Pathfinder Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
14.8318.4116.9220.9016.2014.519.787.2211.699.09121.2516.20
Price/Sales ratio
1.952.312.262.302.201.871.382.052.442.051.961.87
Price/Book Value ratio
0.590.750.951.011.010.680.540.811.020.700.880.88
Price/Cash Flow ratio
8.108.428.699.187.277.641.134.445.235.474.787.64
Price/Free Cash Flow ratio
15.2714.4511.0512.9119.8513.711.164.736.876.277.5613.71
Price/Earnings Growth ratio
1.433.920.94-3.300.52-0.820.210.06-0.37-0.3111.310.52
Dividend Yield
0.92%1.38%1.65%1.40%1.56%1.98%2.67%1.78%1.79%2.58%2.22%1.56%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%97.04%100%100%100%100%100%100%97.04%
Operating Profit Margin
31.24%28.84%33.45%39.20%46.01%16.41%21.62%36.39%52.16%28.61%1.85%16.41%
Pretax Profit Margin
18.96%17.45%18.01%15.91%15.38%16.44%21.87%36.63%33.80%28.61%4.72%16.44%
Net Profit Margin
13.16%12.59%13.37%11.01%13.61%12.90%14.17%28.39%20.94%22.56%1.61%12.90%
Effective Tax Rate
29.16%26.75%25.19%32.38%11.98%21.37%15.52%21.85%16.92%20.04%16.68%11.98%
Return on Assets
0.48%0.46%0.43%0.34%0.43%0.36%0.44%0.96%0.69%0.63%0.05%0.36%
Return On Equity
3.99%4.08%5.64%4.87%6.27%4.72%5.54%11.24%8.75%7.77%0.72%4.72%
Return on Capital Employed
1.28%1.10%1.15%1.25%1.52%0.46%0.67%1.24%1.80%0.87%0.07%0.46%
Liquidity Ratios
Current Ratio
0.200.210.240.240.010.003.70N/AN/AN/A19.930.01
Quick Ratio
7.5118.4112.6720.2317.196.2253.2321.734.250.3819.9317.19
Cash ratio
0.200.600.530.710.660.7810.312.940.580.380.580.78
Days of Sales Outstanding
32.3732.6637.7640.7337.8340.8743.5437.756.98KN/A6.09K37.83
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/A37.83N/AN/AN/AN/AN/A6.09K37.83
Days of Payables Outstanding
N/AN/AN/AN/A126.81N/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/A-88.98N/AN/AN/AN/AN/A6.09K-88.98
Debt Ratios
Debt Ratio
0.120.090.090.100.140.090.090.080.100.120.080.09
Debt Equity Ratio
1.030.791.271.442.081.191.240.961.311.521.081.19
Long-term Debt to Capitalization
0.190.300.350.480.590.470.540.460.430.320.360.47
Total Debt to Capitalization
0.500.440.560.590.670.540.550.490.560.600.510.54
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A0.76N/AN/AN/A0.07N/A
Cash Flow to Debt Ratio
0.070.110.080.070.060.070.380.180.140.080.170.06
Company Equity Multiplier
8.158.8012.9314.2714.5213.0912.5911.6512.6112.2612.3313.09
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.240.270.260.250.300.241.220.460.460.370.400.30
Free Cash Flow / Operating Cash Flow Ratio
0.530.580.780.710.360.550.970.930.760.870.630.36
Cash Flow Coverage Ratio
0.070.110.080.070.060.070.380.180.140.080.170.06
Short Term Coverage Ratio
0.090.250.150.220.230.3211.581.610.360.120.370.23
Dividend Payout Ratio
13.77%25.57%27.96%29.40%25.42%28.76%26.16%12.90%20.95%23.53%261.79%25.42%