Pathfinder Bancorp, Inc. - Understand $pbhc stock

$PBHC Market Cap: $107.8 Million

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Financial Snapshot

Revenue

$58.83M

TTM

Gross Margin

Net Earnings

$1.396M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.483B

Q3 2024

Total Liabilities

$1.362B

Q3 2024

Book Value

$121.1M

Q3 2024

Cash

$35.32M

Q3 2024

P/E

77.21

Nov 13, 2024 EST

Free Cash Flow

$9.047M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$67.66M	$51.10M	$45.83M	$42.51M	$41.76M	$34.81M	$29.41M	$24.09M
YoY Change	32.42%	11.5%	7.81%	1.79%	19.96%	18.35%	22.08%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$67.66M	$51.10M	$45.83M	$42.51M	$41.76M	$34.81M	$29.41M	$24.09M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.400M	$1.100M	$1.800M	$1.700M	$1.520M	$1.180M	$1.035M	$1.019M	$1.030M	$840.0K	$730.0K	$790.0K	$750.0K	$670.0K	$690.0K	$730.0K	$960.0K	$1.070M	$1.050M	$970.0K	$890.0K	$590.0K	$790.0K	$800.0K	$750.0K	$550.0K	$560.0K	$570.0K
YoY Change	27.27%	-38.89%	5.88%	11.84%	28.81%	14.01%	1.57%	-1.07%	22.62%	15.07%	-7.59%	5.33%	11.94%	-2.9%	-5.48%	-23.96%	-10.28%	1.9%	8.25%	8.99%	50.85%	-25.32%	-1.25%	6.67%	36.36%	-1.79%	-1.75%	-12.31%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Interest Expense	$28.74M	$9.695M	$7.532M	$10.86M	$13.53M	$9.044M	$6.290M	$3.804M
YoY Change	196.48%	28.72%	-30.67%	-19.69%	49.58%	43.78%	65.35%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$11.78M	$15.69M	$16.01M	$8.341M	$5.451M	$4.555M	$4.345M	$4.409M	$4.000M	$3.950M	$3.250M	$3.580M	$3.370M	$3.510M	$2.670M	$470.0K	$1.510M	$1.270M	$410.0K	$2.050M	$2.250M	$1.540M	$2.150M	$550.0K	$1.350M	$1.700M	$2.620M	$1.780M
YoY Change	-24.89%	-2.0%	91.93%	53.02%	19.67%	4.83%	-1.45%	10.23%	1.27%	21.54%	-9.22%	6.23%	-3.99%	31.46%	468.09%	-68.87%	18.9%	209.76%	-80.0%	-8.89%	46.1%	-28.37%	290.91%	-59.26%	-20.59%	-35.11%	47.19%	31.85%
Income Tax	$2.362M	$2.656M	$3.499M	$1.295M	$1.165M	$546.0K	$922.0K	$1.111M	$1.070M	$1.150M	$850.0K	$930.0K	$1.040M	$1.010M	$1.050M	$100.0K	$380.0K	$240.0K	-$50.00K	$500.0K	$600.0K	$390.0K	$540.0K	$200.0K	$420.0K	$500.0K	$760.0K	$510.0K
% Of Pretax Income	20.04%	16.93%	21.86%	15.53%	21.37%	11.99%	21.22%	25.2%	26.75%	29.11%	26.15%	25.98%	30.86%	28.77%	39.33%	21.28%	25.17%	18.9%	-12.2%	24.39%	26.67%	25.32%	25.12%	36.36%	31.11%	29.41%	29.01%	28.65%
Net Earnings	$9.293M	$12.93M	$12.41M	$6.950M	$4.276M	$4.031M	$3.491M	$3.272M	$2.890M	$2.750M	$2.410M	$2.650M	$2.320M	$2.510M	$1.620M	$370.0K	$1.120M	$1.030M	$460.0K	$1.540M	$1.650M	$1.160M	$1.600M	$350.0K	$930.0K	$1.210M	$1.860M	$1.270M
YoY Change	-28.14%	4.23%	78.52%	62.54%	6.08%	15.47%	6.69%	13.22%	5.09%	14.11%	-9.06%	14.22%	-7.57%	54.94%	337.84%	-66.96%	8.74%	123.91%	-70.13%	-6.67%	42.24%	-27.5%	357.14%	-62.37%	-23.14%	-34.95%	46.46%	28.28%
Net Earnings / Revenue	13.73%	25.31%	27.07%	16.35%	10.24%	11.58%	11.87%	13.58%
Basic Earnings Per Share				$1.17	$0.80	$0.97	$0.86	$0.79
Diluted Earnings Per Share	$1.16	$1.72	$2.377M	$1.17	$0.80	$0.94	$0.83	$0.78	$689.7K	$661.1K	$956.3K	$638.6K	$555.0K	$612.2K	$396.1K	$90.46K	$273.2K	$251.8K	$113.6K	$377.5K	$405.4K	$268.5K	$373.8K	$82.94K	$209.5K	$256.4K	$402.6K	$275.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$24.04M	$24.18M	$23.80M	$24.50M	$25.10M	$20.60M	$16.10M	$15.20M	$14.80M	$13.20M	$11.60M	$10.10M	$10.70M	$9.400M	$7.200M	$7.500M	$7.800M	$7.600M	$8.000M	$7.600M	$6.700M	$5.600M	$4.900M	$4.600M	$4.900M	$4.500M	$3.700M	$3.400M
YoY Change	-0.59%	1.61%	-2.86%	-2.39%	21.84%	27.95%	5.92%	2.7%	12.12%	13.79%	14.85%	-5.61%	13.83%	30.56%	-4.0%	-3.85%	2.63%	-5.0%	5.26%	13.43%	19.64%	14.29%	6.52%	-6.12%	8.89%	21.62%	8.82%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$3.206M	$1.862M	$700.0K	$1.900M	$500.0K	$500.0K
YoY Change	72.18%	166.0%	-63.16%	280.0%	0.0%
Other Assets	$3.042M	$3.042M
YoY Change	0.0%
Total Long-Term Assets
YoY Change
Total Assets	$1.466B	$1.400B	$1.285B	$1.227B	$1.094B	$933.1M	$881.3M	$749.0M	$623.3M	$561.0M	$503.8M	$477.8M	$443.0M	$408.5M	$371.7M	$352.8M	$320.7M	$301.4M	$296.9M	$302.0M	$277.9M	$279.1M	$244.5M	$232.4M	$216.3M	$203.3M	$196.8M	$189.9M
YoY Change
Accounts Payable	$2.245M	$975.0K	$100.0K	$200.0K	$400.0K	$300.0K	$200.0K	$100.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K
YoY Change	130.26%	875.0%	-50.0%	-50.0%	33.33%	50.0%	100.0%	-50.0%	100.0%	0.0%	0.0%	0.0%	0.0%
Accrued Expenses	$1.711M	$2.417M	$2.400M	$2.500M	$2.700M
YoY Change	-29.21%	0.71%	-4.0%	-7.41%
Deferred Revenue
YoY Change
Short-Term Debt												$5.000M	$5.000M	$5.000M					$3.400M	$3.400M	$3.400M
YoY Change												0.0%	0.0%						0.0%	0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$3.956M	$3.392M	$2.500M	$2.700M	$3.100M	$300.0K	$200.0K	$100.0K	$200.0K	$100.0K	$100.0K	$100.0K	$100.0K	$100.0K					$3.400M	$3.400M	$3.400M
YoY Change	16.63%	35.68%	-7.41%	-12.9%	933.33%	50.0%	100.0%	-50.0%	100.0%	0.0%	0.0%	0.0%	0.0%						0.0%	0.0%
Long-Term Debt	$34.30M	$34.16M	$29.60M	$39.40M	$15.10M	$15.10M	$15.10M	$15.00M	$15.00M	$5.200M	$6.000M	$6.100M	$6.200M	$5.200M	$41.20M	$39.60M	$25.20M	$31.50M	$5.200M	$5.200M	$5.000M	$47.20M	$49.40M	$47.20M	$42.90M	$18.70M	$18.20M	$7.600M
