Pathfinder Bancorp (Pathfinder Bancorp) Scaled Net Operating Assets : 0.02 (As of Dec. 2023)

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What is Pathfinder Bancorp Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pathfinder Bancorp's operating assets for the quarter that ended in Dec. 2023 was $1,158.35 Mil. Pathfinder Bancorp's operating liabilities for the quarter that ended in Dec. 2023 was $1,133.94 Mil. Pathfinder Bancorp's Total Assets for the quarter that ended in Sep. 2023 was $1,400.65 Mil. Therefore, Pathfinder Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2023 was 0.02.

Pathfinder Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pathfinder Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(1417.066	-	1133.937)	/	1399.921
=	0.20

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1465.798	-	48.732
=	1417.066

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1345.542	-	85.925	-	125.68
=	1133.937

Pathfinder Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Dec. 2023 )
=	(Operating Assets (Q: Dec. 2023 )	-	Operating Liabilities (Q: Dec. 2023 ))	/	Total Assets (Q: Sep. 2023 )
=	(1158.35	-	1133.937)	/	1400.649
=	0.02

where

	Operating Assets		(Q: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1465.798	-	307.448
=	1158.35

	Operating Liabilities		(Q: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1345.542	-	85.925	-	125.68
=	1133.937

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Pathfinder Bancorp (Pathfinder Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pathfinder Bancorp Inc (NAS:PBHC) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

N/A

Address

214 West First Street, Oswego, NY, USA, 13126

Website

https://www.pathfinderbank.com

Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt 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 principal source of income is interest on loans and investment securities.

Executives

Walter Rusnak	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
George P Joyce	director	214 WEST FIRST STREET, OSWEGO NY 13126
Calvin Corriders	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd	officer: SVP and CFO	214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin	director	214 WEST FIRST STREET, OSWEGO NY 13126
Eric Allyn	director	214 WEST FIRST STREET, OSWEGO NY 13126
Adam C. Gagas	director	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald Tascarella	officer: SVP and CCO
Rebecca Braheney	officer: Controller, VP	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald G. Tascarella	officer: 1st Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
John Funiciello	director	214 WEST FIRST STREET, OSWEGO NY 13126
Thomas W Schneider	director, officer: President and CEO	214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips	officer: SVP	214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr.	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
Sharkey John F. Iii	director	214 WEST FIRST STREET, OSWEGO NY 13126