What is Pathfinder Bancorp's free cash flow margin?

Pathfinder Bancorp (PBHC) reported free cash flow margin of 44.5% in Q3 2024.

What is the long-term trend for Pathfinder Bancorp's free cash flow margin?

Over 2 years (2020 to 2022), Pathfinder Bancorp's free cash flow margin has grown at a -40.6% compound annual growth rate (CAGR), from 118.8% to 41.9%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Pathfinder Bancorp PBHC Free cash flow margin

Free cash flow margin at other companies

M&T BankMTB

32.2%-5.2pp

KeyCorpKEY

28.4%—

Sound Financial BancorpSFBC

18.1%+10.4pp

PCB BancorpPCB

36.5%+6.8pp

SR Bancorp, Inc.SRBK

-22.7%—

RBB BancorpRBB

824.3%-266pp

Other financials

Income statement

See full

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

See full

Cash & equivalents$39.2M-23.9%

Total debt$45.0M-28.5%

Total equity$123.6M-1.1%

Total assets$1.4B-4.9%

Cash flow

See full

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

See full

Market cap$99.35M+8.2%

Enterprise value$105.15M-39.8%

P/S2.2×+0.4×

Profitability

See full

Net margin-5.5%-13.6pp

Returns & leverage

See full

Return on equity-2%-5.4pp

Debt / equity0.4×-0.1×

Where this comes from

Calculated from Pathfinder Bancorp’s reported figures.

free cash flow/total revenue=44.5%

Based on trailing twelve months.

The official record: Pathfinder Bancorp’s 10-Q, filed November 14, 2024, on SEC EDGAR. View the filing →

Ask your AI about Pathfinder Bancorp's free cash flow margin.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Pathfinder Bancorp's free cash flow margin?: Pathfinder Bancorp (PBHC) reported free cash flow margin of 44.5% in Q3 2024.
What is the long-term trend for Pathfinder Bancorp's free cash flow margin?: Over 2 years (2020 to 2022), Pathfinder Bancorp's free cash flow margin has grown at a -40.6% compound annual growth rate (CAGR), from 118.8% to 41.9%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.