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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 Q3 2025 was $0.00. For the 2025 fiscal year, PBHC's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.24	0.25	18.14	18.43
Quick Ratio	0.00	0.24	0.25	4.25	21.73
Cash Ratio	0.00	0.02	0.04	0.58	2.95
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	0.00	<0.01	0.01	0.36	1.60
Short-Term Operating Cash Flow Coverage	0.17	0.18	0.12	0.36	1.61
Net Current Asset Value	$ -1.35B	$ -1.05B	$ -1.03B	$ -194.66M	$ -942.62M
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.09	0.14	0.11	0.08
Debt-to-Equity Ratio	0.83	1.12	1.77	1.37	0.99
Debt-to-Capital Ratio	0.45	0.53	0.64	0.58	0.50
Long-Term Debt-to-Capital Ratio	0.28	0.32	0.40	0.43	0.46
Financial Leverage Ratio	11.65	12.14	12.27	12.62	11.66
Debt Service Coverage Ratio	0.16	0.06	0.07	0.20	0.76
Interest Coverage Ratio	0.37	0.14	0.41	2.50	2.11
Debt to Market Cap	1.03	1.11	3.15	1.28	1.19
Interest Debt Per Share	27.32	28.53	51.65	27.32	22.33
Net Debt to EBITDA	9.29	16.15	12.41	7.16	3.84
Profitability Margins
Gross Profit Margin	52.29%	42.09%	55.90%	100.00%	100.00%
EBIT Margin	16.09%	6.18%	16.41%	33.80%	38.67%
EBITDA Margin	19.09%	7.78%	18.27%	35.31%	42.82%
Operating Profit Margin	16.09%	6.18%	16.41%	52.17%	36.40%
Pretax Profit Margin	16.09%	6.18%	16.41%	33.80%	36.63%
Net Profit Margin	11.70%	4.05%	12.94%	20.95%	28.39%
Continuous Operations Profit Margin	13.99%	5.78%	13.12%	28.08%	28.63%
Net Income Per EBT	72.70%	65.56%	78.86%	61.97%	77.50%
EBT Per EBIT	100.00%	100.00%	100.00%	64.80%	100.65%
Return on Assets (ROA)	0.47%	0.23%	0.63%	0.69%	0.97%
Return on Equity (ROE)	5.56%	2.78%	7.78%	8.76%	11.25%
Return on Capital Employed (ROCE)	0.65%	2.47%	5.41%	1.81%	1.25%
Return on Invested Capital (ROIC)	21.75%	1.79%	2.74%	1.79%	2.03%
Return on Tangible Assets	0.47%	0.23%	0.64%	0.70%	0.97%
Earnings Yield	10.59%	3.17%	14.26%	8.55%	13.83%
Efficiency Ratios
Receivables Turnover	0.00	12.13	9.86	0.05	9.67
Payables Turnover	0.00	88.54	14.11	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.64	2.25	2.99	1.92	1.84
Asset Turnover	0.04	0.06	0.05	0.03	0.03
Working Capital Turnover Ratio	-0.12	-0.09	-0.08	0.07	0.22
Cash Conversion Cycle	0.00	25.96	11.16	6.99K	37.75
Days of Sales Outstanding	0.00	30.09	37.03	6.99K	37.75
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	4.12	25.87	0.00	0.00
Operating Cycle	0.00	30.09	37.03	6.99K	37.75
Cash Flow Ratios
Operating Cash Flow Per Share	1.33	1.84	3.32	3.66	3.86
Free Cash Flow Per Share	1.24	0.47	2.89	2.78	3.63
CapEx Per Share	0.09	1.37	0.42	0.88	0.23
Free Cash Flow to Operating Cash Flow	0.93	0.26	0.87	0.76	0.94
Dividend Paid and CapEx Coverage Ratio	2.58	1.05	3.72	3.00	7.16
Capital Expenditure Coverage Ratio	14.41	1.35	7.85	4.17	16.63
Operating Cash Flow Coverage Ratio	0.06	0.08	0.07	0.14	0.18
Operating Cash Flow to Sales Ratio	0.11	0.13	0.21	0.47	0.46
Free Cash Flow Yield	7.04%	2.70%	20.66%	14.54%	21.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.44	31.52	7.01	11.69	7.23
Price-to-Sales (P/S) Ratio	1.43	1.28	0.91	2.45	2.05
Price-to-Book (P/B) Ratio	0.52	0.88	0.55	1.02	0.81
Price-to-Free Cash Flow (P/FCF) Ratio	14.31	37.08	4.84	6.88	4.73
Price-to-Operating Cash Flow Ratio	10.27	9.51	4.22	5.23	4.45
Price-to-Earnings Growth (PEG) Ratio	0.05	-0.44	-0.24	-0.38	0.07
Price-to-Fair Value	0.52	0.88	0.55	1.02	0.81
Enterprise Value Multiple	16.79	32.57	17.38	14.09	8.64
Enterprise Value	188.76M	211.58M	228.06M	230.96M	161.63M
EV to EBITDA	16.74	32.57	17.38	14.09	8.64
EV to Sales	3.19	2.53	3.18	4.98	3.70
EV to Free Cash Flow	31.93	73.57	16.94	13.98	8.53
EV to Operating Cash Flow	29.71	18.88	14.78	10.63	8.02
Tangible Book Value Per Share	24.27	18.12	24.85	18.01	20.29
Shareholders’ Equity Per Share	26.49	19.93	25.68	18.69	21.12
Tax and Other Ratios
Effective Tax Rate	0.13	0.06	0.20	0.17	0.22
Revenue Per Share	12.39	13.70	15.44	7.81	8.37
Net Income Per Share	1.45	0.56	2.00	1.64	2.38
Tax Burden	0.73	0.66	0.79	0.62	0.78
Interest Burden	1.00	1.00	1.00	1.00	0.95
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.23	0.22	0.23	0.36	0.41
Stock-Based Compensation to Revenue	0.01	<0.01	<0.01	0.01	0.01
Income Quality	0.84	3.31	1.66	1.68	1.62

Currency in USD