View Past PerformancePathfinder Bancorp バランスシートの健全性財務の健全性 基準チェック /46Pathfinder Bancorpの総資産は$1.4B 、総資本は$123.6Mです。預金総額は$1.2B 、ローン総額は$866.2Mで、純金利マージン3.2%となっています。不良債権に対する引当金が不十分で、現在、総融資額の4.3%を占めています。現金および短期投資は$41.6Mです。主要情報11.5x自己資本比率3.2%純金利マージン預金総額US$1.21b預貸率適切不良債権4.3%貸倒引当金低い流動比率低い現金および同等物US$41.55m財務の健全性に関する最新情報更新なしすべての更新を表示Recent updatesDeclared Dividend • Jul 02First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th July 2026 Payment date: 7th August 2026 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability.Board Change • Jul 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 7 highly experienced directors. President, CEO & Director Jim Dowd was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Jun 30Pathfinder Bancorp, Inc. Declares Dividend, Payable on August 7, 2026Pathfinder Bancorp, Inc., has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock relating to the fiscal quarter ending June 30, 2026. The second quarter 2026 dividend will be payable to all shareholders of record on July 17, 2026 and will be paid on August 7, 2026.Buy Or Sell Opportunity • May 04Now 24% undervaluedOver the last 90 days, the stock has risen 9.4% to US$13.30. The fair value is estimated to be US$17.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.0% over the last 3 years. Meanwhile, the company became loss making.お知らせ • May 02Pathfinder Bancorp, Inc. Reports Net Loan Charge Offs for the First Quarter Ended March 31, 2026Pathfinder Bancorp, Inc. reported net loan charge offs for the first quarter ended March 31, 2026. For the period, the company reported net loan charge-offs of $284,000 compared to $340,000 a year ago.お知らせ • Apr 23Pathfinder Bancorp, Inc., Annual General Meeting, Jun 04, 2026Pathfinder Bancorp, Inc., Annual General Meeting, Jun 04, 2026. Location: events center, 25 east first street, oswego, 13126, new york United StatesBuy Or Sell Opportunity • Apr 13Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.6% to US$13.41. The fair value is estimated to be US$17.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.Declared Dividend • Apr 03Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th April 2026 Payment date: 8th May 2026 Dividend yield will be 3.1%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability.お知らせ • Apr 01Pathfinder Bancorp, Inc. Declares Dividend to Fiscal Quarter Ending March 31, 2026, Payable on May 8, 2026James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock fand a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2026. The first quarter 2026 dividend will be payable to all shareholders of record on April 17, 2026 and will be paid on May 8, 2026.Buy Or Sell Opportunity • Mar 26Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.2% to US$13.12. The fair value is estimated to be US$16.98, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.Recent Insider Transactions Derivative • Mar 15Independent Director exercised options to buy US$120k worth of stock.On the 13th of March, Adam Gagas exercised options to buy 9k shares at a strike price of around US$11.35, costing a total of US$100k. This transaction amounted to 4.5% of their direct individual holding at the time of the trade. Since June 2025, Adam's direct individual holding has increased from 189.15k shares to 193.22k. Company insiders have collectively bought US$592k more than they sold, via options and on-market transactions, in the last 12 months.Buy Or Sell Opportunity • Feb 27Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to US$13.13. The fair value is estimated to be US$16.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.Recent Insider Transactions Derivative • Feb 06Senior VP exercised options to buy US$65k worth of stock.On the 4th of February, William O'Brien exercised options to buy 5k shares at a strike price of around US$10.81, costing a total of US$54k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Since March 2025, William's direct individual holding has increased from 26.93k shares to 27.35k. Company insiders have collectively bought US$165k more than they sold, via options and on-market transactions, in the last 12 months.Buy Or Sell Opportunity • Feb 03Now 27% undervalued after recent price dropOver the last 90 days, the stock has fallen 19% to US$12.16. The fair value is estimated to be US$16.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.Reported Earnings • Feb 01Full year 2025 earnings released: US$0.56 loss per share (vs US$0.56 profit in FY 2024)Full year 2025 results: US$0.56 loss per share (down from US$0.56 profit in FY 2024). Revenue: US$30.5m (down 23% from FY 2024). Net loss: US$3.42m (down 201% from profit in FY 2024). Net interest margin (NIM): 3.21% (up from 2.98% in FY 2024). Cost-to-income ratio: 69.1% (down from 72.8% in FY 2024). Non-performing loans: 3.07% (up from 2.40% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 60% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.お知らせ • Jan 30Pathfinder Bancorp, Inc. Reports Net Loan Charge-Offs for the Fourth Quarter Ended December 31, 2025Pathfinder Bancorp, Inc. reported net loan charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net loan charge-offs of $604,000, compared to $1,020,000 reported a year ago.Upcoming Dividend • Jan 09Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 16 January 2026. Payment date: 06 February 2026. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (2.3%).Declared Dividend • Dec 26Third quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 16th January 2026 Payment date: 6th February 2026 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 59% to shift the payout ratio to a potentially unsustainable range, which is more than the 1.8% EPS decline seen over the last 5 years.お知らせ • Dec 24Pathfinder Bancorp, Inc. announces Quarterly dividend, payable on February 06, 2026Pathfinder Bancorp, Inc. announced Quarterly dividend of USD 0.1000 per share payable on February 06, 2026, ex-date on January 16, 2026 and record date on January 16, 2026.Recent Insider Transactions Derivative • Nov 23Independent Chairman of Board exercised options to buy US$64k worth of stock.On the 20th of November, William Barclay exercised options to buy 5k shares at a strike price of around US$11.35, costing a total of US$51k. This transaction amounted to 5.2% of their direct individual holding at the time of the trade. Since June 2025, William has owned 86.25k shares directly. Company insiders have collectively sold US$119k more than they bought, via options and on-market transactions in the last 12 months.お知らせ • Oct 31Pathfinder Bancorp, Inc. Reports Net Loan Charge Offs for the Third Quarter Ended September 30, 2025Pathfinder Bancorp, Inc. reported net loan charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net loan charge offs of $670,000 against $8,722,000 reported a year ago.分析記事 • Oct 03Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend of $0.10 per share on...Declared Dividend • Oct 02Second quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th October 2025 Payment date: 7th November 2025 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 58% to bring the payout ratio under control. However, EPS has declined by 25% over the last 5 years so the company would need to reverse this trend.お知らせ • Sep 30Pathfinder Bancorp, Inc. Declares Third Quarter 2025 Dividend, Payable on November 7, 2025Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2025. The third quarter 2025 dividend will be payable to all shareholders of record on October 17, 2025 and will be paid on November 7, 2025.Buy Or Sell Opportunity • Aug 05Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.9% to US$14.30. The fair value is estimated to be US$17.91, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.9% over the last 3 years. Earnings per share has declined by 49%.New Risk • Aug 02New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 169% Current dividend yield: 2.7% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 11% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (169% payout ratio). Profit margins are more than 30% lower than last year (3.7% net profit margin). Market cap is less than US$100m (US$89.8m market cap).Reported Earnings • Aug 02Second quarter 2025 earnings released: EPS: US$0.005 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.005 (down from US$0.32 in 2Q 2024). Revenue: US$8.10m (down 22% from 2Q 2024). Net income: US$31.0k (down 98% from 2Q 2024). Profit margin: 0.4% (down from 19% in 2Q 2024). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.