AUS Edition 
NZ Edition 
UK Edition 
CA Edition 
USA Edition 
IND Edition 
⚠
✓
Pathfinder Bancorp Inc (NASDAQ:PBHC)
15.98 USD
-0.015 0.094%Sponsored Reports
Loading...
| Previous Close (in USD) | 15.995 |
|---|---|
| Change | -0.015 0.094% |
| 52 W H/L (in USD) | 15.560/11.320 |
| EBITDA (in USD) | -- |
| PE Ratio | 8.84 |
| Volume | 25242 |
| Diluted Eps TTM | 1.44 |
| Total Assets (in USD) | 1471.259M |
|---|---|
| Total Liabilities (in USD) | 1351.003M |
| Revenue TTM (in USD) | 40.722M |
| Cash (in USD) | 48.732M |
| Market Cap (in USD) | 77.654 M |
| Revenue Per Share TTM | 6.724 |
| Gross Profit TTM (in USD) | 44.563M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Pathfinder Bancorp Inc
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.
Employees: 161
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. James A. Dowd CPA, CPA | Interim Pres, CEO & COO | 1968 |
| 2. | Mr. Ronald A. Tascarella | Exec. VP & Chief Banking Officer | 1959 |
| 3. | Mr. Walter F. Rusnak CPA | Sr. VP, CFO & Controller | 1954 |
| 4. | Mr. Daniel R. Phillips | Sr. VP & Chief Information Officer | 1965 |
| 5. | Mr. Heather Bush | VP of HR | NA |
| 6. | Mr. William D. O'Brien | Sr. VP, Chief Risk Officer & Corp. Sec. | 1966 |
| 7. | Ms. Roberta Davis | VP & Financial Analyst | NA |
| 8. | Mr. James A. Dowd CPA, CPA | President, CEO & Director | 1968 |
| 9. | Mr. Walter F. Rusnak CPA | Senior VP, CFO & Controller | 1954 |
| 10. | Mr. Ronald A. Tascarella | Executive VP & Chief Banking Officer | 1959 |
Peers
Sector: Financial Services
Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
HDB
HDFC Bank Limited ADR |
-0.540 2.276% | 23.71 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
+0.150 0.493% | 30.68 | 7.780 | 7.645 | 0.562 | 0.901 | 3.617 | 0.000 |
|
DBSDF
DBS Group Holdings Ltd |
0.000 0.000% | 56.7 | 15.290 | 14.409 | 5.843 | 2.364 | 10.400 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
-0.150 2.400% | 6.1 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 15.689M | 16.009M | 8.341M | 5.451M | 4.555M |
| Minority Interest | -0.101M | -0.103M | 0.266M | 0.235M | 0.238M |
| Net Income | 12.932M | 12.407M | 6.95M | 4.276M | 4.031M |
| Selling General Administrative | 16.628M | 17.813M | 16.563M | 16.42M | 15.791M |
| Gross Profit | 46.411M | 43.701M | 38.128M | 33.147M | 28.726M |
| Reconciled Depreciation | 1.072M | 1.798M | 1.378M | 1.558M | 1.209M |
| Ebit | 24.211M | 15.906M | 8.245M | 5.441M | 13.621M |
| Ebitda | 25.283M | 17.704M | 9.603M | 6.974M | 14.83M |
| Depreciation And Amortization | 1.072M | 1.798M | 1.358M | 1.533M | 1.209M |
| Operating Income | 24.211M | 15.906M | 8.245M | 5.441M | 13.621M |
| Other Operating Expenses | 0.905M | 27.795M | 29.883M | 27.706M | 15.105M |
| Interest Expense | 9.695M | 7.532M | 10.864M | 13.528M | 9.044M |
| Tax Provision | 2.656M | 3.499M | 1.954M | 1.165M | 0.546M |
| Interest Income | 50.869M | 45.518M | 42.866M | 41.479M | 34.551M |
| Net Interest Income | 41.174M | 37.986M | 32.002M | 27.951M | 25.507M |
| Income Tax Expense | 2.656M | 3.499M | 1.295M | 1.165M | 0.546M |
| Total Revenue | 46.411M | 43.701M | 38.128M | 33.147M | 29.601M |
| Total Operating Expenses | 0.905M | -27.795M | -29.883M | -27.706M | -15.105M |
| Cost Of Revenue | - | - | - | - | 0.875M |
| Total Other Income Expense Net | -8.522M | 0.103M | 0.096M | 0.01M | -9.066M |
| Net Income From Continuing Ops | 13.033M | 12.51M | 7.046M | 4.286M | 4.009M |
| Net Income Applicable To Common Shares | 12.932M | 12.407M | 5.405M | 3.578M | 4.031M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 1471.259M | 1400.505M | 1285.523M | 1227.709M | 1184.476M |
