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STOCKS

Pathfinder (PBHC)

:PBHC

PBHC

Pathfinder Bancorp

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Pathfinder Bancorp (PBHC) Ratios

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36 Followers

Pathfinder Bancorp Ratios

PBHC's free cash flow for Q2 2025 was $0.46. For the 2025 fiscal year, PBHC's free cash flow was decreased by $ and operating cash flow was

lt;0.01. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	5.64	0.25	18.14	18.43	41.84
Quick Ratio	5.64	0.25	4.25	21.73	53.24
Cash Ratio	0.21	0.04	0.58	2.95	10.32
Solvency Ratio	<0.01	<0.01	<0.01	0.01	<0.01
Operating Cash Flow Ratio	0.15	0.01	0.36	1.60	11.05
Short-Term Operating Cash Flow Coverage	0.15	0.12	0.36	1.61	11.58
Net Current Asset Value	$ -954.87M	$ -1.03B	$ -194.66M	$ -942.62M	$ -953.71M
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.14	0.11	0.08	0.10
Debt-to-Equity Ratio	1.16	1.77	1.37	0.99	1.27
Debt-to-Capital Ratio	0.54	0.64	0.58	0.50	0.56
Long-Term Debt-to-Capital Ratio	0.29	0.40	0.43	0.46	0.55
Financial Leverage Ratio	12.10	12.27	12.62	11.66	12.60
Debt Service Coverage Ratio	0.06	0.07	0.20	0.76	0.57
Interest Coverage Ratio	0.11	0.41	2.50	2.11	0.76
Debt to Market Cap	1.37	3.15	1.28	1.19	2.30
Interest Debt Per Share	37.73	51.65	27.32	22.33	29.26
Net Debt to EBITDA	23.03	12.41	7.16	3.84	8.28
Profitability Margins
Gross Profit Margin	42.95%	55.90%	100.00%	100.00%	100.00%
EBIT Margin	4.55%	16.41%	33.80%	38.67%	21.88%
EBITDA Margin	6.82%	18.27%	35.31%	42.82%	25.49%
Operating Profit Margin	4.55%	16.41%	52.17%	36.40%	21.62%
Pretax Profit Margin	4.55%	16.41%	33.80%	36.63%	21.88%
Net Profit Margin	-0.90%	12.94%	20.95%	28.39%	14.18%
Continuous Operations Profit Margin	4.46%	13.12%	28.08%	28.63%	18.48%
Net Income Per EBT	-19.82%	78.86%	61.97%	77.50%	64.80%
EBT Per EBIT	100.00%	100.00%	64.80%	100.65%	101.16%
Return on Assets (ROA)	-0.05%	0.63%	0.69%	0.97%	0.44%
Return on Equity (ROE)	-0.60%	7.78%	8.76%	11.25%	5.55%
Return on Capital Employed (ROCE)	0.26%	5.41%	1.81%	1.25%	0.67%
Return on Invested Capital (ROIC)	0.93%	2.74%	1.79%	2.03%	1.37%
Return on Tangible Assets	-0.05%	0.64%	0.70%	0.97%	0.44%
Earnings Yield	-1.03%	14.26%	8.55%	13.83%	10.22%
Efficiency Ratios
Receivables Turnover	11.86	9.86	0.05	9.67	8.38
Payables Turnover	57.35	14.11	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	2.99	1.92	1.84	1.56
Asset Turnover	0.05	0.05	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.27	-0.08	0.07	0.22	0.27
Cash Conversion Cycle	24.41	11.16	6.99K	37.75	43.55
Days of Sales Outstanding	30.77	37.03	6.99K	37.75	43.55
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	6.36	25.87	0.00	0.00	0.00
Operating Cycle	30.77	37.03	6.99K	37.75	43.55
Cash Flow Ratios
Operating Cash Flow Per Share	2.34	3.32	3.66	3.86	10.10
Free Cash Flow Per Share	0.64	2.89	2.78	3.63	9.83
CapEx Per Share	1.70	0.42	0.88	0.23	0.27
Free Cash Flow to Operating Cash Flow	0.27	0.87	0.76	0.94	0.97
Dividend Paid and CapEx Coverage Ratio	1.06	3.72	3.00	7.16	17.41
Capital Expenditure Coverage Ratio	1.38	7.85	4.17	16.63	36.92
Operating Cash Flow Coverage Ratio	0.08	0.07	0.14	0.18	0.38
Operating Cash Flow to Sales Ratio	0.14	0.21	0.47	0.46	1.22
Free Cash Flow Yield	3.31%	20.66%	14.54%	21.12%	85.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-97.50	7.01	11.69	7.23	9.79
Price-to-Sales (P/S) Ratio	1.13	0.91	2.45	2.05	1.39
Price-to-Book (P/B) Ratio	0.58	0.55	1.02	0.81	0.54
Price-to-Free Cash Flow (P/FCF) Ratio	30.17	4.84	6.88	4.73	1.17
Price-to-Operating Cash Flow Ratio	6.45	4.22	5.23	4.45	1.14
Price-to-Earnings Growth (PEG) Ratio	2.25	-0.24	-0.38	0.07	0.21
Price-to-Fair Value	0.58	0.55	1.02	0.81	0.54
Enterprise Value Multiple	39.62	17.38	14.09	8.64	13.73
Enterprise Value	220.82M	228.06M	230.96M	161.63M	133.41M
EV to EBITDA	39.62	17.38	14.09	8.64	13.73
EV to Sales	2.70	3.18	4.98	3.70	3.50
EV to Free Cash Flow	72.07	16.94	13.98	8.53	2.95
EV to Operating Cash Flow	19.81	14.78	10.63	8.02	2.87
Tangible Book Value Per Share	23.89	24.85	18.01	20.29	20.19
Shareholders’ Equity Per Share	26.14	25.68	18.69	21.12	21.15
Tax and Other Ratios
Effective Tax Rate	-0.18	0.20	0.17	0.22	0.16
Revenue Per Share	17.17	15.44	7.81	8.37	8.27
Net Income Per Share	-0.15	2.00	1.64	2.38	1.17
Tax Burden	-0.20	0.79	0.62	0.78	0.65
Interest Burden	1.00	1.00	1.00	0.95	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.23	0.23	0.36	0.41	0.43
Stock-Based Compensation to Revenue	<0.01	<0.01	0.01	0.01	0.01
Income Quality	4.91	1.66	1.68	1.62	6.70

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