Pathfinder Bancorp Ratios (2017-2025) | PBHC

Ratios Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
EBT Margin 16.66%154.05%170.93%90.11%143.91%117.25%136.01%124.21%95.27%74.98%159.78%216.83%124.16%207.79%157.76%142.68%218.75%328.67%375.32%375.51%314.38%357.47%333.11%362.89%248.26%230.03%256.92%290.91%227.31%212.35%-395.15%530.54%472.43%4.00%63.82%
EBIT Margin 38.00%347.49%370.40%312.01%358.82%342.42%428.21%423.56%474.15%403.67%510.13%547.24%307.12%471.22%339.40%327.46%408.86%485.67%532.00%485.38%442.55%509.40%551.85%717.22%625.02%862.63%963.60%1,132.87%1,001.26%1,025.13%251.06%1,374.54%1,492.76%884.84%836.47%
EBITDA Margin 38.00%347.49%370.40%312.01%358.82%342.42%428.21%423.56%474.15%403.67%510.13%547.24%307.12%471.22%339.40%327.46%408.86%485.67%532.00%485.38%442.55%509.40%551.85%717.22%625.02%862.63%963.60%1,132.87%1,001.26%1,025.13%251.06%1,374.54%1,492.76%884.84%836.47%
Net Margin 12.43%118.40%118.25%101.77%118.82%103.85%118.25%119.63%62.38%47.54%100.50%143.63%74.16%132.26%96.49%107.46%132.96%190.84%214.55%219.14%187.39%216.08%200.92%244.75%145.51%137.47%152.74%176.31%134.96%129.05%-240.20%273.25%286.91%2.63%45.20%
FCF Margin -4.26%328.06%57.37%253.47%61.30%370.77%-10.20%-56.38%-344.54%342.90%290.37%84.60%2,128.70%174.98%319.95%114.64%244.45%394.57%589.11%324.42%293.23%218.28%401.01%839.13%436.23%-425.62%379.94%746.83%23.03%54.26%773.52%-285.61%642.95%-416.95%657.36%
Efficiency
Invested Capital 53.03M
Leverage & Solvency
Interest Coverage Ratio 1.781.801.861.411.671.521.471.411.251.231.461.661.681.791.871.772.153.093.404.423.453.352.522.021.661.361.361.351.291.260.391.631.461.001.08
Times Interest Earned 1.781.801.861.411.671.521.471.411.251.231.461.661.681.791.871.772.153.093.404.423.453.352.522.021.661.361.361.351.291.260.391.631.461.001.08
Dividends & Payouts
FCF Payout Ratio -0.770.080.510.110.480.07-3.00-0.50-0.090.080.090.320.010.150.070.180.100.070.050.060.120.170.090.050.07-0.090.100.051.720.740.04-0.150.09-0.120.07
Valuation
Enterprise Value 25.39M66.92M65.23M65.91M66.33M68.70M65.43M68.25M57.25M68.30M63.24M65.44M50.72M45.35M48.96M51.99M66.52M72.73M96.27M102.39M131.52M119.25M122.02M114.86M104.17M85.36M83.77M36.72M75.52M80.46M-53.28M106.75M101.01M94.21M96.69M
Market Capitalization 66.92M65.23M65.91M66.33M68.70M65.43M68.25M57.25M68.30M63.24M65.44M50.72M45.35M48.96M51.99M66.52M72.73M96.27M102.39M131.52M119.25M122.02M114.86M104.17M85.36M83.77M85.45M75.52M80.46M96.56M106.75M101.01M94.21M96.69M
Return Ratios
Return on Sales 0.38%1.09%1.03%1.03%1.10%0.96%0.84%0.89%1.07%1.11%1.35%1.34%1.05%1.25%1.47%1.86%2.54%2.74%2.82%2.76%2.84%2.67%2.42%2.26%1.97%1.92%1.90%0.36%0.90%1.16%0.75%2.19%