分析記事 • Jul 05Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) will pay a dividend of $0.10 on the 8th of August. Based on this payment, the...Declared Dividend • Jul 05First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 18th July 2025 Payment date: 8th August 2025 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 16% to shift the payout ratio to a potentially unsustainable range, which is more than the 11% EPS decline seen over the last 5 years.お知らせ • Jul 01Pathfinder Bancorp, Inc. Declares Dividend for the Second Quarter of 2025, Payable on August 8, 2025Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2025. The second quarter 2025 dividend will be payable to all shareholders of record on July 18, 2025 and will be paid on August 8, 2025.Reported Earnings • May 02First quarter 2025 earnings released: EPS: US$0.63 (vs US$0.26 in 1Q 2024)First quarter 2025 results: EPS: US$0.63 (up from US$0.26 in 1Q 2024). Revenue: US$12.2m (up 17% from 1Q 2024). Net income: US$2.97m (up 85% from 1Q 2024). Profit margin: 25% (up from 15% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.New Risk • May 01New major risk - Revenue and earnings growthEarnings have declined by 1.5% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (95% payout ratio). Profit margins are more than 30% lower than last year (6.5% net profit margin). Significant insider selling over the past 3 months (US$149k sold). Market cap is less than US$100m (US$84.2m market cap).お知らせ • May 01Pathfinder Bancorp, Inc. Reports Net Charge Offs for the First Quarter of 2025Pathfinder Bancorp, Inc. reported net charge offs for the first quarter of 2025. Net charge offs (“NCOs”) after recoveries were $340,000 or an annualized 0.15% of average loans in the first quarter of 2025, with gross charge offs for consumer loans, purchased loan pools, and commercial loans offsetting recoveries in each of these categories. NCOs were $1.0 million or an annualized 0.44% of average loans in the linked quarter and $30,000 or 0.01% in the prior year period.お知らせ • Apr 25Pathfinder Bancorp, Inc., Annual General Meeting, Jun 05, 2025Pathfinder Bancorp, Inc., Annual General Meeting, Jun 05, 2025. Location: events center, 25 east first street, new york 13126, oswego United States分析記事 • Apr 04Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10Pathfinder Bancorp, Inc.'s ( NASDAQ:PBHC ) investors are due to receive a payment of $0.10 per share on 9th of May...Declared Dividend • Apr 03Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th April 2025 Payment date: 9th May 2025 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 28% to shift the payout ratio to a potentially unsustainable range, which is more than the 5.1% EPS decline seen over the last 5 years.お知らせ • Apr 01Pathfinder Bancorp, Inc. Declares Cash Dividend for the Fiscal Quarter Ending March 31, 2025, Payable on May 9, 2025Pathfinder Bancorp, Inc. announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2025. The first quarter 2025 dividend will be payable to all shareholders of record on April 18, 2025 and will be paid on May 9, 2025.New Risk • Mar 30New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$94.1m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (9.4% net profit margin). Significant insider selling over the past 3 months (US$149k sold). Market cap is less than US$100m (US$94.1m market cap).Recent Insider Transactions • Feb 25Insider recently sold US$85k worth of stockOn the 20th of February, Ronald Tascarella sold around 5k shares on-market at roughly US$17.00 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$137k. Insiders have been net sellers, collectively disposing of US$258k more than they bought in the last 12 months.Reported Earnings • Feb 02Full year 2024 earnings released: EPS: US$0.60 (vs US$1.16 in FY 2023)Full year 2024 results: EPS: US$0.60 (down from US$1.16 in FY 2023). Revenue: US$40.0m (down 2.8% from FY 2023). Net income: US$3.76m (down 47% from FY 2023). Profit margin: 9.4% (down from 17% in FY 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Jan 12Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 17 January 2025. Payment date: 07 February 2025. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.7%). In line with average of industry peers (2.7%).New Risk • Jan 12New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$95.8m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (156% payout ratio). Profit margins are more than 30% lower than last year (4.3% net profit margin). Significant insider selling over the past 3 months (US$155k sold). Market cap is less than US$100m (US$95.8m market cap).Declared Dividend • Dec 29Third quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 17th January 2025 Payment date: 7th February 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 73% to bring the payout ratio under control. However, EPS has declined by 19% over the last 5 years so the company would need to reverse this trend.お知らせ • Dec 24Pathfinder Bancorp, Inc. Declares Cash Dividend for the Fiscal Fourth Quarter Ending December 31, 2024, Payable on February 7, 2025Pathfinder Bancorp, Inc. declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2024. The fourth quarter 2024 dividend will be payable to all shareholders of record on January 17, 2025 and will be paid on February 7, 2025.Recent Insider Transactions • Dec 10Independent Director recently sold US$137k worth of stockOn the 5th of December, Eric Allyn sold around 8k shares on-market at roughly US$16.80 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$133k more than they bought in the last 12 months.Recent Insider Transactions Derivative • Dec 06Independent Director notifies of intention to sell stockEric Allyn intends to sell 14k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of December. If the sale is conducted around the recent share price of US$17.00, it would amount to US$243k. Since June 2024, Eric has owned 50.39k shares directly. Company insiders have collectively bought US$201k more than they sold, via options and on-market transactions, in the last 12 months.Recent Insider Transactions Derivative • Nov 22Senior VP & Chief Information Officer exercised options to buy US$239k worth of stock.On the 20th of November, Daniel Phillips exercised options to buy 13k shares at a strike price of around US$11.35, costing a total of US$151k. This transaction amounted to 29% of their direct individual holding at the time of the trade. Since March 2024, Daniel's direct individual holding has increased from 41.43k shares to 45.16k. Company insiders have collectively bought US$175k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Nov 01Third quarter 2024 earnings released: US$0.76 loss per share (vs US$0.27 profit in 3Q 2023)Third quarter 2024 results: US$0.76 loss per share (down from US$0.27 profit in 3Q 2023). Revenue: US$4.47m (down 57% from 3Q 2023). Net loss: US$4.64m (down 382% from profit in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • Oct 18Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$18.91, the stock trades at a trailing P/E ratio of 17.5x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 19% over the past three years.Declared Dividend • Oct 03Second quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 18th October 2024 Payment date: 8th November 2024 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 8.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Oct 01Pathfinder Bancorp, Inc. Declares Cash Dividend for the Third Quarter Ended September 30, 2024, Payable on November 8, 2024Pathfinder Bancorp, Inc. has announced that the company has declared a cash dividend of $0.10 per share on the company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ended September 30, 2024. The third quarter 2024 dividend will be payable to all shareholders of record on October 18, 2024 and will be paid on November 8, 2024.