Pathfinder Bancorp operates as a holding company for Pathfinder Bank that provides various banking and financial products and services. It accepts various deposits. The Company's loan portfolio comprises different types of lending, including commercial real estate loans, small business loans, consumer loans, commercial and municipal loans, home equity loans, and junior liens.

Type
Public
HQ
Oswego, US
Founded
1859
Size (employees)
128 (est)+4%
Pathfinder Bancorp was founded in 1859 and is headquartered in Oswego, US
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Pathfinder Bancorp Office Locations

Pathfinder Bancorp has an office in Oswego
Oswego, US (HQ)
214 W 1st St
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Pathfinder Bancorp Financials and Metrics

Pathfinder Bancorp Financials

Pathfinder Bancorp's revenue was reported to be $28.28 m in FY, 2016 which is a 10.5% increase from the previous period.
USD

Revenue (Q1, 2018)

9.1 m

Gross profit (Q1, 2018)

7.3 m

Gross profit margin (Q1, 2018), %

80.1%

EBIT (Q1, 2018)

5.8 m

Market capitalization (14-Jun-2018)

68 m

Closing share price (14-Jun-2018)

15.8

Cash (31-Mar-2018)

18.3 m

EV

113.6 m
Pathfinder Bancorp's current market capitalization is $68 m.
Annual
USDFY, 2014FY, 2015FY, 2016

Revenue

19.7 m25.6 m28.3 m

Revenue growth, %

30%10%

Cost of goods sold

2.7 m3.8 m

Gross profit

22.9 m24.5 m
Quarterly
USDQ3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Revenue

6.3 m6.6 m6.7 m6.9 m7.2 m7.8 m8.1 m9.1 m

Cost of goods sold

623 k652 k872 k873 k952 k1.4 m1.5 m1.8 m

Gross profit

5.6 m6 m5.8 m6 m6.3 m6.5 m6.6 m7.3 m

Gross profit Margin, %

90%90%87%87%87%82%82%80%
Annual
USDFY, 2014FY, 2016

Accounts Receivable

8.3 m14.4 m

Inventories

951 k1.3 m

Accounts Payable

2.1 m3.3 m
Quarterly
USDQ1, 2018

Cash

18.3 m

Inventories

608 m

PP&E

16.8 m

Goodwill

4.5 m
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

2.4 m2.8 m

Depreciation and Amortization

716 k817 k1 m1 m

Inventories

1.1 m(136 k)187 k

Accounts Payable

(213 k)292 k626 k
Quarterly
USDQ3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Net Income

757 k537 k

Depreciation and Amortization

605 k234 k474 k773 k237 k466 k775 k251 k511 k282 k

Cash From Operating Activities

3.1 m1.3 m3.5 m4.3 m489 k3.3 m4.1 m520 k3.4 m1.5 m

Cash From Investing Activities

(57.5 m)(34 m)(35 m)(41.7 m)(30.5 m)(37.3 m)(85.4 m)(38.8 m)(68.8 m)(15.3 m)
USDY, 2018

EV/EBIT

19.7 x

EV/CFO

77.3 x

Financial Leverage

14.3 x
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Pathfinder Bancorp Online and Social Media Presence

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