Pathfinder Bancorp, Inc.
NASDAQ Capital MarketTotal Valuation
Pathfinder Bancorp, Inc. carries a market capitalization of 106.58M, placing it among publicly traded companies globally. Its enterprise value stands at -111.50M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 106.58M |
| Enterprise Value | -111.50M |
Share Statistics
Pathfinder Bancorp, Inc. currently has 6.28M shares outstanding.
| Shares Outstanding | 6.28M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Pathfinder Bancorp, Inc. trades at a trailing price-to-earnings ratio of 536.28. The price-to-sales ratio is 1.59, and the price-to-book ratio stands at 0.79.
| PE Ratio | 536.28 |
| PS Ratio | 1.59 |
| PB Ratio | 0.79 |
| P/TBV Ratio | 0.86 |
| P/FCF Ratio | 6.11 |
| P/OCF Ratio | 6.49 |
Enterprise Valuation
| EV / Sales | 3.73 |
| EV / EBITDA | 69.53 |
| EV / EBIT | N/A |
| EV / FCF | N/A |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 143.93 |
| Debt / EBITDA | 72.83 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 0.11 |
| Return on Assets (ROA) | 0.01 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Pathfinder Bancorp, Inc. has paid -1.80M in income taxes, reflecting an effective tax rate of 42.84.
| Income Tax | -1.80M |
| Effective Tax Rate | 42.84 |
Stock Price Statistics
Pathfinder Bancorp, Inc.'s stock has gained approximately 12.7158% over the past 52 weeks. The 50-day moving average sits at 16.74, while the 200-day moving average is 14.89.
| Beta (5Y) | N/A |
| 52-Week Price Change | 12.7158% |
| 50-Day Moving Average | 16.74 |
| 200-Day Moving Average | 14.89 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Pathfinder Bancorp, Inc. generated 48.33M in revenue and converted that into 143,000.00 in net income, yielding earnings per share of 0.03.
| Revenue | 48.33M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | -1.65M |
| Net Income | 143,000.00 |
| EBITDA | 2.49M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 0.03 |
Balance Sheet
Pathfinder Bancorp, Inc. holds 392.20M in cash and equivalents against 180.99M in total debt, resulting in a net debt position of 137.48M.
| Cash & Cash Equivalents | 392.20M |
| Total Debt | 180.99M |
| Net Debt | 137.48M |
| Equity (Book Value) | 125.74M |
| Book Value Per Share | 20.03 |
| Working Capital | N/A |
Cash Flow
Pathfinder Bancorp, Inc. produced 11.82M in operating cash flow over the past twelve months. After subtracting -812,000.00 in capital expenditures, free cash flow totaled 11.01M - equivalent to 2.28 per share.
| Operating Cash Flow | 11.82M |
| Capital Expenditures | -812,000.00 |
| Free Cash Flow | 11.01M |
| FCF Per Share | 2.28 |
Margins
Pathfinder Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | -3.42 |
| Profit Margin | 0.30 |
| EBITDA Margin | 5.14 |
Dividends & Yields
The company's payout ratio of 1,732.17 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.51 |
| Dividend Yield | N/A |
| Payout Ratio | 1,732.17 |
| Shareholder Yield | 12.37 |
| FCF Yield | 16.38 |
Stock Splits
Pathfinder Bancorp, Inc.'s most recent stock split took place on October 17, 2014 with a 1000:1647 split ratio.
| Last Split Date | 10/17/2014 |
| Split Ratio | 1000:1647 |
Scores
Pathfinder Bancorp, Inc. posts an Altman Z-Score of 0.15, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.15 |