 113.46
Current: 13.04

3.28
113.46
ROE (%) 5.14
PBHC's ROE (%) is ranked higher than
60% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. PBHC: 5.14 )
PBHC' s 10-Year ROE (%) Range
Min: 1.73   Max: 8.37
Current: 5.14

1.73
8.37
ROA (%) 0.50
PBHC's ROA (%) is ranked higher than
61% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PBHC: 0.50 )
PBHC' s 10-Year ROA (%) Range
Min: 0.11   Max: 0.96
Current: 0.5

0.11
0.96
ROC (Joel Greenblatt) (%) 15.40
PBHC's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. PBHC: 15.40 )
PBHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -196.03   Max: 44.98
Current: 15.4

-196.03
44.98
Revenue Growth (3Y)(%) 5.90
PBHC's Revenue Growth (3Y)(%) is ranked higher than
83% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. PBHC: 5.90 )
PBHC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.4   Max: 107
Current: 5.9

-3.4
107
EBITDA Growth (3Y)(%) 4.80
PBHC's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. PBHC: 4.80 )
PBHC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -14.3   Max: 50.6
Current: 4.8

-14.3
50.6
EPS Growth (3Y)(%) 25.30
PBHC's EPS Growth (3Y)(%) is ranked higher than
89% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. PBHC: 25.30 )
PBHC' s 10-Year EPS Growth (3Y)(%) Range
Min: -41.5   Max: 72.4
Current: 25.3

-41.5
72.4
» 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) 17.60
PBHC's P/E(ttm) is ranked higher than
72% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. PBHC: 17.60 )
PBHC' s 10-Year P/E(ttm) Range
Min: 7.74   Max: 99.43
Current: 17.6

7.74
99.43
Forward P/E 10.92
PBHC's Forward P/E is ranked higher than
88% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 10.92 )
N/A
PE(NRI) 17.70
PBHC's PE(NRI) is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. PBHC: 17.70 )
PBHC' s 10-Year PE(NRI) Range
Min: 7.68   Max: 115.34
Current: 17.7

7.68
115.34
P/B 0.86
PBHC's P/B is ranked higher than
87% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. PBHC: 0.86 )
PBHC' s 10-Year P/B Range
Min: 0.57   Max: 2.09
Current: 0.86

0.57
2.09
P/S 2.19
PBHC's P/S is ranked higher than
83% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. PBHC: 2.19 )
PBHC' s 10-Year P/S Range
Min: 0.89   Max: 14.03
Current: 2.19

0.89
14.03
PFCF 15.29
PBHC's PFCF is ranked higher than
79% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 15.29 )
PBHC' s 10-Year PFCF Range
Min: 2.3   Max: 254.23
Current: 15.29

2.3
254.23
POCF 8.72
PBHC's POCF is ranked higher than
86% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. PBHC: 8.72 )
PBHC' s 10-Year POCF Range
Min: 2.08   Max: 51.07
Current: 8.72

2.08
51.07
EV-to-EBIT 21.65
PBHC's EV-to-EBIT is ranked higher than
65% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. PBHC: 21.65 )
PBHC' s 10-Year EV-to-EBIT Range
Min: 12.3   Max: 396.8
Current: 21.65

12.3
396.8
PEG 3.93
PBHC's PEG is ranked higher than
86% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 3.93 )
PBHC' s 10-Year PEG Range
Min: 0.38   Max: 44.53
Current: 3.93

0.38
44.53
Shiller P/E 22.24
PBHC's Shiller P/E is ranked higher than
80% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 22.24 )
PBHC' s 10-Year Shiller P/E Range
Min: 10.68   Max: 38.73
Current: 22.24

10.68
38.73
Days Sales Outstanding 35.26
PBHC's Days Sales Outstanding is ranked higher than
88% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 35.26 )
PBHC' s 10-Year Days Sales Outstanding Range
Min: 32.38   Max: 331.12
Current: 35.26

32.38
331.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.86
PBHC's Dividend Yield is ranked lower than
86% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. PBHC: 0.86 )
PBHC' s 10-Year Dividend Yield Range
Min: 0.71   Max: 8.6
Current: 0.86

0.71
8.6
Dividend Payout 0.13
PBHC's Dividend Payout is ranked higher than
95% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. PBHC: 0.13 )
PBHC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 3
Current: 0.13

0.09
3
Yield on cost (5-Year) 0.64
PBHC's Yield on cost (5-Year) is ranked lower than
88% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. PBHC: 0.64 )
PBHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.46   Max: 6.15
Current: 0.64

0.46
6.15
Share Buyback Rate -0.20
PBHC's Share Buyback Rate is ranked higher than
83% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. PBHC: -0.20 )
PBHC' s 10-Year Share Buyback Rate Range
Min: 14.4   Max: -0.7
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.94
PBHC's Price/Tangible Book is ranked higher than
86% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. PBHC: 0.94 )
PBHC' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 5.17
Current: 0.94

0.71
5.17
Price/DCF (Projected) 0.58
PBHC's Price/DCF (Projected) is ranked lower than
57% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBHC: 0.58 )
PBHC' s 10-Year Price/DCF (Projected) Range
Min: 0.23   Max: 1.56
Current: 0.58

0.23
1.56
Price/Median PS Value 1.14
PBHC's Price/Median PS Value is ranked lower than
65% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBHC: 1.14 )
PBHC' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 8.19
Current: 1.14

0.49
8.19
Price/Graham Number 0.76
PBHC's Price/Graham Number is ranked lower than
56% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PBHC: 0.76 )
PBHC' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 4.22
Current: 0.76

0.41
4.22
Earnings Yield (Greenblatt) 4.60
PBHC's Earnings Yield (Greenblatt) is ranked higher than
56% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBHC: 4.60 )
PBHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 8.1
Current: 4.6

0.3
8.1
Forward Rate of Return (Yacktman) 7.52
PBHC's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. PBHC: 7.52 )
PBHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.7   Max: 51.5
Current: 7.52

-12.7
51.5

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. Declares Dividend Dec 23 2014 
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 

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PATHFINDER BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 15 2014
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