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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 0.54
NAS:PBHC's Cash-to-Debt is ranked lower than
74% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NAS:PBHC: 0.54 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:PBHC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: N/A
Current: 0.54
Equity-to-Asset 0.07
NAS:PBHC's Equity-to-Asset is ranked lower than
79% of the 1628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:PBHC: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:PBHC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.07
0.06
0.12
Interest Coverage 1.06
NAS:PBHC's Interest Coverage is ranked lower than
63% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. NAS:PBHC: 1.06 )
Ranked among companies with meaningful Interest Coverage only.
NAS:PBHC' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.85 Max: 1.51
Current: 1.06
0.06
1.51
Beneish M-Score: -2.39
WACC vs ROIC
3.20%
3.20%
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 : 6/10

vs
industry
vs
history
Operating Margin % 18.15
NAS:PBHC's Operating Margin % is ranked lower than
79% of the 1666 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NAS:PBHC: 18.15 )
Ranked among companies with meaningful Operating Margin % only.
NAS:PBHC' s Operating Margin % Range Over the Past 10 Years
Min: 4.2  Med: 18.1 Max: 21.48
Current: 18.15
4.2
21.48
Net Margin % 13.59
NAS:PBHC's Net Margin % is ranked lower than
78% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.77 vs. NAS:PBHC: 13.59 )
Ranked among companies with meaningful Net Margin % only.
NAS:PBHC' s Net Margin % Range Over the Past 10 Years
Min: 3.28  Med: 12.91 Max: 15.32
Current: 13.59
3.28
15.32
ROE % 5.79
NAS:PBHC's ROE % is ranked lower than
71% of the 1667 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.51 vs. NAS:PBHC: 5.79 )
Ranked among companies with meaningful ROE % only.
NAS:PBHC' s ROE % Range Over the Past 10 Years
Min: 1.79  Med: 5.17 Max: 6.83
Current: 5.79
1.79
6.83
ROA % 0.47
NAS:PBHC's ROA % is ranked lower than
76% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NAS:PBHC: 0.47 )
Ranked among companies with meaningful ROA % only.
NAS:PBHC' s ROA % Range Over the Past 10 Years
Min: 0.11  Med: 0.49 Max: 0.64
Current: 0.47
0.11
0.64
3-Year Revenue Growth Rate 8.60
NAS:PBHC's 3-Year Revenue Growth Rate is ranked higher than
71% of the 1400 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. NAS:PBHC: 8.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:PBHC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.4  Med: 7.75 Max: 106.7
Current: 8.6
-3.4
106.7
3-Year EBITDA Growth Rate 10.90
NAS:PBHC's 3-Year EBITDA Growth Rate is ranked higher than
63% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NAS:PBHC: 10.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:PBHC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -14.7  Med: 5.1 Max: 51.1
Current: 10.9
-14.7
51.1
3-Year EPS without NRI Growth Rate 10.40
NAS:PBHC's 3-Year EPS without NRI Growth Rate is ranked higher than
60% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NAS:PBHC: 10.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:PBHC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.4  Med: 7.85 Max: 68.5
Current: 10.4
-40.4
68.5
GuruFocus has detected 6 Warning Signs with Pathfinder Bancorp Inc $NAS:PBHC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:PBHC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:OTCPK:GRRB, NAS:ANCB, NAS:PBSK, NAS:JXSB, NAS:IROQ, NAS:BYFC, NAS:HMNF, OTCPK:BHWB, NAS:UCBA, NAS:KFFB, NAS:PBBI, OTCPK:LTLB, NAS:HFBL, NAS:GTWN, NAS:WAYN, OTCPK:SFDL, OTCPK:FIRT, OTCPK:WEFP, NAS:LSBK, NAS:EQFN » details
Headquarter Location:USA
Pathfinder Bancorp Inc is a stock holding company. It is engaged in the attracting deposits and investing deposits in loans secured by one-to-four family residential real estate, commercial real estate, business assets and investment securities.

Pathfinder Bancorp Inc was incorporated on March 4, 1859, 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 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 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 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.

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Ratios

vs
industry
vs
history
PE Ratio 19.42
PBHC's PE Ratio is ranked lower than
70% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. PBHC: 19.42 )
Ranked among companies with meaningful PE Ratio only.
PBHC' s PE Ratio Range Over the Past 10 Years
Min: 8.05  Med: 16.67 Max: 94.59
Current: 19.42
8.05
94.59
PE Ratio without NRI 19.42
PBHC's PE Ratio without NRI is ranked lower than
70% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. PBHC: 19.42 )
Ranked among companies with meaningful PE Ratio without NRI only.
PBHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.05  Med: 16.66 Max: 96.17
Current: 19.42
8.05
96.17
Price-to-Owner-Earnings 28.89
PBHC's Price-to-Owner-Earnings is ranked lower than
87% of the 906 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.97 vs. PBHC: 28.89 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PBHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.15  Med: 19.51 Max: 274.86
Current: 28.89
8.15
274.86
PB Ratio 1.15
PBHC's PB Ratio is ranked higher than
56% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. PBHC: 1.15 )
Ranked among companies with meaningful PB Ratio only.
PBHC' s PB Ratio Range Over the Past 10 Years
Min: 0.57  Med: 0.97 Max: 1.83
Current: 1.15
0.57
1.83
PS Ratio 2.65
PBHC's PS Ratio is ranked higher than
66% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.37 vs. PBHC: 2.65 )
Ranked among companies with meaningful PS Ratio only.
PBHC' s PS Ratio Range Over the Past 10 Years
Min: 0.89  Med: 1.96 Max: 3.58
Current: 2.65
0.89
3.58
Price-to-Free-Cash-Flow 14.63
PBHC's Price-to-Free-Cash-Flow is ranked lower than
61% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. PBHC: 14.63 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PBHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.98  Med: 12.6 Max: 274.86
Current: 14.63
2.98
274.86
Price-to-Operating-Cash-Flow 10.41
PBHC's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 959 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.18 vs. PBHC: 10.41 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PBHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.83  Med: 8.17 Max: 1210
Current: 10.41
2.83
1210
EV-to-EBIT 21.92
PBHC's EV-to-EBIT is ranked lower than
75% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. PBHC: 21.92 )
Ranked among companies with meaningful EV-to-EBIT only.
PBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.3  Med: 22.5 Max: 171
Current: 21.92
12.3
171
EV-to-EBITDA 17.76
PBHC's EV-to-EBITDA is ranked lower than
71% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.93 vs. PBHC: 17.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.3  Med: 18.45 Max: 55.4
Current: 17.76
10.3
55.4
PEG Ratio 3.26
PBHC's PEG Ratio is ranked lower than
77% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.41 vs. PBHC: 3.26 )
Ranked among companies with meaningful PEG Ratio only.
PBHC' s PEG Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.15 Max: 32.12
Current: 3.26
0.47
32.12
Shiller PE Ratio 30.67
PBHC's Shiller PE Ratio is ranked lower than
76% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.16 vs. PBHC: 30.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
PBHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.29  Med: 21.44 Max: 30.67
Current: 30.67
10.29
30.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.25
PBHC's Dividend Yield % is ranked lower than
81% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. PBHC: 1.25 )
Ranked among companies with meaningful Dividend Yield % only.
PBHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.71  Med: 1.37 Max: 8.61
Current: 1.25
0.71
8.61
Dividend Payout Ratio 0.24
PBHC's Dividend Payout Ratio is ranked higher than
67% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. PBHC: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PBHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.21 Max: 2.74
Current: 0.24
0.12
2.74
3-Year Dividend Growth Rate 27.10
PBHC's 3-Year Dividend Growth Rate is ranked higher than
86% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PBHC: 27.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PBHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -33.6  Med: 5 Max: 91.3
Current: 27.1
-33.6
91.3
Forward Dividend Yield % 1.29
PBHC's Forward Dividend Yield % is ranked lower than
85% of the 2234 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. PBHC: 1.29 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.15
PBHC's 5-Year Yield-on-Cost % is ranked lower than
53% of the 2672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. PBHC: 3.15 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PBHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.79  Med: 3.45 Max: 21.69
Current: 3.15
1.79
21.69
3-Year Average Share Buyback Ratio 0.60
PBHC's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. PBHC: 0.60 )
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: -1.8  Med: -0.1 Max: 15.5
Current: 0.6
-1.8
15.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.24
PBHC's Price-to-Tangible-Book is ranked higher than
55% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PBHC: 1.24 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PBHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.71  Med: 1.39 Max: 3.45
Current: 1.24
0.71
3.45
Price-to-Intrinsic-Value-Projected-FCF 0.78
PBHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. PBHC: 0.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PBHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.59 Max: 1.43
Current: 0.78
0.25
1.43
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.91
PBHC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
52% of the 145 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. PBHC: 0.91 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.35
PBHC's Price-to-Median-PS-Value is ranked lower than
68% of the 1561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. PBHC: 1.35 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PBHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.15 Max: 8.05
Current: 1.35
0.48
8.05
Price-to-Peter-Lynch-Fair-Value 3.11
PBHC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
90% of the 464 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. PBHC: 3.11 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PBHC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.68 Max: 9.47
Current: 3.11
0.47
9.47
Price-to-Graham-Number 1.03
PBHC's Price-to-Graham-Number is ranked lower than
55% of the 1460 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. PBHC: 1.03 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PBHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 1.14 Max: 3.37
Current: 1.03
0.51
3.37
Earnings Yield (Greenblatt) % 4.57
PBHC's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.85 vs. PBHC: 4.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PBHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 4.4 Max: 8.1
Current: 4.57
0.6
8.1
Forward Rate of Return (Yacktman) % 11.10
PBHC's Forward Rate of Return (Yacktman) % is ranked higher than
50% of the 955 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.14 vs. PBHC: 11.10 )
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: -6.3  Med: 16.4 Max: 39.4
Current: 11.1
-6.3
39.4

