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

Pathfinder Bancorp, Inc. reported in III. Quarter net earnings per share of $0.23 an increase by 4.55 % year on year from $0.22 and an improvement of 4.55 % from $0.22 realized in II. Quarter (Jun 30 2018).

*III. Quarter*
Earnings Per Share	Revenues
$ 0.23	$ 7 Mill
$+0.01 +4.55 %	Unch. +6.86 %

Pathfinder Bancorp's Revenue rose by 6.86 % in III. Quarter (Sep 30 2018) year on year, to $7 million and declined by -2.07 % sequentially.

Pathfinder Bancorp is Expected to report next financial results on February 18, 2019.

More on PBHC's Income Statement

PBHC's NET INCOME

Pathfinder Bancorp's net income of $1 million in III. Quarter increased by 5.51 % from net earnings of $1 million achieved in III. Quarter a year ago.

Sequentially net earnings grew by 8.32 % from net income of $0.90 million realized in previous quarter.

More on PBHC's Growth

In III. Quarter company's net cash and cash equivalents decreased by $-1 million, capital expenditures fell by 91.17%, to $-1 millions compare to same quarter a year ago and fell by 388.94% from II. Quarter (Jun 30 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 26.97 % of net earning per share in trailing twelve-month period.

During the same period Pathfinder Bancorp, Inc. earned $ 1.98 cash per share, on a free-cash flow basis 222.22 % of net earning per share.

Book value grew by 1.41 % sequentially to $14.84 per share, -32.66% of net income per share in trailing twelve-month period were contributed to shareholder value.
Tangible Book value grew to $ 13.74 per share from $ 13.54.

Company repurchased 0.01 million shares or 0.30 % in III. Quarter.
Interest Coverage Ratio was 1.51. Debt Coverage Ratio was 0.16.

• More on PBHC's Dividends

Market Capitalization (Millions)	62
Shares Outstanding (Millions)	4
Total Debt (Millions $)	80
Revenue (TTM) (Millions $)	28
Net Income (TTM) (Millions $)	4
Cash Flow (TTM) (Millions $)	-25
Capital Exp. (TTM) (Millions $)	-3
Dividend TTM ($)	0.24 $
Dividend Yield TTM (%)	1.66 %
Employees (TTM) $	118

Earnings quality

• More on PBHC's Balance Sheets

Market Capitalization (Millions)	62
Shares Outstanding (Millions)	4
Total Debt (Millions $)	80
Revenue (TTM) (Millions $)	28
Net Income (TTM) (Millions $)	4
Cash Flow (TTM) (Millions $)	-25
Capital Exp. (TTM) (Millions $)	-3
Dividend TTM ($)	0.24 $
Dividend Yield TTM (%)	1.66 %
Employees (TTM) $	118

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Pathfinder Bancorp, Inc.

PBHC's Financial Statements and Analysis