Pathfinder Historical Balance Sheet

PBHC Stock

USD 15.21 0.18 1.20%

Trend analysis of Pathfinder Bancorp balance sheet accounts such as Total Stockholder Equity of 127.6 M, Property Plant And Equipment Net of 38.9 M, Net Debt of 55.7 M or Retained Earnings of 81.7 M provides information on Pathfinder Bancorp's total assets, liabilities, and equity, which is the actual value of Pathfinder Bancorp to its prevalent stockholders. By breaking down trends over time using Pathfinder Bancorp balance sheet statements, investors will see what precisely the company owns and what it owes to creditors or other parties at the end of each accounting year.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Pathfinder Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Pathfinder Bancorp is a good buy for the upcoming year.

Pathfinder Bancorp Inventory

(583.97 Million)

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Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

About Pathfinder Balance Sheet Analysis

Balance Sheet is a snapshot of the financial position of Pathfinder Bancorp at a specified time, usually calculated after every quarter, six months, or one year. Pathfinder Bancorp Balance Sheet has two main parts: assets and liabilities. Liabilities are the debts or obligations of Pathfinder Bancorp and are divided into current liabilities and long term liabilities. An asset, on the other hand, is anything of value that can be converted into cash and which Pathfinder currently owns. An asset can also be divided into two categories, current and non-current.

Pathfinder Bancorp Balance Sheet Chart

At present, Pathfinder Bancorp's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 1.3 B, whereas Short and Long Term Debt Total is forecasted to decline to about 74.4 M.

Total Assets Short Long Term Debt Total Other Current Liab Total Current Liabilities

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Total Assets

Total assets refers to the total amount of Pathfinder Bancorp assets owned. Assets are items that have some economic value and are expended over time to create a benefit for the owner. These assets are usually recorded in Pathfinder Bancorp books under different categories such as cash, marketable securities, accounts receivable,prepaid expenses, inventory, fixed assets, intangible assets, other assets, marketable securities, accounts receivable, prepaid expenses and others. The total value of all owned resources that are expected to provide future economic benefits to the business, including cash, investments, accounts receivable, inventory, property, plant, equipment, and intangible assets.

Total Current Liabilities

Total Current Liabilities is an item on Pathfinder Bancorp balance sheet that include short term debt, accounts payable, accrued salaries payable, payroll taxes payable, accrued liabilities and other debts. Total Current Liabilities of Pathfinder Bancorp are important to investors because some useful performance ratios such as Current Ratio and Quick Ratio require Total Current Liabilities to be accurate. The total amount of liabilities that a company is expected to pay within one year, including debts, accounts payable, and other short-term financial obligations.

Most accounts from Pathfinder Bancorp's balance sheet are interrelated and interconnected. However, analyzing balance sheet accounts one by one will only give a small insight into Pathfinder Bancorp current financial condition. On the other hand, looking into the entire matrix of balance sheet accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.At present, Pathfinder Bancorp's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 1.3 B, whereas Short and Long Term Debt Total is forecasted to decline to about 74.4 M.

	2022	2023	2024	2025 (projected)
Short and Long Term Debt Total	152.6M	211.6M	136.5M	74.4M
Total Assets	1.4B	1.5B	1.5B	1.5B

