tiprankstipranks
Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
US Market
PBHC
Pathfinder Bancorp
RESEARCH TOOLSreports

Pathfinder Bancorp (PBHC) Ratios

40 Followers

Pathfinder Bancorp Ratios

PBHC's free cash flow for Q4 2025 was $0.03. For the 2025 fiscal year, PBHC's free cash flow was decreased by $ and operating cash flow was $-0.43. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 26.41 26.41 0.24 0.25 0.20
Quick Ratio
 26.41 26.41 0.24 0.25 0.20
Cash Ratio
 0.26 0.26 0.02 0.04 0.03
Solvency Ratio
 >-0.01 >-0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.27 0.27 <0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.27 0.27 0.18 0.12 0.36
Net Current Asset Value
$ -142.29M$ -142.29M$ -1.05B$ -1.03B$ -1.06B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.09 0.14 0.11
Debt-to-Equity Ratio
 0.89 0.89 1.12 1.77 1.37
Debt-to-Capital Ratio
 0.47 0.47 0.53 0.64 0.58
Long-Term Debt-to-Capital Ratio
 0.27 0.27 0.32 0.40 0.43
Financial Leverage Ratio
 11.78 11.78 12.14 12.27 12.62
Debt Service Coverage Ratio
 -0.02 -0.02 0.06 0.07 0.20
Interest Coverage Ratio
 -0.13 -0.13 0.14 0.41 1.62
Debt to Market Cap
 1.08 1.01 1.11 3.15 1.67
Interest Debt Per Share
 22.18 22.18 28.53 51.65 35.59
Net Debt to EBITDA
 -49.33 -49.33 16.15 12.41 7.16
Profitability Margins
Gross Profit Margin
38.52%38.52%42.09%55.90%77.91%
EBIT Margin
-5.17%-5.17%6.18%16.41%27.84%
EBITDA Margin
-2.45%-2.45%7.78%18.27%29.08%
Operating Profit Margin
-5.17%-5.17%6.18%16.41%27.84%
Pretax Profit Margin
-5.17%-5.17%6.18%16.41%27.84%
Net Profit Margin
-4.32%-4.32%4.05%12.94%22.95%
Continuous Operations Profit Margin
-4.32%-4.32%5.78%13.12%23.13%
Net Income Per EBT
83.48%83.48%65.56%78.86%82.43%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
-0.24%-0.24%0.23%0.63%0.92%
Return on Equity (ROE)
-2.75%-2.82%2.78%7.78%11.65%
Return on Capital Employed (ROCE)
-0.30%-0.30%2.47%5.41%7.34%
Return on Invested Capital (ROIC)
-0.28%-0.28%1.79%2.74%4.76%
Return on Tangible Assets
-0.24%-0.24%0.23%0.64%0.93%
Earnings Yield
-4.02%-3.85%3.17%14.26%14.82%
Efficiency Ratios
Receivables Turnover
 0.09 0.09 12.13 9.86 9.14
Payables Turnover
 114.76 114.76 88.54 14.11 12.77
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.18 2.26 2.25 2.99 2.33
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 0.81 0.99 -0.09 -0.08 -0.06
Cash Conversion Cycle
 4.03K 4.03K 25.96 11.16 11.36
Days of Sales Outstanding
 4.03K 4.03K 30.09 37.03 39.95
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 3.18 3.18 4.12 25.87 28.59
Operating Cycle
 4.03K 4.03K 30.09 37.03 39.95
Cash Flow Ratios
Operating Cash Flow Per Share
 1.86 1.86 1.84 3.32 4.77
Free Cash Flow Per Share
 1.62 1.66 0.47 2.89 3.62
CapEx Per Share
 0.24 0.20 1.37 0.42 1.14
Free Cash Flow to Operating Cash Flow
 0.87 0.89 0.26 0.87 0.76
Dividend Paid and CapEx Coverage Ratio
 2.95 3.14 1.05 3.72 3.00
Capital Expenditure Coverage Ratio
 7.80 9.27 1.35 7.85 4.17
Operating Cash Flow Coverage Ratio
 0.11 0.11 0.08 0.07 0.14
Operating Cash Flow to Sales Ratio
 0.15 0.15 0.13 0.21 0.39
Free Cash Flow Yield
12.24%11.73%2.70%20.66%18.94%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -24.88 -25.99 31.52 7.01 6.75
Price-to-Sales (P/S) Ratio
 1.05 1.12 1.28 0.91 1.55
Price-to-Book (P/B) Ratio
 0.70 0.73 0.88 0.55 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 8.17 8.52 37.08 4.84 5.28
Price-to-Operating Cash Flow Ratio
 7.28 7.60 9.51 4.22 4.02
Price-to-Earnings Growth (PEG) Ratio
 0.17 0.11 -0.44 -0.24 2.33
Price-to-Fair Value
 0.70 0.73 0.88 0.55 0.79
Enterprise Value Multiple
 -92.21 -95.10 32.57 17.38 12.48
Enterprise Value
 178.88M 184.50M 211.58M 228.06M 204.55M
EV to EBITDA
 -92.21 -95.10 32.57 17.38 12.48
EV to Sales
 2.26 2.33 2.53 3.18 3.63
EV to Free Cash Flow
 17.57 17.71 73.57 16.94 12.38
EV to Operating Cash Flow
 15.32 15.80 18.88 14.78 9.41
Tangible Book Value Per Share
 17.57 17.57 18.12 24.85 23.46
Shareholders’ Equity Per Share
 19.22 19.22 19.93 25.68 24.35
Tax and Other Ratios
Effective Tax Rate
 0.17 0.17 0.06 0.20 0.17
Revenue Per Share
 12.58 12.58 13.70 15.44 12.36
Net Income Per Share
 -0.54 -0.54 0.56 2.00 2.84
Tax Burden
 0.83 0.83 0.66 0.79 0.82
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.25 0.23 0.23 0.30
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 0.01
Income Quality
 -3.42 -3.42 3.31 1.66 1.68
Currency in USD