Stock PBHC PATHFINDER BANCORP, INC.
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Financials Pathfinder Bancorp, Inc.

Equities

PBHC

US70319R1095

Banks

Market Closed - Nasdaq
Other stock markets
 04:30:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
12.66 USD +0.23% Intraday chart for Pathfinder Bancorp, Inc. +3.43% -9.64%
Apr. 01 Pathfinder Bancorp, Inc. Declares Cash Dividend for Fiscal Quarter Ending March 31, 2024, Will Be Paid on May 10, 2024 CI
Mar. 22 Tranche Update on Pathfinder Bancorp, Inc.'s Equity Buyback Plan announced on April 29, 2016. CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 65.95 63.74 53.45 101.1 113.9 85.11
Enterprise Value (EV) 1 177.3 155.2 136 173.8 221.5 243.4
P/E ratio 16.7 x 17.4 x 9.81 x 9.66 x 11.7 x 12 x
Yield 1.53% 1.73% 2.09% 1.63% 1.88% 2.57%
Capitalization / Revenue 2.35 x 2.05 x 1.6 x 2.32 x 2.56 x 2.07 x
EV / Revenue 6.31 x 4.99 x 4.07 x 4 x 4.97 x 5.91 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.03 x 0.71 x 0.52 x 0.92 x 1.03 x 0.71 x
Nbr of stocks (in thousands) 4,212 4,586 4,656 5,890 5,952 6,075
Reference price 2 15.66 13.90 11.48 17.17 19.14 14.01
Announcement Date 3/27/19 3/23/20 3/30/21 3/25/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 28.1 31.11 33.42 43.5 44.56 41.18
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4.555 5.451 8.341 16.01 15.69 11.78
Net income 1 4.031 4.276 6.95 12.41 12.93 9.293
Net margin 14.34% 13.75% 20.8% 28.52% 29.02% 22.57%
EPS 2 0.9400 0.8000 1.170 1.778 1.637 1.164
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.2400 0.2400 0.2400 0.2800 0.3600 0.3600
Announcement Date 3/27/19 3/23/20 3/30/21 3/25/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 111 91.4 82.6 72.7 108 158
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 6.33% 5.53% 7.48% 12% 11.7% 8.13%
ROA (Net income/ Total Assets) 0.44% 0.42% 0.61% 1% 0.97% 0.66%
Assets 1 912.2 1,011 1,145 1,246 1,332 1,413
Book Value Per Share 2 15.20 19.70 21.90 18.60 18.50 19.60
Cash Flow per Share 2 5.290 4.390 9.430 6.010 5.890 8.010
Capex 1 5.69 3.6 1.26 1.21 5.21 1.97
Capex / Sales 20.25% 11.56% 3.77% 2.79% 11.69% 4.77%
Announcement Date 3/27/19 3/23/20 3/30/21 3/25/22 3/31/23 3/22/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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