Short Long Term Debt Total Total Assets

Pathfinder Bancorp balance sheet Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Common Stock	Other Liab	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Inventory
Total Assets		0.82	1.0	1.0	0.97	0.93	0.79	0.97	0.79	1.0	0.6	-0.3	0.92	0.96	-0.12	0.8	0.95	1.0	0.92	-0.42	0.78	-0.44	0.73	0.71	0.89	-0.31
Short Long Term Debt Total	0.82		0.79	0.81	0.77	0.63	0.99	0.77	0.89	0.81	0.46	-0.17	0.76	0.77	-0.05	0.82	0.79	0.82	0.76	-0.41	0.8	-0.42	0.76	0.64	0.71	-0.19
Other Current Liab	1.0	0.79		1.0	0.96	0.94	0.76	0.97	0.77	0.99	0.59	-0.29	0.92	0.95	-0.12	0.8	0.94	1.0	0.92	-0.42	0.78	-0.44	0.73	0.7	0.89	-0.3
Total Current Liabilities	1.0	0.81	1.0		0.97	0.93	0.79	0.98	0.78	0.99	0.6	-0.31	0.93	0.96	-0.12	0.78	0.94	1.0	0.93	-0.42	0.77	-0.44	0.7	0.71	0.9	-0.32
Total Stockholder Equity	0.97	0.77	0.96	0.97		0.92	0.75	0.96	0.73	0.97	0.58	-0.37	0.87	0.93	-0.12	0.71	0.96	0.96	0.87	-0.42	0.73	-0.44	0.62	0.71	0.85	-0.34
Property Plant And Equipment Net	0.93	0.63	0.94	0.93	0.92		0.62	0.92	0.57	0.92	0.54	-0.28	0.87	0.89	-0.11	0.66	0.88	0.93	0.88	-0.41	0.69	-0.43	0.57	0.71	0.87	-0.44
Net Debt	0.79	0.99	0.76	0.79	0.75	0.62		0.75	0.82	0.79	0.43	-0.16	0.74	0.75	-0.06	0.78	0.77	0.8	0.74	-0.42	0.77	-0.42	0.71	0.65	0.71	-0.19
Retained Earnings	0.97	0.77	0.97	0.98	0.96	0.92	0.75		0.72	0.96	0.66	-0.46	0.94	0.98	-0.06	0.67	0.89	0.97	0.94	-0.35	0.7	-0.38	0.58	0.65	0.92	-0.37
Cash	0.79	0.89	0.77	0.78	0.73	0.57	0.82	0.72		0.79	0.47	-0.2	0.69	0.74	0.01	0.86	0.75	0.79	0.7	-0.32	0.77	-0.33	0.82	0.55	0.63	-0.17
Non Current Assets Total	1.0	0.81	0.99	0.99	0.97	0.92	0.79	0.96	0.79		0.61	-0.29	0.88	0.94	-0.1	0.82	0.96	0.99	0.88	-0.4	0.79	-0.42	0.75	0.69	0.85	-0.26
Non Currrent Assets Other	0.6	0.46	0.59	0.6	0.58	0.54	0.43	0.66	0.47	0.61		-0.68	0.49	0.73	0.57	0.39	0.59	0.6	0.5	0.46	0.29	0.44	0.38	-0.05	0.46	-0.23
Other Assets	-0.3	-0.17	-0.29	-0.31	-0.37	-0.28	-0.16	-0.46	-0.2	-0.29	-0.68		-0.28	-0.54	-0.45	0.02	-0.24	-0.29	-0.29	-0.35	-0.11	-0.34	0.08	0.23	-0.27	0.32
