Pathfinder Bancorp, Inc.

PBHC

PBHCPathfinder Bancorp, Inc. US flag

NASDAQ Capital Market

13.52

USD

-0.05

- -

83.55MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	17	18	19	21	23	24	26	29	32	37	44	47	43	46	47
+ Sales & Services Revenue	17	18	19	21	23	24	26	29	32	37	44	47	43	46	47
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	9	10	10	11	12	14	15	16	17	18	16	18	17	19	20
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-9	-10	-10	-11	-12	-14	-15	-16	-17	-18	-16	-18	-17	-19	-20
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-3	-4	-3	-4	-4	-4	-4	-5	-5	-8	-16	-16	-12	-5	4
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-3	-4	-3	-4	-4	-4	-4	-5	-5	-8	-16	-16	-12	-5	4
Pretax Income	3	4	3	4	4	4	4	5	5	8	16	16	12	5	-4
- Income Tax Expense (Benefit)	1	1	1	1	1	1	1	1	1	1	3	3	2	- -	-2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	3	2	3	3	3	3	4	4	7	13	13	9	5	-2
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	- -
Income (Loss) Incl. MI	2	3	2	3	3	3	4	4	4	7	12	13	9	2	-2
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -
Net Income, GAAP	2	3	2	3	3	3	3	4	4	7	12	13	9	3	-2
- Preferred Dividends	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	1	2	2	3	3	3	3	4	4	7	12	13	9	3	-2
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
EBITDA Margin (%)	4.3	4.4	3.81	3.99	4.48	4.28	4.11	4.21	4.82	3.69	4.18	1.5	3.11	2.9	5.11
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	13.31	14.78	12.64	13.17	12.59	13.37	13.29	14.03	13.23	18.59	28.52	27.71	21.57	7.34	-4.11
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.18	0.2	0.09	0.09	0.18	0.22	0.22	0.25	0.28	0.31	0.36	0.45	0.47	0.5	0.51
Depreciation Expense	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4	4	5	4	5	5	5	5
Basic EPS, GAAP	0.32	0.53	0.58	0.64	0.67	0.79	0.86	0.97	0.91	1.47	2.73	2.84	2	0.72	-0.4
Basic EPS from Cont Ops	0.57	0.64	0.58	0.67	0.71	0.8	0.84	0.96	0.96	1.55	2.79	2.86	2.02	1.02	-0.4
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4	4	5	4	5	5	5	5
Diluted EPS, GAAP	0.32	0.53	0.58	0.63	0.66	0.78	0.83	0.94	0.91	1.47	2.73	2.84	2	0.72	-0.4
Diluted EPS from Cont Ops	0.56	0.64	0.58	0.67	0.7	0.79	0.82	0.94	0.96	1.55	2.79	2.86	2.02	1.02	-0.4

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	113	119	98	99	114	164	193	204	131	172	228	227	307	301	308
+ Cash & Cash Equivalents	12	11	17	11	15	22	22	26	20	43	37	35	49	32	31
+ ST Investments	100	108	81	88	99	142	171	178	111	128	191	192	259	269	277
+ Accounts & Notes Receiv	2	2	2	2	2	3	3	3	4	5	5	6	7	7	6
+ Accounts Receivable, Net	2	2	2	2	2	3	3	3	4	5	5	6	7	7	6
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-114	-121	-100	-101	-116	-167	-196	-207	-135	-176	-232	-233	-315	-308	-314
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	11	10	12	13	15	15	16	21	25	25	24	24	24	37	35
+ Property, Plant & Equip	21	21	23	25	28	29	31	37	43	44	45	46	48	62	61
- Accumulated Depreciation	10	11	11	12	13	14	15	16	18	19	21	22	24	25	26
+ LT Investments & Receivables	100	108	115	129	143	197	237	232	235	301	352	388	441	432	413
+ LT Investments	100	108	115	129	143	197	237	232	235	301	352	388	441	432	413
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-111	-118	-127	-142	-158	-212	-253	-253	-260	-326	-376	-412	-465	-469	-448
+ Total Intangible Assets	4	4	5	5	5	5	5	5	5	5	5	5	5	11	10
+ Goodwill	4	4	4	4	5	5	5	5	5	5	5	5	5	5	5
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6	5
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-115	-122	-132	-147	-163	-217	-258	-257	-264	-331	-381	-417	-470	-480	-459
Total Assets	443	478	504	561	623	749	881	933	1,094	1,227	1,285	1,400	1,466	1,475	1,427
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	1	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	1	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	9	24	55	25	42	31	39	25	4	12	60	126	61	44
+ ST Borrowings	- -	9	24	55	25	42	31	39	25	4	12	60	126	61	44
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-9	-24	-55	-25	-42	-31	-39	-26	-4	-13	-61	-128	-62	-44
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-9	-24	-55	-25	-42	-31	-39	-26	-4	-13	-61	-128	-62	-44
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	31	31	22	16	31	32	58	95	86	120	97	92	86	76	62
+ LT Borrowings	31	31	22	16	31	32	58	95	83	117	94	85	80	57	44
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	3	3	3	7	6	18	18
+ Other LT Liabilities	-31	-31	-22	-16	-31	-32	-58	-95	-86	-120	-97	-92	-86	-76	-62
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-31	-31	-22	-16	-31	-32	-58	-95	-86	-120	-97	-92	-86	-76	-62
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	405	437	461	492	552	691	819	869	1,003	1,130	1,175	1,288	1,346	1,353	1,304
+ Preferred Equity and Hybrid Capital	13	13	13	13	13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	9	8	8	29	29	28	28	29	49	50	51	52	53	53	54
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	9	8	8	29	29	27	28	29	49	50	51	52	53	53	54
- Treasury Stock	5	5	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	25	27	29	31	33	36	39	42	45	50	61	71	76	78	73
+ Other Equity	-3	-1	-2	-2	-3	-4	-4	-6	-3	-2	-1	-12	-10	-9	-5
Equity Before Minority Interest	38	41	43	69	71	58	62	64	90	97	110	111	119	121	122
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	- -	- -
Total Equity	38	41	43	69	71	58	62	64	91	98	111	112	120	121	122
Total Liabilities & Equity	443	478	504	561	623	749	881	933	1,094	1,227	1,285	1,400	1,466	1,475	1,427
Shares Outstanding	4	4	4	4	4	4	4	4	5	5	6	6	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	3	3	3	7	6	18	18
Net Debt	19	29	29	60	41	52	67	107	88	78	70	110	157	87	57
Net Debt to Equity	50.24	72.29	67.18	86.55	57.63	88.33	107.74	166.48	97.16	79.8	62.83	98.98	130.37	71.29	46.6
Tangible Common Equity Ratio	4.78	5.04	5.11	9.28	8.65	7.21	6.55	6.44	7.89	7.61	8.28	7.66	7.91	7.54	7.91
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	2	3	2	3	3	3	3	4	4	7	12	13	9	3	-2
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
+ Non-Cash Items	2	-1	2	2	2	2	4	4	3	40	6	6	4	9	12
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1	1	1	1	1	1	- -	- -	1
+ Deferred Income Taxes	1	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	-4
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	-1	1	1	2	2	3	2	2	41	5	5	4	9	14
+ Chg in Non-Cash Work Cap	-1	1	- -	-1	- -	- -	-2	- -	- -	-2	- -	2	- -	-2	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	-1	- -	-1	-1	- -	-2	-1	- -	1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	1	- -	- -	1	1	-1	- -	- -	-1	- -	4	2	-3	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	4	3	5	5	6	6	7	9	8	47	20	22	15	11	12
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	3	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	3	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	- -	-2	-2	-3	-1	-2	-6	-4	-1	-1	-5	-2	-8	-1
+ Acq of Fixed Prod Assets	-2	- -	-2	-2	-3	-1	-2	-6	-4	-1	-1	-5	-2	-2	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-6	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	25	- -	-2	- -	- -	4	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	25	- -	- -	- -	- -	4	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-13	-8	-11	-13	-15	-57	-42	2	- -	-67	-55	-59	-49	9	27
+ Dec in LT Investment	47	43	29	24	59	105	113	86	165	173	146	58	66	127	102
+ Inc in LT Investment	-61	-51	-40	-37	-74	-162	-155	-84	-164	-240	-200	-117	-114	-118	-75
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-22	-30	-8	-49	-43	-63	-90	-49	-159	-81	-14	-68	-4	-27	14
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-38	-38	-21	-64	-61	-121	-134	-52	-163	-149	-70	-131	-55	-22	40
+ Dividends Paid	-1	-1	- -	- -	-1	-1	-1	-1	-1	-1	-2	-2	-2	-2	-2
+ Net Cash From Debt	-15	- -	-9	-6	15	- -	26	36	-11	34	-23	-9	-6	-23	-13
+ Cash From Debt	-9	4	- -	- -	28	4	33	38	20	65	13	9	6	11	11
+ Repayments of Debt	-6	-4	-9	-6	-13	-4	-7	-2	-31	-31	-36	-18	-12	-34	-24
+ Other Financing Activities	46	34	34	36	44	125	101	12	157	93	69	119	61	19	-37
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	30	33	24	54	59	122	127	47	149	126	43	108	53	-6	-53
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-4	-2	8	-5	4	7	- -	4	-6	23	-6	-2	13	-17	- -
EBITDA	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
EBITDA Margin (%)	4.3	4.4	3.81	3.99	4.48	4.28	4.11	4.21	4.82	3.69	4.18	1.5	3.11	2.9	5.11
Free Cash Flow	2	3	3	3	4	5	5	3	5	45	19	17	13	3	10
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1
Free Cash Flow to Firm	2	3	3	3	4	5	5	3	5	45	19	17	13	3	- -
Free Cash Flow to Equity	-7	2	-6	-3	19	-8	31	40	-7	79	-4	9	8	-11	-3
Free Cash Flow per Basic Share	0.49	0.62	0.69	0.64	0.89	1.22	1.19	0.79	1.01	10	4.23	3.62	2.89	0.61	2.18
Price/Free Cash Flow	3.01	7.1	3.79	4.59	5.06	6.21	6.31	3.99	4.72	0.99	3.34	3.06	3.62	4.19	5.27
Cash Flow to Net Income	1.73	1.04	2.12	1.83	2.18	1.95	1.96	2.23	1.9	6.7	1.62	1.68	1.66	3.31	-6.04
Capital Expenditures	-2	- -	-2	-2	-3	-1	-2	-6	-4	-1	-1	-5	-2	-8	-1