Pathfinder Bancorp Inc (NASDAQ:PBHC) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Pathfinder Bancorp Inc is a stock holding company. It is engaged in the attracting deposits and investing deposits in loans secured by one-to-four family residential real estate, commercial real estate, business assets and investment securities. Pathfinder Bancorp Inc has a market cap of $66.140 million; its shares were traded at around $15.45 with a P/E ratio of 21.45 and P/S ratio of 2.43. The dividend yield of Pathfinder Bancorp Inc stocks is 1.39%. Pathfinder Bancorp Inc had annual average EBITDA growth of 10.30% over the past ten years. GuruFocus rated Pathfinder Bancorp Inc the business predictability rank of 3.5-star.
For the last quarter Pathfinder Bancorp Inc reported a revenue of $7.19 million, compared with the revenue of $6.35 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $27.3 million, an increase of 11.6% from last year. For the last five years Pathfinder Bancorp Inc had an average revenue growth rate of 8.8% a year.
The reported diluted earnings per share was 72 cents for the year, a decline of 7.7% from the previous year. Over the last five years Pathfinder Bancorp Inc had an EPS growth rate of 7.4% a year. The Pathfinder Bancorp Inc had a decent operating margin of 15.91%, compared with the operating margin of 18.02% a year before. The 10-year historical median operating margin of Pathfinder Bancorp Inc is 18.10%. The profitability rank of the company is 6 (out of 10).
At the current stock price of $15.45, Pathfinder Bancorp Inc is traded at 28.3% premium to its historical median P/S valuation band of $12.04. The P/S ratio of the stock is 2.43, while the historical median P/S ratio is 1.90. The intrinsic value of the stock is $15.43 a share, according to GuruFocus DCF Calculator. The stock gained 7.32% during the past 12 months.
For the complete 20-year historical financial data of PBHC, click here.