Pathfinder Bancorp, Inc.
NASDAQ Capital MarketTotal Valuation
Pathfinder Bancorp, Inc. carries a market capitalization of 84.35M, placing it among publicly traded companies globally. Its enterprise value stands at -175.79M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 84.35M |
| Enterprise Value | -175.79M |
Share Statistics
Pathfinder Bancorp, Inc. currently has 6.26M shares outstanding.
| Shares Outstanding | 6.26M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Pathfinder Bancorp, Inc. trades at a trailing price-to-earnings ratio of 60.53. The price-to-sales ratio is 1.34, and the price-to-book ratio stands at 0.81.
| PE Ratio | 60.53 |
| PS Ratio | 1.34 |
| PB Ratio | 0.81 |
| P/TBV Ratio | 0.54 |
| P/FCF Ratio | 9.33 |
| P/OCF Ratio | 10.67 |
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 | 60.77 |
| Debt / EBITDA | 31.65 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | -3.21 |
| Return on Assets (ROA) | -0.17 |
| 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 -2.37M in income taxes, reflecting an effective tax rate of 43.28.
| Income Tax | -2.37M |
| Effective Tax Rate | 43.28 |
Stock Price Statistics
Pathfinder Bancorp, Inc.'s stock has declined approximately -8.38926% over the past 52 weeks. The 50-day moving average sits at 13.48, while the 200-day moving average is 14.17.
| Beta (5Y) | N/A |
| 52-Week Price Change | -8.38926% |
| 50-Day Moving Average | 13.48 |
| 200-Day Moving Average | 14.17 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Pathfinder Bancorp, Inc. generated 45.84M in revenue and converted that into -2.49M in net income, yielding earnings per share of -0.52.
| Revenue | 45.84M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | -4.87M |
| Net Income | -2.49M |
| EBITDA | 2.37M |
| EBIT | N/A |
| Earnings Per Share (EPS) | -0.52 |
Balance Sheet
Pathfinder Bancorp, Inc. holds 312.13M in cash and equivalents against 75.11M in total debt, resulting in a net debt position of 18.37M.
| Cash & Cash Equivalents | 312.13M |
| Total Debt | 75.11M |
| Net Debt | 18.37M |
| Equity (Book Value) | 75.20M |
| Book Value Per Share | 15.67 |
| Working Capital | N/A |
Cash Flow
Pathfinder Bancorp, Inc. produced 5.74M in operating cash flow over the past twelve months. After subtracting -871,000.00 in capital expenditures, free cash flow totaled 4.87M - equivalent to 1.01 per share.
| Operating Cash Flow | 5.74M |
| Capital Expenditures | -871,000.00 |
| Free Cash Flow | 4.87M |
| FCF Per Share | 1.01 |
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 | -10.62 |
| Profit Margin | -5.44 |
| EBITDA Margin | 5.18 |
Dividends & Yields
The company's payout ratio of -98.88 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.51 |
| Dividend Yield | N/A |
| Payout Ratio | -98.88 |
| Shareholder Yield | 116.93 |
| FCF Yield | 10.72 |
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 0.14, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.14 |