Pathfinder Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Pathfinder Bancorp has total assets of $1.5B and total equity of $121.1M. Total deposits are $1.2B, and total loans are $904.4M. It earns a Net Interest Margin of 3%. It has sufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are $36.4M.
Key information
12.2x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$1.20b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$36.38m |
Recent financial health updates
No updates
Recent updates
Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year
Apr 05
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09
Apr 07Pathfinder declares $0.09 dividend
Sep 26Pathfinder GAAP EPS of $0.54, revenue of $11.25M
Aug 01Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year
Mar 31Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year
Jul 01Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now
May 29Pathfinder reports Q1 results
May 03Here's Why I Think Pathfinder Bancorp (NASDAQ:PBHC) Might Deserve Your Attention Today
Mar 23You Have To Love Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) Dividend
Feb 15Pathfinder reports Q4 results
Feb 01Pathfinder declares $0.06 dividend
Dec 21Pathfinder Bancorp (NASDAQ:PBHC) Share Prices Have Dropped 29% In The Last Three Years
Dec 21Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBHC's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: PBHC has a sufficient allowance for bad loans (107%).
Low Risk Liabilities: 88% of PBHC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBHC has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: PBHC's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: PBHC has an appropriate level of bad loans (1.8%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/29 02:56 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Pathfinder Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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