Pathfinder Bancorp, Inc. cash flow to debt ratio of 10.52% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Pathfinder Bancorp, Inc.'s free cash flow has increased 248.23% from $2.88M last year to $10.02M, signaling increasing performance

Pathfinder Bancorp, Inc.'s debt to equity ratio is 1.44, which means that the company's assets are unhealthy financed, signaling financial risk.

Pathfinder Bancorp, Inc.'s debt has increased relative to shareholder equity from 1.12 last year to 1.44 today, signaling weakened financials

Pathfinder Bancorp, Inc. has a net cash position, so leverage is healthy.

Pathfinder Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Pathfinder Bancorp, Inc.'s profit margin has decreased (141.90%) in the last year from 4.05% to -1.70%, signaling decreasing performance

Pathfinder Bancorp, Inc.'s short-term assets of $1.16B exceed its short-term liabilities of $44.00M

Pathfinder Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Pathfinder Bancorp, Inc.'s return on equity of -1.08%, is lower than 15.00%, indicating bad performance

Pathfinder Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Pathfinder Bancorp, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Pathfinder Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Pathfinder Bancorp, Inc. has a free cash flow yield of 10.00%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Pathfinder Bancorp, Inc.'s yearly earnings has decreased 201.01% since last year from $3.38M to $-3.42M, signaling decreasing performance

Pathfinder Bancorp, Inc.'s yearly revenue has decreased 40.07% since last year from $83.48M to $50.03M, signaling decreasing performance

ROIC -0.09% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Pathfinder Bancorp, Inc.'s 3-year revenue CAGR of 11.99% is positive, indicating growing revenue over the past 3 years

Pathfinder Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Pathfinder Bancorp, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Pathfinder Bancorp, Inc. has insufficient data to evaluate this check.

Pathfinder Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Pathfinder Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Pathfinder Bancorp, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Pathfinder Bancorp, Inc. is undervalued relative to its fair value price of 40.85 based on Earnings Fair Value model

Pathfinder Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Pathfinder Bancorp, Inc. has a price-to-book ratio of 0.62x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Pathfinder Bancorp, Inc. has a price-to-sales ratio of 0.99x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue