Pathfinder Bancorp, Inc
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of May 9, 2019, it had 10 full-service offices located in Oswego and Onondaga counties, as well as 1 limited purpose office in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York. Show More...
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Website http://www.pathfinderbank.com
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Sector Financial Services
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Industry Banks-Regional
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Last Quote 15.20 USD
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Last Updated 30-05-2025
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External Links Yahoo Finance Morningstar Ratios
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Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 0.5 0.32 0.53 0.58 0.63 0.66 0.78 0.83 0.94 0.8 0.8 Dividends USD 0.07 0.07 0.07 0.07 0.07 0.19 0.15 0.21 0.24 0.24 0.24 Payout Ratio % * 14.6 18.5 13.7 12.2 12.8 16.2 27.4 23.5 26.1 33.3 24.7 Shares Mil 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 Book Value Per Share * USD 5.95 6.12 6.43 6.42 7.34 13.27 13.88 14.46 14.52 18.89 18.56 Free Cash Flow Per Share * USD 0.36 -0.06 0.62 1.14 0.04 0.99 0.99 1.1 1.4 0.71 Return on Assets % 0.52 0.31 0.48 0.49 0.5 0.47 0.47 0.43 0.44 0.35 0.35 Financial Leverage (Average) 16.77 17.83 17.22 16.96 10.05 10.78 12.93 14.26 14.53 12.1 12.1 Return on Equity % 8.6 5.37 8.36 8.37 6.2 4.86 5.63 5.83 6.4 4.63 4.63 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 1.36 1.26 1.12 0.74 0.29 0.54 0.55 0.94 1.47 0.95 0.95