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Pathfinder Bancorp (Pathfinder Bancorp) Cyclically Adjusted Revenue per Share : $8.62 (As of Dec. 2023)


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What is Pathfinder Bancorp Cyclically Adjusted Revenue per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Pathfinder Bancorp's adjusted revenue per share for the three months ended in Dec. 2023 was $2.187. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.62 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Pathfinder Bancorp's average Cyclically Adjusted Revenue Growth Rate was 7.50% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 11.80% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 10.60% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 8.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Pathfinder Bancorp was 11.80% per year. The lowest was 4.30% per year. And the median was 7.15% per year.

As of today (2024-04-27), Pathfinder Bancorp's current stock price is $12.6593. Pathfinder Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2023 was $8.62. Pathfinder Bancorp's Cyclically Adjusted PS Ratio of today is 1.47.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pathfinder Bancorp was 3.30. The lowest was 1.34. And the median was 2.46.


Pathfinder Bancorp Cyclically Adjusted Revenue per Share Historical Data

The historical data trend for Pathfinder Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* 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.

* Premium members only.

Pathfinder Bancorp Cyclically Adjusted Revenue per Share Chart

Pathfinder Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.76 6.17 7.09 8.02 8.62

Pathfinder Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.02 8.26 8.42 8.58 8.62

Competitive Comparison of Pathfinder Bancorp's Cyclically Adjusted Revenue per Share

For the Banks - Regional subindustry, Pathfinder Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pathfinder Bancorp's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's Cyclically Adjusted PS Ratio falls into.



Pathfinder Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Pathfinder Bancorp's adjusted Revenue per Share data for the three months ended in Dec. 2023 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=2.187/129.4194*129.4194
=2.187

Current CPI (Dec. 2023) = 129.4194.

Pathfinder Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201403 1.153 99.695 1.497
201406 1.185 100.560 1.525
201409 1.255 100.428 1.617
201412 1.370 99.070 1.790
201503 1.287 99.621 1.672
201506 1.345 100.684 1.729
201509 1.427 100.392 1.840
201512 1.414 99.792 1.834
201603 1.385 100.470 1.784
201606 1.422 101.688 1.810
201609 1.498 101.861 1.903
201612 1.539 101.863 1.955
201703 1.549 102.862 1.949
201706 1.585 103.349 1.985
201709 1.664 104.136 2.068
201712 1.475 104.011 1.835
201803 1.682 105.290 2.067
201806 1.684 106.317 2.050
201809 1.670 106.507 2.029
201812 1.698 105.998 2.073
201903 1.727 107.251 2.084
201906 1.732 108.070 2.074
201909 1.813 108.329 2.166
201912 1.939 108.420 2.315
202003 2.026 108.902 2.408
202006 1.931 108.767 2.298
202009 2.084 109.815 2.456
202012 2.073 109.897 2.441
202103 2.251 111.754 2.607
202106 2.566 114.631 2.897
202109 2.475 115.734 2.768
202112 2.421 117.630 2.664
202203 2.396 121.301 2.556
202206 2.422 125.017 2.507
202209 2.566 125.227 2.652
202212 2.849 125.222 2.945
202303 2.452 127.348 2.492
202306 2.271 128.729 2.283
202309 2.351 129.860 2.343
202312 2.187 129.419 2.187

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.


Pathfinder Bancorp  (NAS:PBHC) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Pathfinder Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=12.6593/8.62
=1.47

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Pathfinder Bancorp was 3.30. The lowest was 1.34. And the median was 2.46.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Pathfinder Bancorp Cyclically Adjusted Revenue per Share Related Terms

Thank you for viewing the detailed overview of Pathfinder Bancorp's Cyclically Adjusted Revenue per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Pathfinder Bancorp (Pathfinder Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
214 West First Street, Oswego, NY, USA, 13126
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