$65.6 M

PBHC Mkt cap, 15-Oct-2018

$18.6 M

Pathfinder Bancorp Revenue Q2, 2018
Pathfinder Bancorp Gross profit (Q2, 2018)14.8 M
Pathfinder Bancorp Gross profit margin (Q2, 2018), %79.3%
Pathfinder Bancorp EBIT (Q2, 2018)12 M
Pathfinder Bancorp Cash, 30-Jun-201836.7 M
Pathfinder Bancorp EV112.9 M

Pathfinder Bancorp Income Statement

Annual

USDFY, 2014FY, 2015FY, 2016

Revenue

19.7m25.6m28.3m

Revenue growth, %

30%10%

Cost of goods sold

2.7m3.8m

Gross profit

22.9m24.5m

Gross profit Margin, %

90%87%

Sales and marketing expense

10.2m11.5m

R&D expense

1.6m1.7m

Operating expense total

11.8m13.2m

EBIT

17.4m19.3m

EBIT margin, %

68%68%

Pre tax profit

4.0m4.4m

Income tax expense

1.1m1.1m

Net Income

2.8m2.9m

Quarterly

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

Revenue

6.3m6.6m6.7m6.9m7.2m7.8m8.1m9.1m18.6m

Cost of goods sold

623.0k652.0k872.0k873.0k952.0k1.4m1.5m1.8m3.9m

Gross profit

5.6m6.0m5.8m6.0m6.3m6.5m6.6m7.3m14.8m

Gross profit Margin, %

90%90%87%87%87%82%82%80%79%

Sales and marketing expense

2.5m2.6m2.8m2.8m2.8m3.0m3.0m191.0k476.0k

R&D expense

354.0k462.0k422.0k419.0k474.0k427.0k416.0k479.0k955.0k

Operating expense total

2.8m3.1m3.2m3.3m3.3m3.5m3.4m5.5m11.6m

EBIT

4.3m4.6m4.6m4.8m5.0m5.1m5.2m5.8m12.0m

EBIT margin, %

68%69%69%70%69%65%63%63%64%

Pre tax profit

998.0k1.2m928.0k1.1m1.1m1.1m1.2m1.2m2.3m

Income tax expense

290.0k316.0k273.0k225.0k322.0k245.0k238.0k182.0k348.0k

Net Income

757.0k537.0k

Pathfinder Bancorp Balance Sheet

Annual

USDFY, 2014FY, 2016

Accounts Receivable

8.3m14.4m

Inventories

951.0k1.3m

Accounts Payable

2.1m3.3m

Quarterly

USDQ1, 2018Q2, 2018

Cash

18.3m36.7m

Inventories

608.0m607.2m

PP&E

16.8m16.7m

Goodwill

4.5m4.5m

Total Assets

891.1m903.5m

Accounts Payable

743.8m733.2m

Short-term debt

20.6m26.6m

Long-term debt

43.3m57.5m

Total Debt

63.9m84.1m

Total Liabilities

828.7m840.6m

Additional Paid-in Capital

28.4m28.6m

Retained Earnings

39.8m40.5m

Total Equity

62.4m62.9m

Financial Leverage

14.3 x14.4 x

Pathfinder Bancorp Cash Flow

Annual

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

Net Income

2.4m2.8m

Depreciation and Amortization

716.0k817.0k1.0m1.0m

Accounts Receivable

Inventories

1.1m(136.0k)187.0k

Accounts Payable

(213.0k)292.0k626.0k

Cash From Operating Activities

5.1m5.0m6.3m6.4m

Cash From Investing Activities

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

Short-term Borrowings

15.0m31.1m(30.3m)17.1m

Cash From Financing Activities

24.2m54.2m59.1m122.3m

Interest Paid

3.3m2.6m2.5m3.9m

Income Taxes Paid

967.0k631.0k1.2m970.0k

Quarterly

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

Net Income

757.0k537.0k

Depreciation and Amortization

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

Cash From Operating Activities

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

Cash From Investing Activities

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

Short-term Borrowings

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

Cash From Financing Activities

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

Interest Paid

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

Income Taxes Paid

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

Pathfinder Bancorp Ratios

USDY, 2018

EV/EBIT

9.4 x

EV/CFO

22.4 x

Financial Leverage

14.4 x
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