Cash And Short Term Investments	0.92	0.76	0.92	0.93	0.87	0.87	0.74	0.94	0.69	0.88	0.49	-0.28		0.91	-0.2	0.64	0.79	0.92	1.0	-0.49	0.68	-0.51	0.56	0.71	1.0	-0.46
Net Receivables	0.96	0.77	0.95	0.96	0.93	0.89	0.75	0.98	0.74	0.94	0.73	-0.54	0.91		0.03	0.67	0.88	0.95	0.92	-0.25	0.69	-0.27	0.59	0.55	0.89	-0.4
Common Stock Shares Outstanding	-0.12	-0.05	-0.12	-0.12	-0.12	-0.11	-0.06	-0.06	0.01	-0.1	0.57	-0.45	-0.2	0.03		-0.08	-0.07	-0.13	-0.2	0.78	-0.06	0.79	-0.09	-0.47	-0.21	-0.1
Non Current Liabilities Total	0.8	0.82	0.8	0.78	0.71	0.66	0.78	0.67	0.86	0.82	0.39	0.02	0.64	0.67	-0.08		0.78	0.81	0.64	-0.39	0.87	-0.4	0.98	0.57	0.58	-0.03
Other Stockholder Equity	0.95	0.79	0.94	0.94	0.96	0.88	0.77	0.89	0.75	0.96	0.59	-0.24	0.79	0.88	-0.07	0.78		0.94	0.79	-0.34	0.73	-0.36	0.7	0.68	0.76	-0.25
Total Liab	1.0	0.82	1.0	1.0	0.96	0.93	0.8	0.97	0.79	0.99	0.6	-0.29	0.92	0.95	-0.13	0.81	0.94		0.92	-0.42	0.78	-0.44	0.74	0.71	0.89	-0.31
Total Current Assets	0.92	0.76	0.92	0.93	0.87	0.88	0.74	0.94	0.7	0.88	0.5	-0.29	1.0	0.92	-0.2	0.64	0.79	0.92		-0.48	0.68	-0.5	0.56	0.71	1.0	-0.46
Common Stock	-0.42	-0.41	-0.42	-0.42	-0.42	-0.41	-0.42	-0.35	-0.32	-0.4	0.46	-0.35	-0.49	-0.25	0.78	-0.39	-0.34	-0.42	-0.48		-0.53	1.0	-0.31	-0.84	-0.49	0.04
Other Liab	0.78	0.8	0.78	0.77	0.73	0.69	0.77	0.7	0.77	0.79	0.29	-0.11	0.68	0.69	-0.06	0.87	0.73	0.78	0.68	-0.53		-0.54	0.78	0.66	0.65	-0.12
Accounts Payable	-0.44	-0.42	-0.44	-0.44	-0.44	-0.43	-0.42	-0.38	-0.33	-0.42	0.44	-0.34	-0.51	-0.27	0.79	-0.4	-0.36	-0.44	-0.5	1.0	-0.54		-0.32	-0.84	-0.51	0.05
Long Term Debt	0.73	0.76	0.73	0.7	0.62	0.57	0.71	0.58	0.82	0.75	0.38	0.08	0.56	0.59	-0.09	0.98	0.7	0.74	0.56	-0.31	0.78	-0.32		0.46	0.5	0.02
Good Will	0.71	0.64	0.7	0.71	0.71	0.71	0.65	0.65	0.55	0.69	-0.05	0.23	0.71	0.55	-0.47	0.57	0.68	0.71	0.71	-0.84	0.66	-0.84	0.46		0.71	-0.2
Short Term Investments	0.89	0.71	0.89	0.9	0.85	0.87	0.71	0.92	0.63	0.85	0.46	-0.27	1.0	0.89	-0.21	0.58	0.76	0.89	1.0	-0.49	0.65	-0.51	0.5	0.71		-0.48
Inventory	-0.31	-0.19	-0.3	-0.32	-0.34	-0.44	-0.19	-0.37	-0.17	-0.26	-0.23	0.32	-0.46	-0.4	-0.1	-0.03	-0.25	-0.31	-0.46	0.04	-0.12	0.05	0.02	-0.2	-0.48

