PBHC (Pathfinder Bancorp) FCF Margin % : 38.44% (As of Sep. 2024)

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What is Pathfinder Bancorp FCF Margin %?

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Pathfinder Bancorp's Free Cash Flow for the three months ended in Sep. 2024 was $5.06 Mil. Pathfinder Bancorp's Revenue for the three months ended in Sep. 2024 was $13.17 Mil. Therefore, Pathfinder Bancorp's FCF Margin % for the quarter that ended in Sep. 2024 was 38.44%.

As of today, Pathfinder Bancorp's current FCF Yield % is 12.92%.

The historical rank and industry rank for Pathfinder Bancorp's FCF Margin % or its related term are showing as below:

PBHC' s FCF Margin % Range Over the Past 10 Years
Min: 11.45 Med: 19.5 Max: 121.17
Current: 31.53

During the past 13 years, the highest FCF Margin % of Pathfinder Bancorp was 121.17%. The lowest was 11.45%. And the median was 19.50%.

PBHC's FCF Margin % is ranked better than
55.82% of 1503 companies
in the Banks industry
Industry Median: 27.57 vs PBHC: 31.53

Pathfinder Bancorp FCF Margin % Historical Data

The historical data trend for Pathfinder Bancorp's FCF Margin % 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.

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Pathfinder Bancorp FCF Margin % Chart

Pathfinder Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

FCF Margin %

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13.99

121.17

43.54

35.41

31.26

Pathfinder Bancorp Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
FCF Margin %	Get a 7-Day Free Trial															37.27	79.26	2.52	6.09	38.44

Competitive Comparison of Pathfinder Bancorp's FCF Margin %

For the Banks - Regional subindustry, Pathfinder Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's FCF Margin % falls into.

Pathfinder Bancorp FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Pathfinder Bancorp's FCF Margin for the fiscal year that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	13.466	/	43.076
	=	31.26 %

Pathfinder Bancorp's FCF Margin for the quarter that ended in Sep. 2024 is calculated as

FCF Margin	=	Free Cash Flow (Q: Sep. 2024 )	/	Revenue (Q: Sep. 2024 )
	=	5.061	/	13.167
	=	38.44 %

Pathfinder Bancorp FCF Margin % Related Terms

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Pathfinder Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pathfinder Bancorp Inc (NAS:PBHC) » Definitions » FCF Margin %

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

Eric Allyn	director	214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips	officer: SVP	214 WEST FIRST STREET, OSWEGO NY 13126
David A. Ayoub	director	214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd	officer: SVP and CFO	214 WEST FIRST STREET, OSWEGO NY 13126
Walter Rusnak	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin	director	214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr.	officer: First Vice President	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
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