| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
PBHC Stock Overview
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York.
Pathfinder Bancorp Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$17.25 |
| 52 Week High | US$17.39 |
| 52 Week Low | US$11.36 |
| Beta | 0.079 |
| 1 Month Change | 1.23% |
| 3 Month Change | 4.86% |
| 1 Year Change | 32.18% |
| 3 Year Change | 19.79% |
| 5 Year Change | 27.97% |
| Change since IPO | 394.16% |
Recent News & Updates
Shareholder Returns
| PBHC | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.3% | -5.8% | -4.6% |
| 1Y | 32.2% | 28.1% | 7.7% |
Return vs Industry: PBHC exceeded the US Banks industry which returned 29.3% over the past year.
Return vs Market: PBHC exceeded the US Market which returned 10.2% over the past year.
Price Volatility
| PBHC volatility | |
|---|---|
| PBHC Average Weekly Movement | 2.6% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.7% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: PBHC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PBHC's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1859 | 163 | Tom Schneider | https://www.pathfinderbank.com |
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts.
Pathfinder Bancorp Fundamentals Summary
| PBHC fundamental statistics | |
|---|---|
| Market Cap | US$101.61m |
| Earnings (TTM) | US$7.86m |
| Revenue (TTM) | US$40.15m |
12.9x
P/E Ratio1.0x
P/B RatioIs PBHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PBHC income statement (TTM) | |
|---|---|
| Revenue | US$40.15m |
| Cost of Revenue | US$0 |
| Gross Profit | US$40.15m |
| Expenses | US$32.28m |
| Earnings | US$7.86m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.33 |
| Gross Margin | 100.00% |
| Net Profit Margin | 19.58% |
| Debt/Equity Ratio | 90.6% |
How did PBHC perform over the long term?
See historical performance and comparisonDividends
1.6%
Current Dividend Yield17%
Payout RatioValuation
Is Pathfinder Bancorp undervalued compared to its fair value and its price relative to the market?
12.92x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PBHC ($17.25) is trading above our estimate of fair value ($14.75)
Significantly Below Fair Value: PBHC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PBHC is poor value based on its PE Ratio (12.9x) compared to the US Banks industry average (11.2x).
PE vs Market: PBHC is good value based on its PE Ratio (12.9x) compared to the US market (17x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PBHC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PBHC is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).
Future Growth
How is Pathfinder Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
1.8%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pathfinder Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has Pathfinder Bancorp performed over the past 5 years?
15.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PBHC has high quality earnings.
Growing Profit Margin: PBHC's current net profit margins (19.6%) are higher than last year (16.4%).
Past Earnings Growth Analysis
Earnings Trend: PBHC's earnings have grown by 15.8% per year over the past 5 years.
Accelerating Growth: PBHC's earnings growth over the past year (44.7%) exceeds its 5-year average (15.8% per year).
Earnings vs Industry: PBHC earnings growth over the past year (44.7%) exceeded the Banks industry 43.7%.
Return on Equity
High ROE: PBHC's Return on Equity (9.9%) is considered low.
Financial Health
How is Pathfinder Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBHC's Assets to Equity ratio (11.8x) is moderate.
Allowance for Bad Loans: PBHC has a sufficient allowance for bad loans (160%).
Low Risk Liabilities: 91% of PBHC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBHC has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: PBHC's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: PBHC has an appropriate level of bad loans (1.1%).
Dividend
What is Pathfinder Bancorp current dividend yield, its reliability and sustainability?
1.62%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PBHC's dividend (1.62%) is higher than the bottom 25% of dividend payers in the US market (1.35%).
High Dividend: PBHC's dividend (1.62%) is low compared to the top 25% of dividend payers in the US market (3.48%).
Stability and Growth of Payments
Stable Dividend: PBHC's dividends per share have been stable in the past 10 years.
Growing Dividend: PBHC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (16.8%), PBHC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.4yrs
Average management tenure
CEO
Tom Schneider (59 yo)
22yrs
Tenure
US$564,106
Compensation
Mr. Thomas W. Schneider, also known as Tom, has been the Chief Executive Officer and President at Pathfinder Bancorp, Inc. and its subsidiary Pathfinder Bank. He has been a Treasurer of New York Bankers As...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD564.11K) is about average for companies of similar size in the US market ($USD579.29K).
Compensation vs Earnings: Tom's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: PBHC's management team is seasoned and experienced (6.4 years average tenure).
Board Members
Experienced Board: PBHC's board of directors are seasoned and experienced ( 10.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: PBHC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 26.5%.
Top Shareholders
Company Information
Pathfinder Bancorp, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: Pathfinder Bancorp, Inc.
- Ticker: PBHC
- Exchange: NasdaqCM
- Founded: 1859
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$101.605m
- Shares outstanding: 5.89m
- Website: https://www.pathfinderbank.com
Number of Employees
Location
- Pathfinder Bancorp, Inc.
- 214 West First Street
- Oswego
- New York
- 13126
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/19 23:36 |
| End of Day Share Price | 2022/01/19 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.