Pathfinder Bancorp Revenue, Profits - PBHC Annual Income Statement

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$15.65 $0 (0%) PBHC stock closing price Jul 18, 2018 (Closing)

Financial statements provide us with a way to gain insights and undertake the fundamental analysis of a company. Checking Pathfinder Bancorp stock price alone is not sufficient. The income statement gives the investor an understanding of the topline or revenue and bottomline or profit numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the PBHC stock is bound to reflect the impact of the YOY growth of 18.82%. One also needs to look at Pathfinder Bancorp assets, operating expenses and Pathfinder Bancorp free cash flow. The Pathfinder Bancorp profit and loss statement shows revenue of $33.59M for 2017. Revenue has grown by 18.82% YOY for PBHC stock.

View revenue and profit details for latest and last 10 financial years.
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Pathfinder Bancorp Revenues or Net Sales
33.59M28.27M25.59M23.45M22.29M21.82M21.79M21.15M20.69M18.9M
Cost Of Goods Sold (COGS)3.9M2.44M1.96M1.95M2.47M2.89M3.23M3.4M4.43M5.66M
Pathfinder Bancorp Gross Profit
29.68M25.83M23.63M21.5M19.82M18.93M18.56M17.75M16.26M13.24M
Research & Development Expense----------
Selling General & Admin Expense22.95M20.06M18.93M16.89M15.78M14.34M14.08M12.83M12M10.75M
Income Before Depreciation Depletion Amortization6.73M5.77M4.69M4.61M4.03M4.58M4.47M4.91M4.26M2.48M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense2.38M1.36M---1.01M1.1M1.39M1.59M2.01M
Pathfinder Bancorp Pretax Income
4.34M4.4M4M3.95M3.25M3.57M3.36M3.51M2.66M-
Provision for Income Taxes-1.11M1.07M1.15M--1.04M1M1.05M-
MinorityInterest-0.06M---------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.42M3.29M2.93M2.8M2.4M2.64M2.32M2.5M1.61M-
Extraordinary Items & Discontinued Operations----------
Pathfinder Bancorp Profit/ Loss (Net Income)
3.49M3.27M2.88M2.74M2.4M2.64M2.32M2.5M1.61M-
Average Shares used to compute Diluted EPS4.19M4.19M4.19M4.2M2.53M4.14M4.18M4.1M4.09M4.09M
Average Shares used to compute Basic EPS4.08M4.11M4.12M4.16M2.52M4.12M4.1M4.09M4.09M4.09M
Income Before Nonrecurring Items3.35M3.27M2.89M2.75M2.41M2.65M2.32M2.51M1.62M-
Income from Nonrecurring Items-0.35M---------
Pathfinder Bancorp Earnings Per Share Basic Net
0.740.790.670.640.960.530.320.500.370.09
Pathfinder Bancorp Earnings Per Share Diluted Net
0.720.780.660.630.950.530.320.500.370.09
EPS Diluted Before Nonrecurring Items0.800.780.660.630.950.530.320.500.370.09
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.210.200.140.070.070.070.070.070.120.25
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Pathfinder Bancorp stock analysis are:

  • Revenue: The money received by selling of goods or services comes under this line item. A YoY growth - See: Pathfinder Bancorp revenue chart implies that the company is growing. It has been the case with Pathfinder Bancorp. One must look at stocks with increasing revenues, and stay away from stocks whose revenues or sales are declining.
  • Bottom line: Most businesses like Pathfinder Bancorp try to grow their profits by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.

The income statement is also called statement of revenue and expense. The PBHC financials along with Pathfinder Bancorp historical stock prices provide a lot of details about the firm.

Pathfinder Bancorp Income Statement - Key Financial Ratios

PE Ratio (price earnings ratio)
20.33
PS Ratio (price sales ratio)
1.86
Operating Margin
18.5
Net Profit Margin
11
Dividend Yield
1.41%