Pathfinder Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Pathfinder Bancorp has total assets of $1.5B and total equity of $120.3M. Total deposits are $1.1B, and total loans are $881.2M earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 1.9% of total loans. Cash and short-term investments are $53.3M.
Key information
12.2x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$1.12b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.9% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$53.32m |
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 low allowance for bad loans (93%).
Low Risk Liabilities: 83% 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 (60%).
Low Risk Deposits: PBHC's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: PBHC has an appropriate level of bad loans (1.9%).