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Profile - Pathfinder Bancorp, Inc. (NasdaqSC:PBHC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 23Price hit new 52-week high ($14.15)
Location
214 West First Street
Oswego, NY 13126
Phone: (315) 343-0057
Fax: (315) 342-9403
Employees (last reported count): 68
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 73%
·Institutional: 1% (4% of float)
(2 institutions)
·Net Inst. Buying: 1,000  shares (+3.85%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Pathfinder Bancorp, Inc. acts as the holding company for its wholly owned subsidiary, Pathfinder Bank (the Bank). A state-chartered savings bank headquartered in Oswego, New York, the Bank has five full-service offices located in its market area, which consists of Oswego County and the contiguous counties. The Bank is a consumer-oriented institution dedicated to providing mortgage loans and other traditional financial services to its customers. At December 31, 2000, the Bank had total assets of $231.8 million, total deposits of $161.5 million and shareholders' equity of $21.0 million.
More from Market Guide: Expanded Business Description

Financial Summary
Pathfinder Bancorp, Inc. is a bank holding company for Oswego City Savings Bank, a state chartered bank with five offices in Oswego County, NY. For the three months ended 3/31/01, total interest income rose 9% to $4.2 million. Net interest income after loan loss provision fell 1% to $1.7 million. Net income totaled $267 thousand vs. a loss of $633 thousand. Results reflect interest paid on borrowings, offset by increased gains on securities and the absence of special charges.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1998 Pay

Chris Gagas, 68
Chairman
$273K
Thomas Schneider, 37
CEO and Pres
--  
W. Schermerhorn, 38
Exec. VP-Lending
--  
Barry Thompson, 44
Sr. VP, Compliance Officer and Security Officer
--  
James Dowd, 31
VP, Controller
--  
Dollar amounts are as of 31-Dec-1998 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:PBHCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 26-Dec-2000
$5.375
Recent Price$13.25 
52-Week High
on 23-Aug-2001
$14.15 
Beta0.53 
Daily Volume (3-month avg)4,409 
Daily Volume (10-day avg)12.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+103.8%
52-Week Change
relative to S&P500
+173.5%
Share-Related Items
Market Capitalization$34.5M
Shares Outstanding2.60M
Float700.0K
Dividends & Splits
Annual Dividend (indicated)$0.24 
Dividend Yield1.81%
Last Split: 3 for 2 on 6-Feb-1998
Per-Share Data
Book Value (mrq)$8.22 
Earnings (ttm)$0.49 
Earnings (mrq)$0.10 
Sales (ttm)$6.35 
Cash (mrq)$1.69 
Valuation Ratios
Price/Book (mrq)1.61 
Price/Earnings (ttm)27.10 
Price/Sales (ttm)2.09 
Income Statements
Sales (ttm)$16.3M
EBITDAN/A 
Income available to common (ttm)$1.25M
Profitability
Profit Margin (ttm)7.7%
Operating Margin (ttm)43.8%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter31-Mar-2001
Management Effectiveness
Return on Assets (ttm)0.56%
Return on Equity (ttm)6.18%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$4.39M
Short Interest
As of 8-Aug-2001
Shares Short1,000 
Percent of Float0.1%
Shares Short
(Prior Month)
0 
Short Ratio0.17 
Daily Volume6,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 31-Mar-2001)

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