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STOCKS

Pathfinder Bancorp (PBHC)

NASDAQ:PBHC

PBHC

Pathfinder Bancorp

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Pathfinder Bancorp (PBHC) Ratios

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Pathfinder Bancorp Ratios

PBHC's free cash flow for Q1 2025 was $0.59. For the 2025 fiscal year, PBHC's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	18.14	0.39	18.14	18.43	41.84
Quick Ratio	4.25	0.39	4.25	21.73	53.24
Cash Ratio	0.58	0.39	0.58	2.95	10.32
Solvency Ratio	<0.01	<0.01	<0.01	0.01	<0.01
Operating Cash Flow Ratio	0.36	0.12	0.36	1.60	11.05
Short-Term Operating Cash Flow Coverage	0.36	0.12	0.36	1.61	11.58
Net Current Asset Value	$ -194.66M	$ -1.30B	$ -194.66M	$ -942.62M	$ -953.71M
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.14	0.11	0.08	0.10
Debt-to-Equity Ratio	1.37	1.77	1.37	0.99	1.27
Debt-to-Capital Ratio	0.58	0.64	0.58	0.50	0.56
Long-Term Debt-to-Capital Ratio	0.43	0.32	0.43	0.46	0.55
Financial Leverage Ratio	12.62	12.27	12.62	11.66	12.60
Debt Service Coverage Ratio	0.20	0.07	0.20	0.76	0.57
Interest Coverage Ratio	2.50	0.41	2.50	2.11	0.76
Debt to Market Cap	1.28	2.16	1.28	1.19	2.30
Interest Debt Per Share	27.32	39.84	27.32	22.33	29.26
Net Debt to EBITDA	7.16	12.41	7.16	3.84	8.28
Profitability Margins
Gross Profit Margin	100.00%	97.49%	100.00%	100.00%	100.00%
EBIT Margin	33.80%	28.62%	33.80%	38.67%	21.88%
EBITDA Margin	35.31%	31.87%	35.31%	42.82%	25.49%
Operating Profit Margin	52.17%	28.62%	52.17%	36.40%	21.62%
Pretax Profit Margin	33.80%	28.62%	33.80%	36.63%	21.88%
Net Profit Margin	20.95%	22.57%	20.95%	28.39%	14.18%
Continuous Operations Profit Margin	28.08%	22.88%	28.08%	28.63%	18.48%
Net Income Per EBT	61.97%	78.86%	61.97%	77.50%	64.80%
EBT Per EBIT	64.80%	100.00%	64.80%	100.65%	101.16%
Return on Assets (ROA)	0.69%	0.63%	0.69%	0.97%	0.44%
Return on Equity (ROE)	8.76%	7.78%	8.76%	11.25%	5.55%
Return on Capital Employed (ROCE)	1.81%	0.88%	1.81%	1.25%	0.67%
Return on Invested Capital (ROIC)	1.79%	0.64%	1.79%	2.03%	1.37%
Return on Tangible Assets	0.70%	0.64%	0.70%	0.97%	0.44%
Earnings Yield	8.55%	10.99%	8.55%	13.83%	10.22%
Efficiency Ratios
Receivables Turnover	0.05	0.00	0.05	9.67	8.38
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.92	1.71	1.92	1.84	1.56
Asset Turnover	0.03	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	0.07	0.09	0.07	0.22	0.27
Cash Conversion Cycle	6.99K	0.00	6.99K	37.75	43.55
Days of Sales Outstanding	6.99K	0.00	6.99K	37.75	43.55
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	6.99K	0.00	6.99K	37.75	43.55
Cash Flow Ratios
Operating Cash Flow Per Share	3.66	2.56	3.66	3.86	10.10
Free Cash Flow Per Share	2.78	2.23	2.78	3.63	9.83
CapEx Per Share	0.88	0.33	0.88	0.23	0.27
Free Cash Flow to Operating Cash Flow	0.76	0.87	0.76	0.94	0.97
Dividend Paid and CapEx Coverage Ratio	3.00	3.72	3.00	7.16	17.41
Capital Expenditure Coverage Ratio	4.17	7.85	4.17	16.63	36.92
Operating Cash Flow Coverage Ratio	0.14	0.07	0.14	0.18	0.38
Operating Cash Flow to Sales Ratio	0.47	0.37	0.47	0.46	1.22
Free Cash Flow Yield	14.54%	15.93%	14.54%	21.12%	85.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.69	9.10	11.69	7.23	9.79
Price-to-Sales (P/S) Ratio	2.45	2.05	2.45	2.05	1.39
Price-to-Book (P/B) Ratio	1.02	0.71	1.02	0.81	0.54
Price-to-Free Cash Flow (P/FCF) Ratio	6.88	6.28	6.88	4.73	1.17
Price-to-Operating Cash Flow Ratio	5.23	5.48	5.23	4.45	1.14
Price-to-Earnings Growth (PEG) Ratio	-0.38	-1.15	-0.38	0.07	0.21
Price-to-Fair Value	1.02	0.71	1.02	0.81	0.54
Enterprise Value Multiple	14.09	18.85	14.09	8.64	13.73
Enterprise Value	230.96M	247.40M	230.96M	161.63M	133.41M
EV to EBITDA	14.09	18.85	14.09	8.64	13.73
EV to Sales	4.98	6.01	4.98	3.70	3.50
EV to Free Cash Flow	13.98	18.37	13.98	8.53	2.95
EV to Operating Cash Flow	10.63	16.03	10.63	8.02	2.87
Tangible Book Value Per Share	18.01	19.17	18.01	20.29	20.19
Shareholders’ Equity Per Share	18.69	19.81	18.69	21.12	21.15
Tax and Other Ratios
Effective Tax Rate	0.17	0.20	0.17	0.22	0.16
Revenue Per Share	7.81	6.83	7.81	8.37	8.27
Net Income Per Share	1.64	1.54	1.64	2.38	1.17
Tax Burden	0.62	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	0.36	0.41	0.36	0.41	0.43
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	0.01
Income Quality	1.68	1.66	1.68	1.62	6.70

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