PBHC - Intrinsic Value and Financial Analysis - Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. PBHC

Financial Services - Banks - Regional - NASDAQ - US

Watchlist

$ 17.6

3.04 %

$ 107 M

Market Cap

55.0

P/E

BALANCE SHEET

1.47 B ASSETS

Growth Rates

1Year 4.66%

3Years 6.09%

5Years 9.45%

7Years 10.07%

10Years 11.27%

1.35 B LIABILITIES

Growth Rates

1Year 4.39%

3Years 5.99%

5Years 9.15%

7Years 9.99%

10Years 11.30%

119 M EQUITY

Growth Rates

1Year 7.66%

3Years 7.03%

5Years 13.22%

7Years 10.90%

10Years 10.84%

BALANCE SHEET DECOMPOSITION

Balance Sheet Decomposition Pathfinder Bancorp, Inc.

1.47 B ASSETS
1.35 B LIABILITIES

Current Assets	48.7 M
Cash & Short-Term Investments	271 M
Receivables	0
Other Current Assets	-222 M
Non-Current Assets	1.42 B
Long-Term Investments	441 M
PP&E	24 M
Other Non-Current Assets	952 M

Current Liabilities	667 M
Accounts Payable	2.24 M
Short-Term Debt	149 M
Other Current Liabilities	516 M
Non-Current Liabilities	1.35 B
Long-Term Debt	63.1 M
Other Non-Current Liabilities	1.28 B

Balance Sheet

Millions

	Dec-2023	Dec-2022	Dec-2021	Dec-2020	Dec-2019	Dec-2018	Dec-2017	Dec-2016	Dec-2015	Dec-2014	Dec-2013	Dec-2012	Dec-2011	Dec-2010	Dec-2009	Dec-2008	Dec-2007	Dec-2006	Dec-2005	Dec-2004	Dec-2003	Dec-2002	Dec-2001	Dec-2000	Dec-1999	Dec-1998	Dec-1997	Dec-1996
ASSETS
Cash & Cash Equivalents	48.7	35.3	37.1	43.5	20.2	26.3	22.0	22.4	15.2	11.4	17.1	10.7	12.2	13.8	14.6	7.7	10.2	13.7	7.9	14.3	8.7	13.7	7.4	4.2	4.3	6.5	4.3	8.4
Short Term Investments	258.7	191.7	190.6	128.3	111.1	177.7	171.1	142.0	98.9	88.1	81.0	108.3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Receivables	0	888.6	4.5	4.5	3.7	3.1	3.0	2.5	2.1	1.8	1.7	1.7	1.7	1.7	1.5	1.7	1.7	1.7	1.7	1.5	1.3	1.3	1.5	1.7	1.4	1.2	1.4	1.5
Inventory	0	837.7	(41.7)	(48.0)	(24.0)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Assets	0	0	0	0	0	468.7	426.9	365.6	344.2	313.1	272.5	234.8	314.1	294.5	271.8	260.0	232.1	211.7	200.9	199.1	199.1	190.9	0	0	0	0	0	0
Total Current Assets	48.7	1 094.3	232.3	176.3	135.0	675.8	623.1	532.5	460.4	414.3	372.2	355.5	328.0	309.9	287.9	269.3	244.0	227.1	210.4	214.9	209.0	206.0	8.9	5.8	5.7	7.7	5.8	9.8
PP&E	24.0	24.2	23.8	24.5	25.1	20.6	16.1	15.2	14.8	13.2	11.6	10.1	10.7	9.4	7.2	7.5	7.8	7.6	8.0	7.6	6.7	5.6	4.9	4.6	4.9	4.5	4.5	4.1
Intangible Assets	85 K	0.1	0.1	0.1	0.1	0.2	0.2	0.2	0.2	0.2	0.2	2 K	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Goodwill	4.5	4.5	4.5	4.5	4.5	4.5	4.5	4.5	4.5	4.4	4.4	3.8	3.8	3.8	3.8	0	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	441.2	388.0	352.2	301.3	234.7	232.0	237.3	196.6	143.2	128.9	115.4	108.3	100.4	85.3	72.8	72.1	65.0	62.6	74.2	75.1	57.6	62.5	53.4	63.8	66.4	53.4	0	0
Other Long Term Assets	947.2	(398.0)	(5.5)	(6.0)	(4.2)	(4.7)	(3.9)	(5.4)	(3.7)	535.8	472.6	(13.9)	0	0	0	3.8	3.8	4.0	4.2	4.5	4.7	4.9	(60.7)	(71.0)	(74.3)	(61.2)	(8.1)	(8.0)
Other Assets	0	277.4	672.6	720.9	785.0	0	0	0	0	0	0	0	0	0	0.2	0	0	0	0	0	0	0	174.8	155.0	136.3	134.5	182.9	172.1
Total Assets	1 465.8	1 400.5	1 285.5	1 227.7	1 184.5	933.1	881.3	749.0	623.3	561.0	503.8	477.8	443.0	408.5	371.8	352.8	320.7	301.4	296.9	302.0	277.9	279.1	244.4	231.8	216.3	203.4	196.8	189.9
LIABILITIES
Accounts Payable	2.2	1.0	0.1	0.2	0.4	0.3	0.2	75 K	0.2	63 K	86 K	0.1	0.1	0.1	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Term Debt	148.7	60.3	12.5	4.0	25.1	39.0	30.6	41.9	24.8	55.1	24.0	18.1	0	13.0	0	23.0	25.0	0	7.4	6.0	2.1	0	0	0	0	0	0	0
Other Current Liabilities	(150.9)	(61.3)	(0.1)	(0.2)	(25.5)	(39.3)	(30.8)	75 K	(25.0)	63 K	(24.1)	(18.2)	(0.1)	(13.1)	0	(23.0)	(25.0)	0	(7.4)	(6.0)	(2.1)	0	0	0	0	0	0	0
Total Current Liabilities	667.4	60.3	12.6	4.2	25.5	39.3	30.8	42.0	25.0	55.2	24.1	9.1	0.1	13.0	0	17.6	18.4	0	2.0	1.0	2.1	0	0	0	0	0	0	0
Long Term Debt	63.1	92.2	97.2	120.0	85.8	94.6	58.3	32.0	31.5	16.2	22.0	31.1	31.2	33.2	41.2	34.2	18.6	31.5	29.1	34.5	43.9	47.9	49.4	47.2	42.9	18.7	18.7	8.1
Deferred Tax Income	0	6.3	5.4	5.2	4.4	3.9	3.4	4.7	4.1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	1 282.5	1 135.8	1 064.8	1 005.7	917.4	735.0	730.2	616.7	495.7	420.6	(22.0)	0	(31.2)	(33.2)	(41.2)	(34.2)	(18.6)	(31.5)	(29.1)	(34.5)	(43.9)	(47.9)	(49.4)	(47.2)	(42.9)	(18.7)	(18.7)	(8.1)
Total Liabilities	1 345.5	1 288.9	1 174.9	1 130.0	1 093.8	868.7	819.5	691.1	552.4	492.2	461.1	437.0	405.1	378.0	342.6	333.3	299.0	280.5	276.0	280.2	256.2	255.8	49.4	47.2	42.9	18.7	18.7	8.1
EQUITY
Common Stock	61 K	61 K	60 K	45 K	47 K	44 K	43 K	43 K	44 K	44 K	30 K	30 K	30 K	30 K	30 K	30 K	30 K	29 K	29 K	29 K	29.2 K	29.1 K	28.9 K	0.3	0.3	0	0.3	1.9
Retained Earnings	76.1	71.3	60.9	50.3	44.8	42.1	39.0	35.6	33.2	31.1	28.8	26.7	24.6	24.2	22.4	21.2	21.7	21.3	21.0	21.2	20.7	19.7	19.0	17.9	18.1	17.8	17.2	15.8
Other Accumulative Comprehensive Income/Loss	(9.7)	(12.2)	(1.3)	(2.2)	(3.0)	(6.0)	(4.2)	(3.8)	(2.6)	(2.1)	(1.7)	(1.3)	(2.7)	(1.9)	(1.4)	(3.1)	(1.5)	(1.8)	(1.3)	(0.3)	0.3	0.2	92.5 K	(0.2)	(2.2)	0	0	0
Total Equity	120.3	111.6	110.6	97.7	90.7	64.5	62.1	58.4	71.2	69.2	43.1	40.7	37.8	30.6	29.2	19.5	21.7	20.9	20.9	21.8	21.8	23.2	22.2	21.0	20.1	22.3	23.6	21.4
Total Liabilities and Equity	1 465.8	1 400.5	1 285.5	1 227.7	1 184.5	933.1	881.3	749.0	623.3	561.0	503.8	477.8	443.0	408.5	371.8	352.8	320.7	301.4	296.9	302.0	277.9	279.1	244.4	231.8	216.3	203.4	196.8	189.9
SHARES OUTSTANDING
Common Shares Outstanding	8.0	5.9	5.2	4.6	4.5	4.2	4.1	4.1	4.1	4.2	4.1	4.1	4.1	4.1	4.1	4.1	4.1	4.0	4.0	4.0	4.0	4.2	4.3	4.2	4.4	4.5	7.1	7.0

Balance Sheet

Premium Plan

Unlimited Plan