| Intangible Assets | 0.085M | 0.101M | 0.117M | 0.133M | 0.149M |
| Other Current Assets | 59.211M | - | 6.633M | 720.661M | 694.375M |
| Total Liab | 1351.003M | 1288.924M | 1174.89M | 1129.987M | 1093.807M |
| Total Stockholder Equity | 119.495M | 110.996M | 110.287M | 97.456M | 90.434M |
| Other Current Liab | 516.442M | -0.975M | -12.606M | -4.213M | -25.534M |
| Common Stock | 0.061M | 0.061M | 0.06M | 0.045M | 0.047M |
| Capital Stock | 0.061M | 0.061M | 0.06M | 0.059M | 0.059M |
| Retained Earnings | 76.06M | 71.322M | 60.946M | 50.284M | 44.839M |
| Good Will | 4.536M | 4.536M | 4.536M | 4.536M | 4.536M |
| Other Assets | 1640.939M | 277.417M | 672.61M | 720.927M | 785.044M |
| Cash | 48.732M | 35.282M | 37.149M | 43.464M | 20.16M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 665.137M | 60.333M | 12.606M | 4.213M | 25.534M |
| Current Deferred Revenue | -2.245M | - | - | - | - |
| Net Debt | 162.873M | 117.287M | 71.952M | 80.511M | 90.743M |
| Short Term Debt | 148.695M | 60.333M | 12.5M | 4.02M | 25.138M |
| Short Long Term Debt | 125.68M | 60.333M | 12.5M | 4.02M | 25.138M |
| Short Long Term Debt Total | 211.605M | 152.569M | 109.101M | 123.975M | 110.903M |
| Other Stockholder Equity | 53.114M | 51.785M | 50.549M | 49.349M | 48.507M |
| Property Plant Equipment | - | - | 23.795M | 24.504M | 25.085M |
| Total Current Assets | 59.211M | 1094.268M | 232.267M | 176.274M | 135.006M |
| Long Term Investments | 441.208M | 387.99M | 352.198M | 301.335M | 234.656M |
| Short Term Investments | 258.716M | 191.726M | 190.598M | 128.261M | 111.134M |
| Net Receivables | 7.286M | 6.168M | 4.52M | 4.549M | 3.712M |
| Long Term Debt | 79.833M | 85.397M | 94.161M | 117.43M | 83.115M |
| Inventory | -683.005M | - | - | - | 0.088M |
| Accounts Payable | 2.245M | 0.975M | 0.106M | 0.193M | 0.396M |
| Accumulated Other Comprehensive Income | -9.74M | -12.172M | -1.268M | -2.236M | -2.971M |
| Non Currrent Assets Other | 1325.755M | -387.99M | -380.646M | -330.508M | -264.426M |
| Non Current Assets Total | 1412.048M | 28.82M | 380.646M | 330.508M | 264.426M |
| Capital Lease Obligations | 6.092M | 6.839M | 2.44M | 2.525M | 2.65M |
| Long Term Debt Total | - | - | - | - | 15.128M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -131.16M | -54.523M | -149.223M | -162.811M | -52.025M |
| Total Cashflows From Investing Activities | - | -69.951M | -149.223M | -162.811M | -52.025M |
| Total Cash From Financing Activities | 107.56M | 43.482M | 125.966M | 148.535M | 47.368M |
| Net Income | 12.932M | 12.407M | 6.95M | 4.276M | 4.031M |
| Change In Cash | -1.867M | -6.315M | 23.304M | -6.156M | 4.325M |
| Begin Period Cash Flow | 37.149M | 43.464M | 20.16M | 26.316M | 21.991M |
| End Period Cash Flow | 35.282M | 37.149M | 43.464M | 20.16M | 26.316M |
| Total Cash From Operating Activities | 21.733M | 20.154M | 46.561M | 8.12M | 8.982M |
| Depreciation | 1.072M | 1.798M | 1.358M | 1.533M | 1.209M |
| Other Cashflows From Investing Activities | - | -4.799M | 0.576M | 2.767M | -6.11M |
| Dividends Paid | 2.037M | 1.601M | 1.414M | 1.23M | 1.025M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | - | -6.866M | -3.907M | 176.811M | 43.891M |
| Other Cashflows From Financing Activities | 113.721M | 81.052M | 158.356M | -0.018M | -0.095M |
| Capital Expenditures | 5.209M | 1.212M | 1.261M | 3.596M | 5.692M |
| Change In Working Capital | 1.894M | 0.146M | -3.496M | -0.407M | 0.241M |
| Other Non Cash Items | 4.911M | 4.705M | 35.167M | 2.104M | 2.385M |
| Free Cash Flow | 16.524M | 18.942M | 45.3M | 4.524M | 3.29M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Institutional Extnd Mkt Idx Tr | 2 years ago | 36045 |