YoY Change	0.41%	15.39%	-24.87%	160.93%	0.0%	0.0%	0.67%	0.0%	188.46%	-13.33%	-1.64%	-1.61%	19.23%	-87.38%	4.04%	57.14%	-20.0%	505.77%	0.0%	4.0%	-89.41%	-4.45%	4.66%	10.02%	129.41%	2.75%	139.47%
Other Long-Term Liabilities	$11.63M	$9.365M	$10.00M	$9.600M	$9.900M	$7.700M	$6.400M	$5.600M	$5.200M	$4.300M	$4.500M	$5.000M	$7.600M	$5.100M	$4.500M	$6.700M	$4.300M	$3.400M	$3.100M	$3.000M	$3.300M	$3.400M	$3.300M	$2.700M	$900.0K	$2.100M	$2.100M	$1.500M
YoY Change	24.13%	-6.35%	4.17%	-3.03%	28.57%	20.31%	14.29%	7.69%	20.93%	-4.44%	-10.0%	-34.21%	49.02%	13.33%	-32.84%	55.81%	26.47%	9.68%	3.33%	-9.09%	-2.94%	3.03%	22.22%	200.0%	-57.14%	0.0%	40.0%
Total Long-Term Liabilities	$45.92M	$43.52M	$39.60M	$49.00M	$25.00M	$22.80M	$21.50M	$20.60M	$20.20M	$9.500M	$10.50M	$11.10M	$13.80M	$10.30M	$45.70M	$46.30M	$29.50M	$34.90M	$8.300M	$8.200M	$8.300M	$50.60M	$52.70M	$49.90M	$43.80M	$20.80M	$20.30M	$9.100M
YoY Change	5.51%	9.9%	-19.18%	96.0%	9.65%	6.05%	4.37%	1.98%	112.63%	-9.52%	-5.41%	-19.57%	33.98%	-77.46%	-1.3%	56.95%	-15.47%	320.48%	1.22%	-1.2%	-83.6%	-3.98%	5.61%	13.93%	110.58%	2.46%	123.08%
Total Liabilities	$1.346B	$1.289B	$1.175B	$1.130B	$1.003B	$868.9M	$819.4M	$691.1M	$552.4M	$492.2M	$461.1M	$437.0M	$405.1M	$378.0M	$342.5M	$333.3M	$299.0M	$280.5M	$276.0M	$280.2M	$256.2M	$255.8M	$222.3M	$211.4M	$196.3M	$181.0M	$173.2M	$168.5M
YoY Change	4.45%	9.7%	3.97%	12.62%	15.48%	6.04%	18.56%	25.11%	12.23%	6.74%	5.51%	7.87%	7.17%	10.36%	2.76%	11.47%	6.6%	1.63%	-1.5%	9.37%	0.16%	15.07%	5.16%	7.69%	8.45%	4.5%	2.79%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2020	2019	2018	2017
Basic Shares Outstanding	4.608M	4.464M	4.171M	4.081M
Diluted Shares Outstanding	4.608M	4.464M	4.266M	4.189M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $107.79 Million

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. is a holding company, which engages in the investment in Pathfinder Bank. The company is headquartered in Oswego, New York and currently employs 161 full-time employees. The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The firm also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The firm operates over seven branch offices located in Oswego County, four branch offices in Onondaga County, and one limited purpose office in Oneida County.

Industry: State Commercial Banks Peers: BankFinancial Corp COMMUNITY WEST BANCSHARES / EAGLE FINANCIAL SERVICES INC First Keystone Corp Landmark Bancorp Inc PNC Financial Services Group Inc