Pathfinder Bancorp (PBHC) Earnings Report, Financial Results, Financial analysis

Pathfinder Bancorp, Inc. reported in I. Quarter net earnings per share of $0.12 a decrease by -50 % year on year from $0.24 and decline of -51.96 % from $0.25 earned in IV. Quarter (Dec 31 2018).

*I. Quarter*
Earnings Per Share	Revenues
$ 0.12	$ 7 Mill
$-0.12 -50 %	$+1M +12.3 %

Pathfinder Bancorp's Revenue rose by 12.3 % in I. Quarter (Mar 31 2019) year on year, to $7 million and advanced by 4.26 % sequentially.

Pathfinder Bancorp is Expected to report next financial results on August 12, 2019.

More on PBHC's Income Statement

PBHC's NET INCOME

Pathfinder Bancorp's net income of $1 million in I. Quarter decreased by -48.36 % from net earnings of $1 million achieved in I. Quarter a year ago.

Sequentially net earnings fell by -51.37 % from net income of $1.10 million realized in previous quarter.

More on PBHC's Growth

In I. Quarter company's net cash and cash equivalents decreased by $0 million, capital expenditures fell by 34.17%, to $-1 millions compare to same quarter a year ago and rose by -63.71% from IV. Quarter (Dec 31 2018).

More on PBHC's Cash flow Statement

Earnings quality

Pathfinder Bancorp, Inc. payed out dividend of $0.24 per share in last 52 weeks representing 29.27 % of net earning per share in trailing twelve-month period.

During the same period Pathfinder Bancorp, Inc. earned $ 1.39 cash per share, on a free-cash flow basis 169.4 % of net earning per share.

Book value grew by 5.68 % sequentially to $15.51 per share, 71.41% of net income per share in trailing twelve-month period were contributed to shareholder value.
Tangible Book value grew to $ 14.41 per share from $ 13.61.

Company repurchased 0.11 million shares or 2.47 % in I. Quarter.
Interest Coverage Ratio was 1.4. Debt Coverage Ratio was 0.16.

• More on PBHC's Dividends

Market Capitalization (Millions)	68
Shares Outstanding (Millions)	4
Total Debt (Millions $)	77
Revenue (TTM) (Millions $)	29
Net Income (TTM) (Millions $)	4
Cash Flow (TTM) (Millions $)	4
Capital Exp. (TTM) (Millions $)	-6
Dividend TTM ($)	0.24 $
Dividend Yield TTM (%)	1.5 %
Employees (TTM) $	118

Earnings quality

• More on PBHC's Balance Sheets

Market Capitalization (Millions)	68
Shares Outstanding (Millions)	4
Total Debt (Millions $)	77
Revenue (TTM) (Millions $)	29
Net Income (TTM) (Millions $)	4
Cash Flow (TTM) (Millions $)	4
Capital Exp. (TTM) (Millions $)	-6
Dividend TTM ($)	0.24 $
Dividend Yield TTM (%)	1.5 %
Employees (TTM) $	118

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Pathfinder Bancorp, Inc.

PBHC's Financial Statements and Analysis