Pathfinder Bancorp, Inc. Ratios

Ratios Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
EBT Margin 17.08%18.97%17.45%18.02%134.65%130.11%139.09%152.99%324.33%341.44%256.01%105.03%
EBIT Margin 34.23%31.51%29.03%33.56%329.56%388.43%484.28%352.26%476.92%552.43%880.47%865.62%
Net Margin 12.64%12.71%12.03%13.31%108.18%115.14%91.30%99.14%188.15%211.60%152.55%52.21%
FCF Margin 14.96%12.79%16.04%20.47%150.82%93.97%115.44%830.89%383.75%431.66%292.55%186.18%
Leverage & Solvency
Interest Coverage Ratio 2.002.512.512.161.691.501.401.773.132.621.411.14
Times Interest Earned 2.002.512.512.161.691.501.401.773.132.621.411.14
Dividends & Payouts
FCF Payout Ratio 0.110.130.180.170.180.310.240.030.070.080.130.21
Valuation
Enterprise Value 35.35M42.65M56.16M57.06M65.91M68.25M65.44M51.99M102.39M114.86M36.72M106.75M
Market Capitalization 65.91M68.25M65.44M51.99M102.39M114.86M85.45M106.75M
Return Ratios
Return on Sales 0.13%0.13%0.13%0.12%1.03%1.10%1.07%1.05%2.53%2.84%1.97%0.90%