Pathfinder Bancorp Inc (MARYLAND)

Pathfinder Bancorp Inc has a market price of $13.5 and a market cap of $65.83 million, with a price-to-book ratio of 0.54 and a price-to-tangible-book ratio of 0.54. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. The debt-to-equity ratio is 0.38, indicating a relatively low level of leverage. The company reported a net income of -$1.93 million and a return on equity of -1.58%, which is below the typical performance metrics for banks. The return on assets is also negative at -0.14%, suggesting that the company is not generating returns from its asset base. These metrics indicate a challenging profitability environment for the company. Pathfinder Bancorp Inc's revenue is concentrated in a single business segment, as disclosed in its financial statements. There is no detailed geographic breakdown provided, but the company's operations are likely centered in the United States, given its classification and the nature of its business. The company's revenue for the latest period is $44.34 million, and there is no specific outlook provided for the next fiscal year. The operating cash flow is $11.68 million, but the free cash flow is negative at -$3.68 million, indicating that the company is not generating sufficient cash from operations to cover its capital expenditures. The risk assessment for Pathfinder Bancorp Inc indicates a medium liquidity risk and a low dilution risk. The company has not issued any new shares recently, and there is no indication of dilution pressure in the near term. The negative net cash position after subtracting total debt is a key flag for liquidity risk. There are no recent events or filings mentioned in the provided data that would significantly impact the company's operations or financial position. The company's financial statements do not indicate any major changes in its business strategy or operations in the latest period.