お知らせ • Sep 29Pathfinder Bancorp, Inc. Announces Executive ChangesPathfinder Bancorp, Inc. announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30, 2024. Joseph Serbun has been appointed as Senior Vice President, Chief Credit Officer effective immediately. Joseph Serbun to Assume SVP and Chief Credit Officer Role. Serbun joined Pathfinder Bank in 2023 as Special Assets Manager after retiring from his role as President of Retail Banking at Community Bank in September of 2022. Serbun came to Pathfinder Bank with 40 years of banking experience and extensive knowledge of their markets, having served in key senior management roles, including chief credit officer, chief banking officer and president of retail banking. Serbun earned a BA, in economics from SUNY Oneonta. He has served as a board member and volunteered at several local community minded organizations.Recent Insider Transactions • Sep 19Senior VP & Chief Information Officer recently sold US$78k worth of stockOn the 16th of September, Daniel Phillips sold around 5k shares on-market at roughly US$15.64 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$24k more than they sold in the last 12 months.Recent Insider Transactions Derivative • Sep 18Senior VP & Chief Information Officer notifies of intention to sell stockDaniel Phillips intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 16th of September. If the sale is conducted around the recent share price of US$15.64, it would amount to US$78k. Since March 2024, Daniel's direct individual holding has decreased from 41.43k shares to 40.38k. Company insiders have collectively bought US$102k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$0.33 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.33 (up from US$0.25 in 2Q 2023). Revenue: US$10.4m (up 7.5% from 2Q 2023). Net income: US$2.00m (up 34% from 2Q 2023). Profit margin: 19% (up from 16% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.Valuation Update With 7 Day Price Move • Jul 22Investor sentiment improves as stock rises 29%After last week's 29% share price gain to US$17.37, the stock trades at a trailing P/E ratio of 15.9x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 16% over the past three years.Declared Dividend • Jul 05First quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 19th July 2024 Payment date: 9th August 2024 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 5.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Jul 02Pathfinder Bancorp, Inc. Declares Second Quarter 2024 Dividend, Payable on August 9, 2024Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2024. The second quarter 2024 dividend will be payable to all shareholders of record on July 19, 2024 and will be paid on August 9, 2024.お知らせ • Jun 10Pathfinder Bancorp, Inc. Elects Tony Scavuzzo as DirectorPathfinder Bancorp, Inc. at its AGM held on June 06, 2024 elected Tony Scavuzzo as director.お知らせ • May 09+ 1 more updatePathfinder Bancorp, Inc Announces Executive ChangesPathfinder Bancorp, Inc. announced that Walter F. Rusnak, CPA, 70, Chief Financial Officer, will retire from the role after a career spanning more than forty years in finance effective June 28, 2024. Justin K. Bigham, CPA, 50, has been named to succeed Rusnak as Chief Financial Officer. Rusnak will remain with the company in an advisory capacity to ensure a smooth transition and to continue to oversee the Bank’s investment securities portfolio and overall balance sheet management. Rusnak joined Pathfinder Bank in 2015 and has held a number of positions in accounting and finance, including Vice President of Finance and First Vice President of Finance and Accounting. Prior to his time at Pathfinder Bank, Rusnak was an advisory board member and founding principal of Ovitz Corporation, where he advised and supported the financial operations and corporate governance in a start-up medical device company and has held several roles in publicly traded banks and regional credit unions across the country. Rusnak is a CPA and received his MBA in Finance from the State University of New York, Buffalo with a Bachelor of Science degree in Accounting from Canisius College. Bigham comes to Pathfinder Bank with more than 25 years’ experience and an impressive background in Financial Services. Bigham has served in several key roles at various large public companies including his most recent position as Executive Vice President and Chief Community Banking Officer at Five Star Bank, after serving previously as their Chief Financial Officer. Prior to his time at Five Star Bank, he served as Director of Financial Planning and Treasury at HealthNow New York and spent six years in senior positions at First Niagara in both finance and business line capacities, following seven years in increasingly responsible positions within the Finance Division at M&T Bank. Bigham earned a Bachelor of Business Administration degree from St. Bonaventure University and is a Certified Public Accountant.Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.42 in 1Q 2023)First quarter 2024 results: EPS: US$0.35 (down from US$0.42 in 1Q 2023). Revenue: US$10.4m (down 4.2% from 1Q 2023). Net income: US$2.12m (down 17% from 1Q 2023). Profit margin: 20% (down from 23% in 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 4% per year.お知らせ • Apr 23Pathfinder Bancorp, Inc., Annual General Meeting, Jun 06, 2024Pathfinder Bancorp, Inc., Annual General Meeting, Jun 06, 2024, at 10:00 Eastern Standard Time. Location: Bayshore Grove, 78 Bayshore Road Oswego New York United States Agenda: To The election of three directors; to the approval of the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan; to consider the approval of an advisory non-binding resolution regarding the compensation of our named executive officers (“Say-on-Pay"); and to discuss other matters.分析記事 • Apr 05Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last YearThe board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will be increasing its dividend by 11% on...Declared Dividend • Apr 04Fourth quarter dividend increased to US$0.10Dividend of US$0.10 is 11% higher than last year. Ex-date: 18th April 2024 Payment date: 10th May 2024 Dividend yield will be 3.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 3.6% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Apr 02Pathfinder Bancorp, Inc. Declares Cash Dividend for Fiscal Quarter Ending March 31, 2024, Will Be Paid on May 10, 2024Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common stock and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2024. The declared quarterly cash dividends on the Company's voting common and non-voting common stock, as well as for the issued warrant, relating to the fiscal quarter ended March 31, 2024, represents a $0.01 per share, or 11.1%, increase as compared to the $0.09 per share cash dividend declared on the Company's voting common stock and non-voting common stock, and the cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ended December 31, 2023. The first quarter 2024 dividend will be payable to all shareholders of record on April 19, 2024 and will be paid on May 10, 2024.Reported Earnings • Mar 25Full year 2023 earnings released: EPS: US$1.16 (vs US$1.64 in FY 2022)Full year 2023 results: EPS: US$1.16 (down from US$1.64 in FY 2022). Revenue: US$41.2m (down 7.6% from FY 2022). Net income: US$7.02m (down 28% from FY 2022). Profit margin: 17% (down from 22% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.95% (down from 3.24% in FY 2022). Cost-to-income ratio: 66.6% (up from 61.1% in FY 2022). Non-performing loans: 1.92% (up from 1.00% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has fallen by 6% per year.Valuation Update With 7 Day Price Move • Feb 08Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$11.75, the stock trades at a trailing P/E ratio of 7.7x. Average trailing P/E is 9x in the Banks industry in the US. Total loss to shareholders of 7.5% over the past three years.Reported Earnings • Feb 02Full year 2023 earnings released: EPS: US$1.53 (vs US$1.64 in FY 2022)Full year 2023 results: EPS: US$1.53 (down from US$1.64 in FY 2022). Revenue: US$41.2m (down 7.6% from FY 2022). Net income: US$9.29m (down 4.4% from FY 2022). Profit margin: 23% (in line with FY 2022). Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 1% per year.お知らせ • Dec 27Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending December 31, 2023, Payable on February 2, 2024Pathfinder Bancorp, Inc. announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2023. The fourth quarter 2023 dividend will be payable to all shareholders of record on January 12, 2024 and will be paid on February 2, 2024.Valuation Update With 7 Day Price Move • Dec 26Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$15.24, the stock trades at a trailing P/E ratio of 11.9x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 47% over the past three years.New Risk • Nov 19New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.1% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (2.1% increase in shares outstanding). Market cap is less than US$100m (US$78.8m market cap).Reported Earnings • Nov 03Third quarter 2023 earnings released: EPS: US$0.36 (vs US$0.40 in 3Q 2022)Third quarter 2023 results: EPS: US$0.36 (down from US$0.40 in 3Q 2022). Revenue: US$10.4m (down 7.2% from 3Q 2022). Net income: US$2.18m (down 9.0% from 3Q 2022). Profit margin: 21% (in line with 3Q 2022). Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 7% per year.Upcoming Dividend • Oct 12Upcoming dividend of US$0.09 per share at 2.7% yieldEligible shareholders must have bought the stock before 19 October 2023. Payment date: 10 November 2023. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of American dividend payers (5.1%). Lower than average of industry peers (3.9%).お知らせ • Oct 05Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending September 30, 2023, Payable on November 10, 2023Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2023. The third quarter 2023 dividend will be payable to all shareholders of record on October 20, 2023 and will be paid on November 10, 2023.Recent Insider Transactions Derivative • Sep 13Senior VP & Chief Information Officer notifies of intention to sell stockDaniel Phillips intends to sell 4k shares in the next 90 days after lodging an Intent To Sell Form on the 11th of September. If the sale is conducted around the recent share price of US$12.99, it would amount to US$52k. Since December 2022, Daniel's direct individual holding has decreased from 33.80k shares to 33.30k. Company insiders have collectively bought US$544k more than they sold, via options and on-market transactions, in the last 12 months.New Risk • Aug 20New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$183k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Significant insider selling over the past 3 months (US$183k sold). Market cap is less than US$100m (US$77.9m market cap).Recent Insider Transactions • Aug 18Insider recently sold US$183k worth of stockOn the 15th of August, Calvin Corriders sold around 13k shares on-market at roughly US$14.04 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$75k more than they bought in the last 12 months.Recent Insider Transactions Derivative • Aug 18Insider notifies of intention to sell stockCalvin Corriders intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 15th of August. If the sale is conducted around the recent share price of US$13.96, it would amount to US$140k. Since March 2023, Calvin has owned 34.55k shares directly. Company insiders have collectively bought US$536k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Aug 02Second quarter 2023 earnings released: EPS: US$0.33 (vs US$0.41 in 2Q 2022)Second quarter 2023 results: EPS: US$0.33 (down from US$0.41 in 2Q 2022). Revenue: US$9.68m (down 14% from 2Q 2022). Net income: US$1.98m (down 19% from 2Q 2022). Profit margin: 21% (down from 22% in 2Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 16% per year.Upcoming Dividend • Jul 13Upcoming dividend of US$0.09 per share at 2.5% yieldEligible shareholders must have bought the stock before 20 July 2023. Payment date: 11 August 2023. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.5%).お知らせ • Jul 04Pathfinder Bancorp, Inc. Declares Dividend for the Second Quarter Ended June 30, 2023, Payable on August 11, 2023James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2023. The second quarter 2023 dividend will be payable to all shareholders of record on July 21, 2023 and will be paid on August 11, 2023.Recent Insider Transactions Derivative • May 07Independent Chairman of the Board exercised options to buy US$119k worth of stock.On the 4th of May, Chris Burritt exercised options to buy 9k shares at a strike price of around US$11.35, costing a total of US$100k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Chris currently holds less than 1% of total shares outstanding. Company insiders have collectively bought US$420k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • May 03First quarter 2023 earnings released: EPS: US$0.43 (vs US$0.49 in 1Q 2022)First quarter 2023 results: EPS: US$0.43 (down from US$0.49 in 1Q 2022). Revenue: US$10.9m (flat on 1Q 2022). Net income: US$2.60m (down 10.0% from 1Q 2022). Profit margin: 24% (down from 26% in 1Q 2022). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Buying Opportunity • Apr 26Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 18%. The fair value is estimated to be US$19.58, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 23%.Upcoming Dividend • Apr 14Upcoming dividend of US$0.09 per share at 2.2% yieldEligible shareholders must have bought the stock before 21 April 2023. Payment date: 19 May 2023. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.7%).分析記事 • Apr 07Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend on the 19th of May...Buying Opportunity • Mar 29Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 4.3%. The fair value is estimated to be US$22.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 27%.Buying Opportunity • Mar 13Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 6.2%. The fair value is estimated to be US$22.17, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 27%.Reported Earnings • Feb 01Full year 2022 earnings released: EPS: US$2.17 (vs US$1.78 in FY 2021)Full year 2022 results: EPS: US$2.17 (up from US$1.78 in FY 2021). Revenue: US$44.6m (up 2.4% from FY 2021). Net income: US$12.9m (up 39% from FY 2021). Profit margin: 29% (up from 21% in FY 2021). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Jan 06Upcoming dividend of US$0.09 per shareEligible shareholders must have bought the stock before 13 January 2023. Payment date: 10 February 2023. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.1%).お知らせ • Dec 28Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending December 31, 2022, Payable on February 10, 2023James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2022. The fourth quarter 2022 dividend will be payable to all shareholders of record on January 17, 2023 and will be paid on February 10, 2023.Reported Earnings • Nov 20Third quarter 2022 earnings released: EPS: US$0.54 (vs US$0.43 in 3Q 2021)Third quarter 2022 results: EPS: US$0.54 (up from US$0.43 in 3Q 2021). Revenue: US$11.2m (flat on 3Q 2021). Net income: US$3.18m (up 26% from 3Q 2021). Profit margin: 28% (up from 22% in 3Q 2021). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Reported Earnings • Nov 01Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: US$11.2m (flat on 3Q 2021). Net income: US$3.18m (up 26% from 3Q 2021). Profit margin: 28% (up from 22% in 3Q 2021).Upcoming Dividend • Oct 06Upcoming dividend of US$0.09 per shareEligible shareholders must have bought the stock before 13 October 2022. Payment date: 11 November 2022. Payout ratio is a comfortable 19% and this is well supported by cash flows. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.3%).お知らせ • Sep 27Pathfinder Bancorp, Inc. Declares Dividend, to Be Paid on November 11, 2022James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2022. The third quarter 2022 dividend will be payable to all shareholders of record on October 14, 2022 and will be paid on November 11, 2022.Seeking Alpha • Sep 26Pathfinder declares $0.09 dividendPathfinder (NASDAQ:PBHC) declares $0.09/share quarterly dividend, in line with previous. Forward yield 1.71% Payable Nov. 11; for shareholders of record Oct. 14; ex-div Oct. 13. See PBHC Dividend Scorecard, Yield Chart, & Dividend Growth.お知らせ • Sep 14Pathfinder Bancorp, Inc. Announces Resignation of Thomas W. Schneider as Director of Capital Markets and Corporate StrategyPathfinder Bancorp, Inc. announced that on September 7, 2022, Thomas W. Schneider resigned as Director of Capital Markets and Corporate Strategy.Buying Opportunity • Aug 07Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 2.9%. The fair value is estimated to be US$24.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 32%.財務状況分析デット・ツー・エクイティの歴史と分析貸借対照表金融機関分析資産レベル: PBHCの 資産対自己資本比率 ( 11.5 x) は 中程度 です。不良債権引当金: PBHCは low 不良債権引当金 を持っています ( 76 %)。低リスク負債: PBHCの負債の93%は主に 低リスク の資金源で構成されています。ローンレベル: PBHCは 適切な レベルの ローン対資産比率 ( 61% ) を持っています。低リスク預金: PBHCの 預金に対する貸出金の比率 ( 71% ) は 適切 です。不良債権レベル: PBHCは 不良債権 のレベルが 高い です ( 4.3 %)。健全な企業の発掘7D1Y7D1Y7D1YBanks 業界の健全な企業。View Dividend企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/29 22:38終値2026/07/29 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Pathfinder Bancorp, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Declared Dividend • Jul 02First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th July 2026 Payment date: 7th August 2026 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability.