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Pathfinder Bancorp Account Relationship Matchups

Pathfinder Bancorp balance sheet Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Total Assets	1.2B	1.3B	1.4B	1.5B	1.5B	1.5B
Short Long Term Debt Total	124.0M	109.1M	152.6M	211.6M	136.5M	74.4M
Other Current Liab	995.9M	1.1B	1.1B	1.1B	1.2B	1.3B
Total Current Liabilities	1.0B	1.1B	1.2B	1.2B	1.3B	1.3B
Total Stockholder Equity	97.5M	110.3M	111.0M	119.5M	121.5M	127.6M
Property Plant And Equipment Net	24.5M	23.8M	24.2M	24.0M	37.1M	38.9M
Net Debt	80.5M	72.0M	117.3M	162.9M	104.9M	55.7M
Retained Earnings	50.3M	60.9M	71.3M	76.1M	77.8M	81.7M
Cash	43.5M	37.1M	35.3M	48.7M	31.6M	18.7M
Non Current Assets Total	1.1B	1.1B	1.2B	1.2B	1.2B	1.2B
Non Currrent Assets Other	36.2M	43.3M	56.2M	55.6M	54.5M	57.2M
Other Assets	720.9M	672.6M	277.4M	5.0M	233.2M	221.6M
Cash And Short Term Investments	171.7M	227.7M	227.0M	307.4M	300.9M	315.9M
Net Receivables	4.5M	4.5M	6.2M	7.3M	6.9M	7.2M
Common Stock Shares Outstanding	4.5M	4.5M	4.6M	4.7M	6.1M	3.6M
Liabilities And Stockholders Equity	1.2B	1.3B	1.4B	1.5B	1.5B	1.5B
Non Current Liabilities Total	129.6M	106.6M	101.6M	97.6M	87.3M	58.9M
Other Stockholder Equity	49.3M	50.5M	51.8M	53.0M	52.8M	55.4M
Total Liab	1.1B	1.2B	1.3B	1.3B	1.4B	1.4B
Total Current Assets	176.3M	232.3M	233.2M	314.7M	307.8M	323.2M
Common Stock	47K	45K	60K	61K	54.9K	106.6K
Accumulated Other Comprehensive Income	(2.2M)	(1.3M)	(12.2M)	(9.6M)	(9.1M)	(8.7M)
Other Liab	7.7M	9.3M	9.0M	9.4M	10.8M	5.9M
Accounts Payable	193K	106K	975K	2.2M	546K	518.7K
Long Term Debt	117.4M	94.2M	85.4M	79.8M	57.2M	50.6M
Short Term Investments	128.3M	190.6M	191.7M	258.7M	269.3M	282.8M
Inventory	(48.0M)	(41.7M)	837.7M	(683.0M)	(614.7M)	(584.0M)
Intangible Assets	133K	117K	101K	85K	6.0M	6.3M
Property Plant Equipment	20.6M	25.1M	24.5M	23.8M	27.4M	28.7M
Other Current Assets	48.0M	41.7M	44.7M	59.2M	53.3M	50.6M
Property Plant And Equipment Gross	2.24	45.0M	46.4M	47.7M	62.1M	65.2M
Short Term Debt	4.0M	12.5M	60.3M	125.7M	61M	32.8M
Net Tangible Assets	85.7M	89.8M	101.7M	102.7M	118.1M	64.1M

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When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock:

How To Invest In Pathfinder

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Is Pathfinder Stock a good investment?

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What is Pathfinder Bancorp's Net Worth?

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Largest Banks - Regional Companies

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Largest Financial Services Companies

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For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.395

Dividend Share

0.4

Earnings Share

0.61

Revenue Per Share

6.767

Quarterly Revenue Growth

0.167

The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Pathfinder Historical Balance Sheet

Pathfinder Bancorp Inventory

(583.97 Million)

About Pathfinder Balance Sheet Analysis

Pathfinder Bancorp Balance Sheet Chart

Total Assets

Total Current Liabilities

Pathfinder Bancorp balance sheet Correlations

Pathfinder Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Pathfinder Bancorp balance sheet Accounts

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Other Current Liab	+ 1.0	Total Assets
Total Current Liabilities	+ 1.0	Total Assets
Non Current Assets Total	+ 1.0	Total Assets
Total Liab	+ 1.0	Total Assets
Total Current Liabilities	+ 1.0	Other Current Liab
Total Liab	+ 1.0	Other Current Liab

Good Will	- 0.84	Accounts Payable
Good Will	- 0.84	Common Stock
Other Assets	- 0.68	Non Currrent Assets Other
Accounts Payable	- 0.54	Other Liab
Net Receivables	- 0.54	Other Assets
Other Liab	- 0.53	Common Stock