$62.8 M

PBHC Mkt cap, 22-Jan-2019

$9.8 M

Pathfinder Bancorp Revenue Q3, 2018
Pathfinder Bancorp Gross profit (Q3, 2018)7.3 M
Pathfinder Bancorp Gross profit margin (Q3, 2018), %75.1%
Pathfinder Bancorp EBIT (Q3, 2018)6.1 M
Pathfinder Bancorp Cash, 30-Sep-201836 M
Pathfinder Bancorp EV106.4 M

Pathfinder Bancorp Income Statement

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017

Revenue

19.7m25.6m28.3m33.6m

Revenue growth, %

30%10%

Cost of goods sold

2.7m3.8m6.3m

Gross profit

22.9m24.5m27.3m

Gross profit Margin, %

90%87%81%

Sales and marketing expense

518.0k730.0k809.0k

R&D expense

1.6m1.7m1.8m

Operating expense total

11.8m13.2m2.6m

EBIT

17.4m19.3m21.4m

EBIT margin, %

68%68%64%

Pre tax profit

4.0m4.4m4.3m

Income tax expense

1.1m1.1m922.0k

Net Income

2.8m2.9m

Pathfinder Bancorp Balance Sheet

Annual

USDFY, 2014FY, 2015FY, 2016FY, 2017

Cash

15.2m22.0m

Accounts Receivable

8.3m14.4m

Inventories

951.0k430.4m1.3m580.8m

PP&E

14.8m16.1m

Goodwill

4.5m4.5m

Total Assets

623.3m881.3m

Accounts Payable

2.1m490.3m3.3m723.6m

Short-term debt

24.8m30.6m

Long-term debt

16.5m43.3m

Total Debt

41.3m73.9m

Total Liabilities

552.0m819.1m

Additional Paid-in Capital

28.7m28.2m

Retained Earnings

33.2m39.0m

Total Equity

71.2m62.1m

Financial Leverage

8.8 x14.2 x

Pathfinder Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

2.4m2.8m

Depreciation and Amortization

716.0k817.0k1.0m1.0m1.1m

Accounts Receivable

Inventories

1.1m(136.0k)187.0k

Accounts Payable

(213.0k)292.0k626.0k

Cash From Operating Activities

5.1m5.0m6.3m6.4m6.8m

Cash From Investing Activities

(21.4m)(64.5m)(61.5m)(121.5m)(133.9m)

Short-term Borrowings

15.0m31.1m(30.3m)17.1m(11.3m)

Cash From Financing Activities

24.2m54.2m59.1m122.3m126.7m

Interest Paid

3.3m2.6m2.5m3.9m6.2m

Income Taxes Paid

967.0k631.0k1.2m970.0k945.0k

Quarterly

USDQ3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

757.0k537.0k

Depreciation and Amortization

605.0k234.0k474.0k773.0k237.0k466.0k775.0k251.0k511.0k778.0k282.0k587.0k882.0k

Cash From Operating Activities

3.1m1.3m3.5m4.3m489.0k3.3m4.1m520.0k3.4m4.4m1.5m5.1m6.0m

Cash From Investing Activities

(57.5m)(34.0m)(35.0m)(41.7m)(30.5m)(37.3m)(85.4m)(38.8m)(68.8m)(86.4m)(15.3m)(9.7m)(29.9m)

Short-term Borrowings

(10.0m)(23.1m)(7.1m)(39.9m)4.7m25.2m40.3m(21.0m)(411.0k)(7.9m)(10.0m)(4.0m)(28.6m)

Cash From Financing Activities

62.9m44.4m37.6m43.4m40.5m43.9m89.7m52.5m58.3m120.8m10.1m19.4m37.9m

Interest Paid

2.0m572.0k1.2m1.9m1.0m1.9m2.8m1.4m2.8m4.3m1.8m3.8m6.2m

Income Taxes Paid

331.0k2.0k462.0k842.0k513.0k970.0k210.0k760.0k125.0k645.0k662.0k

Pathfinder Bancorp Ratios

USDY, 2018

EV/EBIT

17.4 x

EV/CFO

17.8 x

Financial Leverage

14.5 x
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