| 2. | Fidelity Extended Market Index | 2 years ago | 12326 |
| 3. | Bridgeway Omni Small-Cap Value | 2 years ago | 10200 |
| 4. | Bridgeway Omni Small-Cap Value N | 2 years ago | 10200 |
| 5. | DFA US Core Equity 2 I | 2 years ago | 8118 |
| 6. | iShares Micro-Cap ETF | 2 years ago | 7418 |
| 7. | Fidelity Series Total Market Index | 2 years ago | 5112 |
| 8. | Fidelity Total Market Index | 2 years ago | 4697 |
| 9. | DFA US Core Equity 1 I | 2 years ago | 4141 |
| 10. | Vanguard U.S. Eq Idx £ Acc | 2 years ago | 1636 |
| 11. | DFA US Vector Equity I | 2 years ago | 1554 |
| 12. | NT Ext Equity Mkt Idx Fd - L | 2 years ago | 1254 |
| 13. | Northern Trust Extended Eq Market Idx | 2 years ago | 1254 |
| 14. | Dimensional US Targeted Value ETF | 2 years ago | 1123 |
| 15. | DFA US Sustainability Core 1 | 2 years ago | 900 |
| 16. | NT Quality Small Cap Core | 2 years ago | 709 |
| 17. | NT Quality SCC US Fund - L | 2 years ago | 709 |
| 18. | DFA US Vector Equity Class F | 2 years ago | 704 |
| 19. | 1290 VT Micro Cap K | 2 years ago | 646 |
| 20. | Dimensional US Core Equity 2 ETF | 2 years ago | 610 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Minerva Advisors LLC | 2 years ago | 256599 |
| 2. | AllianceBernstein L.P. | 2 years ago | 247258 |
| 3. | Oppenheimer & Close Inc | 2 years ago | 91718 |
| 4. | M3F, Inc. | 2 years ago | 77265 |
| 5. | Hamilton Point Investment Advisors, LLC | 2 years ago | 38429 |
| 6. | Vanguard Group Inc | 2 years ago | 37681 |
| 7. | MONOGRAPH WEALTH ADVISORS, LLC | 2 years ago | 29663 |
| 8. | Geode Capital Management, LLC | 2 years ago | 23143 |
| 9. | Advisor Group Holdings, Inc. | 2 years ago | 18504 |
| 10. | Dimensional Fund Advisors, Inc. | 2 years ago | 16663 |
| 11. | CALDWELL SUTTER CAPITAL INC | 2 years ago | 15373 |
| 12. | Northern Trust Corp | 2 years ago | 11941 |
| 13. | Bridgeway Capital Management, LLC | 2 years ago | 10200 |
| 14. | BlackRock Inc | 2 years ago | 9098 |
| 15. | Rockbridge Investment Management, LLC | 2 years ago | 2092 |
| 16. | Tower Research Capital LLC | 2 years ago | 992 |
| 17. | Morgan Stanley - Brokerage Accounts | 2 years ago | 526 |
| 18. | Royal Bank of Canada | 2 years ago | 215 |
| 19. | Wells Fargo & Co | 2 years ago | 18 |
| 20. | Creative Planning Inc | 2 years ago | 0 |
Data Powered by EOD Historical Data (“EODHD”). All CFDs (stocks, indices, mutual funds, ETFs), and Forex are not provided by exchanges but rather by market makers, and so prices may not be accurate and may differ from the actual market price, meaning prices are indicative and not appropriate for trading purposes. EODHD is not using exchanges data feeds for the pricing data, EODHD is using OTC, peer to peertrades and trading platforms over 100+ sources, EODHD is aggregating its data feeds via VWAP method. Therefore, EOD Historical Data doesn’t bear any responsibility for any trading losses you might incur as a result of using this data. EOD Historical Data or anyone involved with EOD Historical Data will not accept any liability for loss or damage as a result of reliance on the information including data, quotes, charts and buy/sell signals contained within this website. Please be fully informed regarding the risks and costs associated with trading the financial markets, it is one of the riskiest investment forms possible. EOD Historical Data does not give any warranties (including, without limitation, as to merchantability or fitness for a particular purpose or use).
Sponsored Articles
Loading...
Related Articles
Loading...