Board Change • Jul 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 7 highly experienced directors. President, CEO & Director Jim Dowd was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Jun 30Pathfinder Bancorp, Inc. Declares Dividend, Payable on August 7, 2026Pathfinder Bancorp, Inc., has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock relating to the fiscal quarter ending June 30, 2026. The second quarter 2026 dividend will be payable to all shareholders of record on July 17, 2026 and will be paid on August 7, 2026.
Buy Or Sell Opportunity • May 04Now 24% undervaluedOver the last 90 days, the stock has risen 9.4% to US$13.30. The fair value is estimated to be US$17.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.0% over the last 3 years. Meanwhile, the company became loss making.
お知らせ • May 02Pathfinder Bancorp, Inc. Reports Net Loan Charge Offs for the First Quarter Ended March 31, 2026Pathfinder Bancorp, Inc. reported net loan charge offs for the first quarter ended March 31, 2026. For the period, the company reported net loan charge-offs of $284,000 compared to $340,000 a year ago.
お知らせ • Apr 23Pathfinder Bancorp, Inc., Annual General Meeting, Jun 04, 2026Pathfinder Bancorp, Inc., Annual General Meeting, Jun 04, 2026. Location: events center, 25 east first street, oswego, 13126, new york United States
Buy Or Sell Opportunity • Apr 13Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.6% to US$13.41. The fair value is estimated to be US$17.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.
Declared Dividend • Apr 03Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th April 2026 Payment date: 8th May 2026 Dividend yield will be 3.1%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability.
お知らせ • Apr 01Pathfinder Bancorp, Inc. Declares Dividend to Fiscal Quarter Ending March 31, 2026, Payable on May 8, 2026James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock fand a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2026. The first quarter 2026 dividend will be payable to all shareholders of record on April 17, 2026 and will be paid on May 8, 2026.
Buy Or Sell Opportunity • Mar 26Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.2% to US$13.12. The fair value is estimated to be US$16.98, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.
Recent Insider Transactions Derivative • Mar 15Independent Director exercised options to buy US$120k worth of stock.On the 13th of March, Adam Gagas exercised options to buy 9k shares at a strike price of around US$11.35, costing a total of US$100k. This transaction amounted to 4.5% of their direct individual holding at the time of the trade. Since June 2025, Adam's direct individual holding has increased from 189.15k shares to 193.22k. Company insiders have collectively bought US$592k more than they sold, via options and on-market transactions, in the last 12 months.
Buy Or Sell Opportunity • Feb 27Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.2% to US$13.13. The fair value is estimated to be US$16.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.
Recent Insider Transactions Derivative • Feb 06Senior VP exercised options to buy US$65k worth of stock.On the 4th of February, William O'Brien exercised options to buy 5k shares at a strike price of around US$10.81, costing a total of US$54k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Since March 2025, William's direct individual holding has increased from 26.93k shares to 27.35k. Company insiders have collectively bought US$165k more than they sold, via options and on-market transactions, in the last 12 months.
Buy Or Sell Opportunity • Feb 03Now 27% undervalued after recent price dropOver the last 90 days, the stock has fallen 19% to US$12.16. The fair value is estimated to be US$16.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 6.1% over the last 3 years. Meanwhile, the company became loss making.
Reported Earnings • Feb 01Full year 2025 earnings released: US$0.56 loss per share (vs US$0.56 profit in FY 2024)Full year 2025 results: US$0.56 loss per share (down from US$0.56 profit in FY 2024). Revenue: US$30.5m (down 23% from FY 2024). Net loss: US$3.42m (down 201% from profit in FY 2024). Net interest margin (NIM): 3.21% (up from 2.98% in FY 2024). Cost-to-income ratio: 69.1% (down from 72.8% in FY 2024). Non-performing loans: 3.07% (up from 2.40% in FY 2024). Over the last 3 years on average, earnings per share has fallen by 60% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
お知らせ • Jan 30Pathfinder Bancorp, Inc. Reports Net Loan Charge-Offs for the Fourth Quarter Ended December 31, 2025Pathfinder Bancorp, Inc. reported net loan charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net loan charge-offs of $604,000, compared to $1,020,000 reported a year ago.
Upcoming Dividend • Jan 09Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 16 January 2026. Payment date: 06 February 2026. Payout ratio is a comfortable 37% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (2.3%).
Declared Dividend • Dec 26Third quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 16th January 2026 Payment date: 6th February 2026 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 59% to shift the payout ratio to a potentially unsustainable range, which is more than the 1.8% EPS decline seen over the last 5 years.
お知らせ • Dec 24Pathfinder Bancorp, Inc. announces Quarterly dividend, payable on February 06, 2026Pathfinder Bancorp, Inc. announced Quarterly dividend of USD 0.1000 per share payable on February 06, 2026, ex-date on January 16, 2026 and record date on January 16, 2026.
Recent Insider Transactions Derivative • Nov 23Independent Chairman of Board exercised options to buy US$64k worth of stock.On the 20th of November, William Barclay exercised options to buy 5k shares at a strike price of around US$11.35, costing a total of US$51k. This transaction amounted to 5.2% of their direct individual holding at the time of the trade. Since June 2025, William has owned 86.25k shares directly. Company insiders have collectively sold US$119k more than they bought, via options and on-market transactions in the last 12 months.
お知らせ • Oct 31Pathfinder Bancorp, Inc. Reports Net Loan Charge Offs for the Third Quarter Ended September 30, 2025Pathfinder Bancorp, Inc. reported net loan charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net loan charge offs of $670,000 against $8,722,000 reported a year ago.
分析記事 • Oct 03Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend of $0.10 per share on...
Declared Dividend • Oct 02Second quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th October 2025 Payment date: 7th November 2025 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 13% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 58% to bring the payout ratio under control. However, EPS has declined by 25% over the last 5 years so the company would need to reverse this trend.
お知らせ • Sep 30Pathfinder Bancorp, Inc. Declares Third Quarter 2025 Dividend, Payable on November 7, 2025Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2025. The third quarter 2025 dividend will be payable to all shareholders of record on October 17, 2025 and will be paid on November 7, 2025.
Buy Or Sell Opportunity • Aug 05Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.9% to US$14.30. The fair value is estimated to be US$17.91, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 5.9% over the last 3 years. Earnings per share has declined by 49%.
New Risk • Aug 02New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 169% Current dividend yield: 2.7% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 11% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (169% payout ratio). Profit margins are more than 30% lower than last year (3.7% net profit margin). Market cap is less than US$100m (US$89.8m market cap).
Reported Earnings • Aug 02Second quarter 2025 earnings released: EPS: US$0.005 (vs US$0.32 in 2Q 2024)Second quarter 2025 results: EPS: US$0.005 (down from US$0.32 in 2Q 2024). Revenue: US$8.10m (down 22% from 2Q 2024). Net income: US$31.0k (down 98% from 2Q 2024). Profit margin: 0.4% (down from 19% in 2Q 2024). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
分析記事 • Jul 05Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) will pay a dividend of $0.10 on the 8th of August. Based on this payment, the...
Declared Dividend • Jul 05First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 18th July 2025 Payment date: 8th August 2025 Dividend yield will be 2.6%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 16% to shift the payout ratio to a potentially unsustainable range, which is more than the 11% EPS decline seen over the last 5 years.
お知らせ • Jul 01Pathfinder Bancorp, Inc. Declares Dividend for the Second Quarter of 2025, Payable on August 8, 2025Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2025. The second quarter 2025 dividend will be payable to all shareholders of record on July 18, 2025 and will be paid on August 8, 2025.
Reported Earnings • May 02First quarter 2025 earnings released: EPS: US$0.63 (vs US$0.26 in 1Q 2024)First quarter 2025 results: EPS: US$0.63 (up from US$0.26 in 1Q 2024). Revenue: US$12.2m (up 17% from 1Q 2024). Net income: US$2.97m (up 85% from 1Q 2024). Profit margin: 25% (up from 15% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings.
New Risk • May 01New major risk - Revenue and earnings growthEarnings have declined by 1.5% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (95% payout ratio). Profit margins are more than 30% lower than last year (6.5% net profit margin). Significant insider selling over the past 3 months (US$149k sold). Market cap is less than US$100m (US$84.2m market cap).
お知らせ • May 01Pathfinder Bancorp, Inc. Reports Net Charge Offs for the First Quarter of 2025Pathfinder Bancorp, Inc. reported net charge offs for the first quarter of 2025. Net charge offs (“NCOs”) after recoveries were $340,000 or an annualized 0.15% of average loans in the first quarter of 2025, with gross charge offs for consumer loans, purchased loan pools, and commercial loans offsetting recoveries in each of these categories. NCOs were $1.0 million or an annualized 0.44% of average loans in the linked quarter and $30,000 or 0.01% in the prior year period.
お知らせ • Apr 25Pathfinder Bancorp, Inc., Annual General Meeting, Jun 05, 2025Pathfinder Bancorp, Inc., Annual General Meeting, Jun 05, 2025. Location: events center, 25 east first street, new york 13126, oswego United States
分析記事 • Apr 04Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10Pathfinder Bancorp, Inc.'s ( NASDAQ:PBHC ) investors are due to receive a payment of $0.10 per share on 9th of May...
Declared Dividend • Apr 03Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 17th April 2025 Payment date: 9th May 2025 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to decline by 28% to shift the payout ratio to a potentially unsustainable range, which is more than the 5.1% EPS decline seen over the last 5 years.
お知らせ • Apr 01Pathfinder Bancorp, Inc. Declares Cash Dividend for the Fiscal Quarter Ending March 31, 2025, Payable on May 9, 2025Pathfinder Bancorp, Inc. announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2025. The first quarter 2025 dividend will be payable to all shareholders of record on April 18, 2025 and will be paid on May 9, 2025.
New Risk • Mar 30New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$94.1m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Profit margins are more than 30% lower than last year (9.4% net profit margin). Significant insider selling over the past 3 months (US$149k sold). Market cap is less than US$100m (US$94.1m market cap).
Recent Insider Transactions • Feb 25Insider recently sold US$85k worth of stockOn the 20th of February, Ronald Tascarella sold around 5k shares on-market at roughly US$17.00 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$137k. Insiders have been net sellers, collectively disposing of US$258k more than they bought in the last 12 months.
Reported Earnings • Feb 02Full year 2024 earnings released: EPS: US$0.60 (vs US$1.16 in FY 2023)Full year 2024 results: EPS: US$0.60 (down from US$1.16 in FY 2023). Revenue: US$40.0m (down 2.8% from FY 2023). Net income: US$3.76m (down 47% from FY 2023). Profit margin: 9.4% (down from 17% in FY 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Jan 12Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 17 January 2025. Payment date: 07 February 2025. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.7%). In line with average of industry peers (2.7%).
New Risk • Jan 12New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$95.8m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (156% payout ratio). Profit margins are more than 30% lower than last year (4.3% net profit margin). Significant insider selling over the past 3 months (US$155k sold). Market cap is less than US$100m (US$95.8m market cap).
Declared Dividend • Dec 29Third quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 17th January 2025 Payment date: 7th February 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 73% to bring the payout ratio under control. However, EPS has declined by 19% over the last 5 years so the company would need to reverse this trend.
お知らせ • Dec 24Pathfinder Bancorp, Inc. Declares Cash Dividend for the Fiscal Fourth Quarter Ending December 31, 2024, Payable on February 7, 2025Pathfinder Bancorp, Inc. declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2024. The fourth quarter 2024 dividend will be payable to all shareholders of record on January 17, 2025 and will be paid on February 7, 2025.
Recent Insider Transactions • Dec 10Independent Director recently sold US$137k worth of stockOn the 5th of December, Eric Allyn sold around 8k shares on-market at roughly US$16.80 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$133k more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Dec 06Independent Director notifies of intention to sell stockEric Allyn intends to sell 14k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of December. If the sale is conducted around the recent share price of US$17.00, it would amount to US$243k. Since June 2024, Eric has owned 50.39k shares directly. Company insiders have collectively bought US$201k more than they sold, via options and on-market transactions, in the last 12 months.
Recent Insider Transactions Derivative • Nov 22Senior VP & Chief Information Officer exercised options to buy US$239k worth of stock.On the 20th of November, Daniel Phillips exercised options to buy 13k shares at a strike price of around US$11.35, costing a total of US$151k. This transaction amounted to 29% of their direct individual holding at the time of the trade. Since March 2024, Daniel's direct individual holding has increased from 41.43k shares to 45.16k. Company insiders have collectively bought US$175k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Nov 01Third quarter 2024 earnings released: US$0.76 loss per share (vs US$0.27 profit in 3Q 2023)Third quarter 2024 results: US$0.76 loss per share (down from US$0.27 profit in 3Q 2023). Revenue: US$4.47m (down 57% from 3Q 2023). Net loss: US$4.64m (down 382% from profit in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 29% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • Oct 18Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$18.91, the stock trades at a trailing P/E ratio of 17.5x. Average trailing P/E is 12x in the Banks industry in the US. Total returns to shareholders of 19% over the past three years.
Declared Dividend • Oct 03Second quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 18th October 2024 Payment date: 8th November 2024 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 8.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Oct 01Pathfinder Bancorp, Inc. Declares Cash Dividend for the Third Quarter Ended September 30, 2024, Payable on November 8, 2024Pathfinder Bancorp, Inc. has announced that the company has declared a cash dividend of $0.10 per share on the company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ended September 30, 2024. The third quarter 2024 dividend will be payable to all shareholders of record on October 18, 2024 and will be paid on November 8, 2024.
お知らせ • Sep 29Pathfinder Bancorp, Inc. Announces Executive ChangesPathfinder Bancorp, Inc. announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30, 2024. Joseph Serbun has been appointed as Senior Vice President, Chief Credit Officer effective immediately. Joseph Serbun to Assume SVP and Chief Credit Officer Role. Serbun joined Pathfinder Bank in 2023 as Special Assets Manager after retiring from his role as President of Retail Banking at Community Bank in September of 2022. Serbun came to Pathfinder Bank with 40 years of banking experience and extensive knowledge of their markets, having served in key senior management roles, including chief credit officer, chief banking officer and president of retail banking. Serbun earned a BA, in economics from SUNY Oneonta. He has served as a board member and volunteered at several local community minded organizations.
Recent Insider Transactions • Sep 19Senior VP & Chief Information Officer recently sold US$78k worth of stockOn the 16th of September, Daniel Phillips sold around 5k shares on-market at roughly US$15.64 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$24k more than they sold in the last 12 months.
Recent Insider Transactions Derivative • Sep 18Senior VP & Chief Information Officer notifies of intention to sell stockDaniel Phillips intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 16th of September. If the sale is conducted around the recent share price of US$15.64, it would amount to US$78k. Since March 2024, Daniel's direct individual holding has decreased from 41.43k shares to 40.38k. Company insiders have collectively bought US$102k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$0.33 (vs US$0.25 in 2Q 2023)Second quarter 2024 results: EPS: US$0.33 (up from US$0.25 in 2Q 2023). Revenue: US$10.4m (up 7.5% from 2Q 2023). Net income: US$2.00m (up 34% from 2Q 2023). Profit margin: 19% (up from 16% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.
Valuation Update With 7 Day Price Move • Jul 22Investor sentiment improves as stock rises 29%After last week's 29% share price gain to US$17.37, the stock trades at a trailing P/E ratio of 15.9x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 16% over the past three years.
Declared Dividend • Jul 05First quarter dividend of US$0.10 announcedShareholders will receive a dividend of US$0.10. Ex-date: 19th July 2024 Payment date: 9th August 2024 Dividend yield will be 2.9%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 5.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Jul 02Pathfinder Bancorp, Inc. Declares Second Quarter 2024 Dividend, Payable on August 9, 2024Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2024. The second quarter 2024 dividend will be payable to all shareholders of record on July 19, 2024 and will be paid on August 9, 2024.
お知らせ • Jun 10Pathfinder Bancorp, Inc. Elects Tony Scavuzzo as DirectorPathfinder Bancorp, Inc. at its AGM held on June 06, 2024 elected Tony Scavuzzo as director.
お知らせ • May 09+ 1 more updatePathfinder Bancorp, Inc Announces Executive ChangesPathfinder Bancorp, Inc. announced that Walter F. Rusnak, CPA, 70, Chief Financial Officer, will retire from the role after a career spanning more than forty years in finance effective June 28, 2024. Justin K. Bigham, CPA, 50, has been named to succeed Rusnak as Chief Financial Officer. Rusnak will remain with the company in an advisory capacity to ensure a smooth transition and to continue to oversee the Bank’s investment securities portfolio and overall balance sheet management. Rusnak joined Pathfinder Bank in 2015 and has held a number of positions in accounting and finance, including Vice President of Finance and First Vice President of Finance and Accounting. Prior to his time at Pathfinder Bank, Rusnak was an advisory board member and founding principal of Ovitz Corporation, where he advised and supported the financial operations and corporate governance in a start-up medical device company and has held several roles in publicly traded banks and regional credit unions across the country. Rusnak is a CPA and received his MBA in Finance from the State University of New York, Buffalo with a Bachelor of Science degree in Accounting from Canisius College. Bigham comes to Pathfinder Bank with more than 25 years’ experience and an impressive background in Financial Services. Bigham has served in several key roles at various large public companies including his most recent position as Executive Vice President and Chief Community Banking Officer at Five Star Bank, after serving previously as their Chief Financial Officer. Prior to his time at Five Star Bank, he served as Director of Financial Planning and Treasury at HealthNow New York and spent six years in senior positions at First Niagara in both finance and business line capacities, following seven years in increasingly responsible positions within the Finance Division at M&T Bank. Bigham earned a Bachelor of Business Administration degree from St. Bonaventure University and is a Certified Public Accountant.
Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.42 in 1Q 2023)First quarter 2024 results: EPS: US$0.35 (down from US$0.42 in 1Q 2023). Revenue: US$10.4m (down 4.2% from 1Q 2023). Net income: US$2.12m (down 17% from 1Q 2023). Profit margin: 20% (down from 23% in 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 4% per year.
お知らせ • Apr 23Pathfinder Bancorp, Inc., Annual General Meeting, Jun 06, 2024Pathfinder Bancorp, Inc., Annual General Meeting, Jun 06, 2024, at 10:00 Eastern Standard Time. Location: Bayshore Grove, 78 Bayshore Road Oswego New York United States Agenda: To The election of three directors; to the approval of the Pathfinder Bancorp, Inc. 2024 Equity Incentive Plan; to consider the approval of an advisory non-binding resolution regarding the compensation of our named executive officers (“Say-on-Pay"); and to discuss other matters.
分析記事 • Apr 05Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last YearThe board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will be increasing its dividend by 11% on...
Declared Dividend • Apr 04Fourth quarter dividend increased to US$0.10Dividend of US$0.10 is 11% higher than last year. Ex-date: 18th April 2024 Payment date: 10th May 2024 Dividend yield will be 3.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 3.6% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 02Pathfinder Bancorp, Inc. Declares Cash Dividend for Fiscal Quarter Ending March 31, 2024, Will Be Paid on May 10, 2024Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common stock and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2024. The declared quarterly cash dividends on the Company's voting common and non-voting common stock, as well as for the issued warrant, relating to the fiscal quarter ended March 31, 2024, represents a $0.01 per share, or 11.1%, increase as compared to the $0.09 per share cash dividend declared on the Company's voting common stock and non-voting common stock, and the cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ended December 31, 2023. The first quarter 2024 dividend will be payable to all shareholders of record on April 19, 2024 and will be paid on May 10, 2024.
Reported Earnings • Mar 25Full year 2023 earnings released: EPS: US$1.16 (vs US$1.64 in FY 2022)Full year 2023 results: EPS: US$1.16 (down from US$1.64 in FY 2022). Revenue: US$41.2m (down 7.6% from FY 2022). Net income: US$7.02m (down 28% from FY 2022). Profit margin: 17% (down from 22% in FY 2022). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.95% (down from 3.24% in FY 2022). Cost-to-income ratio: 66.6% (up from 61.1% in FY 2022). Non-performing loans: 1.92% (up from 1.00% in FY 2022). Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has fallen by 6% per year.
Valuation Update With 7 Day Price Move • Feb 08Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$11.75, the stock trades at a trailing P/E ratio of 7.7x. Average trailing P/E is 9x in the Banks industry in the US. Total loss to shareholders of 7.5% over the past three years.
Reported Earnings • Feb 02Full year 2023 earnings released: EPS: US$1.53 (vs US$1.64 in FY 2022)Full year 2023 results: EPS: US$1.53 (down from US$1.64 in FY 2022). Revenue: US$41.2m (down 7.6% from FY 2022). Net income: US$9.29m (down 4.4% from FY 2022). Profit margin: 23% (in line with FY 2022). Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 1% per year.
お知らせ • Dec 27Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending December 31, 2023, Payable on February 2, 2024Pathfinder Bancorp, Inc. announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2023. The fourth quarter 2023 dividend will be payable to all shareholders of record on January 12, 2024 and will be paid on February 2, 2024.
Valuation Update With 7 Day Price Move • Dec 26Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$15.24, the stock trades at a trailing P/E ratio of 11.9x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 47% over the past three years.
New Risk • Nov 19New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.1% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (2.1% increase in shares outstanding). Market cap is less than US$100m (US$78.8m market cap).
