PBHC FY 2016 Earnings Report — Pathfinder Bancorp, Inc. Revenue & Financial Results | Market Cap Arena

Pathfinder Bancorp, Inc.PBHC

FY 2016 Earnings

Reported March 31, 2017

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2016	Prior Q	FY 2015	QoQ Change	YoY Change
Revenue	$28M	—	$26M	—	10.5%
Op. Income	$4M	—	$4M	—	10.1%
Gross Margin	83.2%	—	84.3%	—	-1.2pp
Net Margin	11.6%	—	11.3%	—	0.3pp
EPS (Diluted)	$0.78	—	$0.66	—	18.2%
Free Cash Flow	$5M	—	$4M	—	36.2%

Revenue Flow

Item	Amount
REVENUE	$28M
Cost of Revenue	$5M
GROSS PROFIT	$24M
R&D Expenses	$0
Selling & Marketing	$730.0K
General & Administrative	$13M
SG&A Expenses	$14M
Other Expenses	$6M
Operating Expenses	$19M
Cost & Expenses	$24M
OPERATING INCOME	$4M
Interest Income	$24M
Interest Expense	$4M
Other Income/Expenses	$0
INCOME BEFORE TAX	$4M
Income Tax Expense	$1M
Net Income from Continuing Ops	$3M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$3M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$3M
D&A	$1M
EBIT	$4M
EBITDA	$5M
EPS	$1
EPS Diluted	$1

Income Statement

Item	Amount
REVENUE	$28M
Cost of Revenue	$5M
GROSS PROFIT	$24M
R&D Expenses	$0
Selling & Marketing	$730.0K
General & Administrative	$13M
SG&A Expenses	$14M
Other Expenses	$6M
Operating Expenses	$19M
Cost & Expenses	$24M
OPERATING INCOME	$4M
Interest Income	$24M
Interest Expense	$4M
Other Income/Expenses	$0
INCOME BEFORE TAX	$4M
Income Tax Expense	$1M
Net Income from Continuing Ops	$3M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$3M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$3M
D&A	$1M
EBIT	$4M
EBITDA	$5M
EPS	$1
EPS Diluted	$1

Cash Flow Statement

Item	Amount
Net Income	$3M
Depreciation & Amortization	$1M
Stock-Based Compensation	$557.0K
Deferred Income Tax	-$249.0K
Other Non-Cash Items	$2M
Change in Working Capital	$95.0K
OPERATING CASH FLOW	$6M
Capital Expenditure	-$1M
Acquisitions (Net)	$0
Purchases of Investments	-$162M
Sales/Maturities of Investments	$105M
Other Investing Activities	-$63M
NET CASH FROM INVESTING	-$121M
Net Debt Issuance	$17M
Common Stock Repurchased	-$2M
Common Dividends Paid	-$866.0K
Other Financing Activities	$121M
NET CASH FROM FINANCING	$122M
FREE CASH FLOW	$5M
Net Change in Cash	$7M

Balance Sheet

Item	Amount
Cash & Equivalents	$22M
Short-Term Investments	$142M
Net Receivables	$3M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$167M
PP&E (Net)	$15M
Goodwill	$5M
Intangible Assets	$198.0K
Long-Term Investments	$541M
Tax Assets	$0
Other Non-Current Assets	$22M
TOTAL NON-CURRENT ASSETS	$582M
TOTAL ASSETS	$749M
Account Payables	$75.0K
Short-Term Debt	$42M
Deferred Revenue	$0
Other Current Liabilities	$611M
TOTAL CURRENT LIABILITIES	$653M
Long-Term Debt	$32M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$5M
Other Non-Current Liabilities	$6M
TOTAL NON-CURRENT LIABILITIES	$38M
TOTAL LIABILITIES	$691M
Common Stock	$43.0K
Additional Paid-In Capital	$27M
Retained Earnings	$36M
Treasury Stock	$0
Accum. Other Comp. Income	-$4M
Other Equity	-$1M
TOTAL STOCKHOLDERS' EQUITY	$58M
Minority Interest	$432.0K
TOTAL EQUITY	$58M
TOTAL LIABILITIES & EQUITY	$749M
Total Debt	$74M
Net Debt	$52M