More Statistics

Revenue (TTM) (Mil) $25.09
EPS (TTM) $ 0.82
Beta-0.01
Short Percentage of Float0.06%
52-Week Range $11.12 - 16.00
Shares Outstanding (Mil)4.26
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More From Other Websites
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
Pathfinder Bancorp, Inc. First Quarter Net Income Up 24% in Comparison to 2016 Apr 28 2017
Pathfinder Bancorp, Inc. : PBHC-US: Dividend Analysis : April 14th, 2017 (record date) : By the... Apr 17 2017
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q4, 2016 By the Numbers : April 4, 2017 Apr 04 2017
Pathfinder Bancorp, Inc. Declares Dividend Mar 30 2017
Pathfinder Bancorp, Inc. : PBHC-US: Dividend Analysis : January 13th, 2017 (record date) : By the... Mar 03 2017
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: 2016 By the Numbers : February 2, 2017 Feb 02 2017
Pathfinder Bancorp, Inc. Fourth Quarter 2016 Net Income Increases 28.4% to $959,000 Jan 31 2017
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 1, 2016 Nov 01 2016
Pathfinder Bancorp, Inc. Announces Third Quarter 2016 Net Income of $820,000 Oct 28 2016
Pathfinder Bancorp, Inc. : PBHC-US: Dividend Analysis : October 14th, 2016 (record date) : By the... Oct 25 2016
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Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Pathfinder Bancorp Second Quarter 2016 Net Income up 26% to $832,000 Jul 29 2016
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Pathfinder Bancorp, Inc. Reports 30% Increase in First Quarter Net Income Apr 29 2016
Pathfinder Bancorp, Inc. Announces Stock Repurchase Program Apr 29 2016

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