Reported Earnings • Nov 03Third quarter 2023 earnings released: EPS: US$0.36 (vs US$0.40 in 3Q 2022)Third quarter 2023 results: EPS: US$0.36 (down from US$0.40 in 3Q 2022). Revenue: US$10.4m (down 7.2% from 3Q 2022). Net income: US$2.18m (down 9.0% from 3Q 2022). Profit margin: 21% (in line with 3Q 2022). Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 7% per year.
Upcoming Dividend • Oct 12Upcoming dividend of US$0.09 per share at 2.7% yieldEligible shareholders must have bought the stock before 19 October 2023. Payment date: 10 November 2023. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of American dividend payers (5.1%). Lower than average of industry peers (3.9%).
お知らせ • Oct 05Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending September 30, 2023, Payable on November 10, 2023Pathfinder Bancorp, Inc. has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2023. The third quarter 2023 dividend will be payable to all shareholders of record on October 20, 2023 and will be paid on November 10, 2023.
Recent Insider Transactions Derivative • Sep 13Senior VP & Chief Information Officer notifies of intention to sell stockDaniel Phillips intends to sell 4k shares in the next 90 days after lodging an Intent To Sell Form on the 11th of September. If the sale is conducted around the recent share price of US$12.99, it would amount to US$52k. Since December 2022, Daniel's direct individual holding has decreased from 33.80k shares to 33.30k. Company insiders have collectively bought US$544k more than they sold, via options and on-market transactions, in the last 12 months.
New Risk • Aug 20New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$183k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Significant insider selling over the past 3 months (US$183k sold). Market cap is less than US$100m (US$77.9m market cap).
Recent Insider Transactions • Aug 18Insider recently sold US$183k worth of stockOn the 15th of August, Calvin Corriders sold around 13k shares on-market at roughly US$14.04 per share. This transaction amounted to 25% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$75k more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Aug 18Insider notifies of intention to sell stockCalvin Corriders intends to sell 10k shares in the next 90 days after lodging an Intent To Sell Form on the 15th of August. If the sale is conducted around the recent share price of US$13.96, it would amount to US$140k. Since March 2023, Calvin has owned 34.55k shares directly. Company insiders have collectively bought US$536k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Aug 02Second quarter 2023 earnings released: EPS: US$0.33 (vs US$0.41 in 2Q 2022)Second quarter 2023 results: EPS: US$0.33 (down from US$0.41 in 2Q 2022). Revenue: US$9.68m (down 14% from 2Q 2022). Net income: US$1.98m (down 19% from 2Q 2022). Profit margin: 21% (down from 22% in 2Q 2022). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 16% per year.
Upcoming Dividend • Jul 13Upcoming dividend of US$0.09 per share at 2.5% yieldEligible shareholders must have bought the stock before 20 July 2023. Payment date: 11 August 2023. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.5%).
お知らせ • Jul 04Pathfinder Bancorp, Inc. Declares Dividend for the Second Quarter Ended June 30, 2023, Payable on August 11, 2023James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2023. The second quarter 2023 dividend will be payable to all shareholders of record on July 21, 2023 and will be paid on August 11, 2023.
Recent Insider Transactions Derivative • May 07Independent Chairman of the Board exercised options to buy US$119k worth of stock.On the 4th of May, Chris Burritt exercised options to buy 9k shares at a strike price of around US$11.35, costing a total of US$100k. This transaction amounted to 18% of their direct individual holding at the time of the trade. Chris currently holds less than 1% of total shares outstanding. Company insiders have collectively bought US$420k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • May 03First quarter 2023 earnings released: EPS: US$0.43 (vs US$0.49 in 1Q 2022)First quarter 2023 results: EPS: US$0.43 (down from US$0.49 in 1Q 2022). Revenue: US$10.9m (flat on 1Q 2022). Net income: US$2.60m (down 10.0% from 1Q 2022). Profit margin: 24% (down from 26% in 1Q 2022). Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Buying Opportunity • Apr 26Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 18%. The fair value is estimated to be US$19.58, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 23%.
Upcoming Dividend • Apr 14Upcoming dividend of US$0.09 per share at 2.2% yieldEligible shareholders must have bought the stock before 21 April 2023. Payment date: 19 May 2023. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.7%).
分析記事 • Apr 07Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend on the 19th of May...
Buying Opportunity • Mar 29Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 4.3%. The fair value is estimated to be US$22.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 27%.
Buying Opportunity • Mar 13Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 6.2%. The fair value is estimated to be US$22.17, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 27%.
Reported Earnings • Feb 01Full year 2022 earnings released: EPS: US$2.17 (vs US$1.78 in FY 2021)Full year 2022 results: EPS: US$2.17 (up from US$1.78 in FY 2021). Revenue: US$44.6m (up 2.4% from FY 2021). Net income: US$12.9m (up 39% from FY 2021). Profit margin: 29% (up from 21% in FY 2021). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Jan 06Upcoming dividend of US$0.09 per shareEligible shareholders must have bought the stock before 13 January 2023. Payment date: 10 February 2023. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.1%).
お知らせ • Dec 28Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending December 31, 2022, Payable on February 10, 2023James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2022. The fourth quarter 2022 dividend will be payable to all shareholders of record on January 17, 2023 and will be paid on February 10, 2023.
Reported Earnings • Nov 20Third quarter 2022 earnings released: EPS: US$0.54 (vs US$0.43 in 3Q 2021)Third quarter 2022 results: EPS: US$0.54 (up from US$0.43 in 3Q 2021). Revenue: US$11.2m (flat on 3Q 2021). Net income: US$3.18m (up 26% from 3Q 2021). Profit margin: 28% (up from 22% in 3Q 2021). Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Nov 01Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: US$11.2m (flat on 3Q 2021). Net income: US$3.18m (up 26% from 3Q 2021). Profit margin: 28% (up from 22% in 3Q 2021).
Upcoming Dividend • Oct 06Upcoming dividend of US$0.09 per shareEligible shareholders must have bought the stock before 13 October 2022. Payment date: 11 November 2022. Payout ratio is a comfortable 19% and this is well supported by cash flows. Trailing yield: 1.7%. Lower than top quartile of American dividend payers (4.5%). Lower than average of industry peers (3.3%).
お知らせ • Sep 27Pathfinder Bancorp, Inc. Declares Dividend, to Be Paid on November 11, 2022James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the Company has declared a cash dividend of $0.09 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.09 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2022. The third quarter 2022 dividend will be payable to all shareholders of record on October 14, 2022 and will be paid on November 11, 2022.
Seeking Alpha • Sep 26Pathfinder declares $0.09 dividendPathfinder (NASDAQ:PBHC) declares $0.09/share quarterly dividend, in line with previous. Forward yield 1.71% Payable Nov. 11; for shareholders of record Oct. 14; ex-div Oct. 13. See PBHC Dividend Scorecard, Yield Chart, & Dividend Growth.
お知らせ • Sep 14Pathfinder Bancorp, Inc. Announces Resignation of Thomas W. Schneider as Director of Capital Markets and Corporate StrategyPathfinder Bancorp, Inc. announced that on September 7, 2022, Thomas W. Schneider resigned as Director of Capital Markets and Corporate Strategy.
Buying Opportunity • Aug 07Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 2.9%. The fair value is estimated to be US$24.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 32%.