NAS:PBHC (USA)

Pathfinder Bancorp Inc

$ 13.85 -0.2 (-1.42%)
Volume: 425 Avg Vol (1m): 2,671
Market Cap $: 65.01 Mil Enterprise Value $: -22,310,000.00
P/E (TTM): 16.69 P/B: 0.92
Earnings Power Value 14.07
Net Current Asset Value 0
Tangible Book 14.27
Projected FCF 20.38
Median P/S Value 13.28
Graham Number 16.33
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3/10

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.
Current vs industry vs history
Cash-to-Debt 0.27
Cash-To-Debt range over the past 10 years
Min: 0.07, Med: 0.28, Max: 1.03
Current: 0.27
0.07
1.03
Equity-to-Asset 0.07
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
Debt-to-Equity 1.40
Debt-to-Equity range over the past 10 years
Min: 0.38, Med: 1.51, Max: 3.03
Current: 1.4
0.38
3.03
Debt-to-EBITDA 3.09
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 3.09
Current: 3.09
0
3.09
Beneish M-Score -2.52
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 3.91%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 11.82
Net Margin range over the past 10 years
Min: 11.01, Med: 13.24, Max: 15.32
Current: 11.82
11.01
15.32
ROE % 5.56
ROE range over the past 10 years
Min: 3.86, Med: 5.69, Max: 6.83
Current: 5.56
3.86
6.83
ROA % 0.38
ROA range over the past 10 years
Min: 0.38, Med: 0.49, Max: 0.64
Current: 0.38
0.38
0.64
3-Year Total Revenue Growth Rate 8.90
3-Year Revenue Growth Rate range over the past 10 years
Min: -3.4, Med: 8.2, Max: 106.7
Current: 8.2
-3.4
106.7
3-Year EPS w/o NRI Growth Rate 12.50
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -40.4, Med: 8.8, Max: 68.5
Current: 12.5
-40.4
68.5

» PBHC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-26)

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Business Description

Industry Banks » Banks    NAICS : 522120    SIC : 6036
Compare NAS:KFFB NAS:ANCB NAS:IROQ NAS:HFBL OTCPK:GRRB OTCPK:WAYN NAS:MSBF OTCPK:UBNC NAS:PBBI NAS:PBSK NAS:LSBK OTCPK:BHWB OTCPK:NIDB OTCPK:SFDL OTCPK:CCFH NAS:BYFC OTCPK:RYFL OTCPK:EQFN ASX:BBC AMEX:BKJ
Traded in other countries
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 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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 16.69
PE Ratio range over the past 10 years
Min: 8.05, Med: 16.44, Max: 100.49
Current: 16.69
8.05
100.49
PE Ratio without NRI 16.69
PE without NRI range over the past 10 years
Min: 8.05, Med: 16.44, Max: 100.49
Current: 16.69
8.05
100.49
Price-to-Owner-Earnings 71.76
Price-to-Owner-Earnings range over the past 10 years
Min: 8.06, Med: 20.06, Max: 231.14
Current: 71.76
8.06
231.14
PB Ratio 0.92
PB Ratio range over the past 10 years
Min: 0.57, Med: 0.96, Max: 1.54
Current: 0.92
0.57
1.54
PS Ratio 1.97
PS Ratio range over the past 10 years
Min: 0.79, Med: 1.9, Max: 2.58
Current: 1.97
0.79
2.58
Price-to-Operating-Cash-Flow 9.94
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 2.99, Med: 8.07, Max: 1210
Current: 9.94
2.99
1210
EV-to-Revenue -0.76
EV-to-Revenue range over the past 10 years
Min: -1.6, Med: 3.6, Max: 6.9
Current: -0.76
-1.6
6.9
Shiller PE Ratio 21.38
Shiller PE Ratio range over the past 10 years
Min: 10.29, Med: 22.78, Max: 30.37
Current: 21.38
10.29
30.37

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.73
Trailing Dividend Yield range over the past 10 years
Min: 0.71, Med: 1.34, Max: 8.61
Current: 1.73
0.71
8.61
Dividend Payout Ratio 0.29
Dividend Payout Ratio range over the past 10 years
Min: 0.12, Med: 0.21, Max: 0.32
Current: 0.29
0.12
0.32
3-Year Dividend Growth Rate (Per Share) 7.80
3-Year Dividend Growth Rate range over the past 10 years
Min: -33.6, Med: 8.45, Max: 91.3
Current: 7.8
-33.6
91.3
Forward Dividend Yield % 1.71
N/A
Yield-on-Cost (5-Year) % 6.08
Yield-on-Cost (5y) range over the past 10 years
Min: 2.5, Med: 4.71, Max: 30.28
Current: 6.08
2.5
30.28
3-Year Share Buyback Rate -0.10
3-Year Share Buyback Rate range over the past 10 years
Min: -1.8, Med: -0.05, Max: 15.5
Current: -0.1
-1.8
15.5

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 0.97
Price-to-Tangible-Book range over the past 10 years
Min: 0.71, Med: 1.3, Max: 4.31
Current: 0.97
0.71
4.31
Price-to-Projected-FCF 0.68
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.25, Med: 0.63, Max: 1.43
Current: 0.68
0.25
1.43
Price-to-Median-PS-Value 1.04
Price-to-Median-PS-Value range over the past 10 years
Min: 0.43, Med: 1.21, Max: 8.3
Current: 1.04
0.43
8.3
Price-to-Graham-Number 0.85
Price-to-Graham-Number range over the past 10 years
Min: 0.51, Med: 1.04, Max: 5.86
Current: 0.85
0.51
5.86

More Statistics

Revenue (TTM) (Mil) $ 29.95
EPS (TTM) $ 0.83
Beta -0.61
Volatility % 28.16
52-Week Range $ 12.86 - 16.25
Shares Outstanding (Mil) 4.69

Analyst Estimate

Piotroski F-Score Details