Pathfinder Bancorp Inc (MARYLAND) (OQ:PBHC)
Business Focus: Banks
| Sector: Financials | Industry: Banks |
| See Regulatory Filings on SEC | |
| Company Contact | |
| Address: | 214 W 1st St OSWEGO NY 13126-2550 |
| Tel: | 1-315-3430057 |
| Website: | https://ir.pathfinderbank.com/home/default.aspx |
| IR: | See website |
| Key People | ||
| James A. Dowd President, Chief Executive Officer of the Company and the Bank | Walter F. Rusnak Chief Financial Officer, Senior Vice President, Controller of the Company and the Bank | Calvin L. Corriders Regional President - Syracuse Market, HR Director of the Bank |
| Robert G. Butkowski Chief Operating Officer, Senior Vice President of the Company and the Bank | Ronald G. Tascarella Executive Vice President, Chief Banking Officer of the Company and the Bank | Daniel R. Phillips Senior Vice President, Chief Information Officer of the Company and the Bank | William O'brien Senior Vice President, Chief Risk Officer of the Company and the Bank, Company Secretary |
| Business Overview |
| Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over seven branch offices located in Oswego County, four branch offices in Onondaga County, and one limited purpose office in Oneida County. |
| Financial Overview |
| For the fiscal year ended 31 December 2023, Pathfinder Bancorp Inc (MARYLAND) interest income increased 32% to $67.7M. Net interest income after loan loss provision decreased 6% to $38.9M. Net income applicable to common stockholders decreased 28% to $7M. Net interest income after loan loss provision reflects decrease in interest earning assets and increase in interest bearing liabilities. |
| Employees: | 161 as of Dec 31, 2023 |
| Reporting Currency: | U.S. Dollars |
| Enterprise value: | $79.49M as of Dec 31, 2023 |
| Annual revenue (TTM): | $67.66M as of Dec 31, 2023 |
| EBITDA (TTM): | $21.61M as of Dec 31, 2023 |
| Net annual income (TTM): | $7.02M as of Dec 31, 2023 |
| Free cash flow (TTM): | $11.23M as of Dec 31, 2023 |
| Net Debt Last Fiscal Year: | $21.96M as of Dec 31, 2023 |
| Shares outstanding: | 6,100,071 as of Mar 19, 2024 |
| TTM: Trailing Twelve Months EBITDA: Earnings Before Interest, Taxes, Depreciation, & Amortization | |
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