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Pathfinder Bancorp (PBHC) Ratios
Pathfinder Bancorp Ratios
PBHC's free cash flow for Q2 2026 was $2.78M. For the 2026 fiscal year, PBHC's free cash flow was increased by $248.00K and operating cash flow was $2.53M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 26.41 | 0.24 | 0.25 | 0.20 | 0.22 |
| Quick Ratio | 26.41 | 0.24 | 0.25 | 0.20 | 0.22 |
| Cash Ratio | 0.26 | 0.02 | 0.04 | 0.03 | 0.03 |
| Solvency Ratio | -0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.26 | 0.01 | 0.01 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.26 | 0.18 | 0.12 | 0.36 | 1.61 |
| Net Current Asset Value | $ -142.29M | $ -1.05B | $ -1.03B | $ -1.06B | $ -942.28M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.09 | 0.14 | 0.11 | 0.09 |
| Debt-to-Equity Ratio | 0.89 | 1.12 | 1.77 | 1.37 | 0.99 |
| Debt-to-Capital Ratio | 0.47 | 0.53 | 0.64 | 0.58 | 0.50 |
| Long-Term Debt-to-Capital Ratio | 0.27 | 0.32 | 0.40 | 0.43 | 0.46 |
| Financial Leverage Ratio | 11.78 | 12.14 | 12.27 | 12.62 | 11.65 |
| Debt Service Coverage Ratio | -0.01 | 0.06 | 0.07 | 0.20 | 0.72 |
| Interest Coverage Ratio | -0.13 | 0.14 | 0.41 | 1.62 | 2.13 |
| Debt to Market Cap | 1.01 | 1.11 | 3.15 | 1.67 | 1.39 |
| Interest Debt Per Share | 22.18 | 28.53 | 51.65 | 35.59 | 26.18 |
| Net Debt to EBITDA | -56.50 | 16.15 | 12.41 | 7.16 | 4.07 |
| Profitability Margins | |||||
| Gross Profit Margin | 38.52% | 42.09% | 55.90% | 77.91% | 83.24% |
| EBIT Margin | -5.17% | 6.18% | 16.41% | 27.84% | 31.37% |
| EBITDA Margin | -2.14% | 7.78% | 18.27% | 29.08% | 34.93% |
| Operating Profit Margin | -5.17% | 6.18% | 16.41% | 27.84% | 31.37% |
| Pretax Profit Margin | -5.17% | 6.18% | 16.41% | 27.84% | 31.37% |
| Net Profit Margin | -4.32% | 4.05% | 12.94% | 22.95% | 24.31% |
| Continuous Operations Profit Margin | -4.32% | 5.78% | 13.12% | 23.13% | 24.51% |
| Net Income Per EBT | 83.48% | 65.56% | 78.86% | 82.43% | 77.50% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | -0.24% | 0.23% | 0.63% | 0.92% | 0.97% |
| Return on Equity (ROE) | -2.82% | 2.78% | 7.78% | 11.65% | 11.25% |
| Return on Capital Employed (ROCE) | -0.30% | 2.47% | 5.41% | 7.34% | 7.37% |
| Return on Invested Capital (ROIC) | -0.28% | 1.79% | 2.74% | 4.76% | 5.45% |
| Return on Tangible Assets | -0.24% | 0.23% | 0.64% | 0.93% | 0.97% |
| Earnings Yield | -3.85% | 3.17% | 14.26% | 14.82% | 16.14% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.09 | 12.13 | 9.86 | 9.14 | 11.29 |
| Payables Turnover | 114.76 | 88.54 | 14.11 | 12.77 | 80.70 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.26 | 2.25 | 2.99 | 2.33 | 2.14 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | 0.99 | -0.09 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | 4025.35 | 25.96 | 11.16 | 11.36 | 27.81 |
| Days of Sales Outstanding | 4028.53 | 30.09 | 37.03 | 39.95 | 32.33 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 3.18 | 4.12 | 25.87 | 28.59 | 4.52 |
| Operating Cycle | 4028.53 | 30.09 | 37.03 | 39.95 | 32.33 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.79 | 1.84 | 3.32 | 4.77 | 4.50 |
| Free Cash Flow Per Share | 1.59 | 0.47 | 2.89 | 3.62 | 4.23 |
| Dividend Paid and CapEx Coverage Ratio | 3.03 | 1.05 | 3.72 | 3.00 | 7.16 |
| Capital Expenditure Coverage Ratio | 8.95 | 1.35 | 7.85 | 4.17 | 16.63 |
| Operating Cash Flow Coverage Ratio | 0.11 | 0.08 | 0.07 | 0.14 | 0.18 |
| Operating Cash Flow to Sales Ratio | 0.14 | 0.13 | 0.21 | 0.39 | 0.39 |
| Free Cash Flow Yield | 11.28% | 2.70% | 20.66% | 18.94% | 24.64% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -26.13 | 41.67 | 7.01 | 6.75 | 6.20 |
| Price-to-Sales (P/S) Ratio | 1.12 | 1.28 | 0.91 | 1.55 | 1.51 |
| Price-to-Book (P/B) Ratio | 0.73 | 0.88 | 0.55 | 0.79 | 0.70 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.87 | 37.08 | 4.84 | 5.28 | 4.06 |
| Price-to-Operating Cash Flow Ratio | 7.88 | 9.51 | 4.22 | 4.02 | 3.81 |
| Price-to-Earnings Growth (PEG) Ratio | 0.11 | -0.58 | -0.24 | 2.33 | 0.08 |
| Enterprise Value Multiple | -108.91 | 32.57 | 17.38 | 12.48 | 8.38 |
| Enterprise Value | 184.50M | 211.58M | 228.06M | 204.55M | 149.44M |
| EV to EBITDA | -108.91 | 32.57 | 17.38 | 12.48 | 8.38 |
| EV to Sales | 2.33 | 2.53 | 3.18 | 3.63 | 2.93 |
| EV to Free Cash Flow | 18.42 | 73.57 | 16.94 | 12.38 | 7.89 |
| EV to Operating Cash Flow | 16.36 | 18.88 | 14.78 | 9.41 | 7.41 |
| Tangible Book Value Per Share | 17.57 | 18.12 | 24.85 | 23.46 | 23.67 |
| Shareholders’ Equity Per Share | 19.22 | 19.93 | 25.68 | 24.35 | 24.63 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.06 | 0.20 | 0.17 | 0.22 |
| Revenue Per Share | 12.58 | 13.70 | 15.44 | 12.36 | 11.40 |
| Net Income Per Share | -0.54 | 0.56 | 2.00 | 2.84 | 2.77 |
| Tax Burden | 0.83 | 0.66 | 0.79 | 0.82 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.23 | 0.23 | 0.30 | 0.30 |
| Stock-Based Compensation to Revenue | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| Income Quality | 4.33 | 3.31 | 1.66 | 1.68 | 1.62 |
Currency in USD