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.
Flawless balance sheet with questionable track record.
Share Price & News
How has Pathfinder Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PBHC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: PBHC underperformed the US Banks industry which returned 21% over the past year.
Return vs Market: PBHC underperformed the US Market which returned 18.2% over the past year.
Price Volatility Vs. Market
How volatile is Pathfinder Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
11 hours ago | Simply Wall StHow Should Investors Feel About Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Pay?
3 weeks ago | Simply Wall StPathfinder Bancorp, Inc. (NASDAQ:PBHC) Insiders Increased Their Holdings
1 month ago | Simply Wall StBe Sure To Check Out Pathfinder Bancorp, Inc. (NASDAQ:PBHC) Before It Goes Ex-Dividend
Is Pathfinder Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PBHC ($13.76) is trading above our estimate of fair value ($8.53)
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 (19x) compared to the Banks industry average (12.7x).
PE vs Market: PBHC is poor value based on its PE Ratio (19x) compared to the US market (18.5x).
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 (0.7x) compared to the US Banks industry average (1.2x).
How is Pathfinder Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has Pathfinder Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PBHC has high quality earnings.
Growing Profit Margin: PBHC's current net profit margins (10.6%) are lower than last year (13.8%).
Past Earnings Growth Analysis
Earnings Trend: PBHC's earnings have grown by 7.2% per year over the past 5 years.
Accelerating Growth: PBHC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PBHC had negative earnings growth (-16.7%) over the past year, making it difficult to compare to the Banks industry average (27.1%).
Return on Equity
High ROE: PBHC's Return on Equity (3.9%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: PBHC has a low level of unsold assets or inventory.
Debt Coverage by Assets: PBHC's debt is not covered by short term assets (assets are 0.5x debt).
Financial Institutions Analysis
Asset Level: PBHC's level of assets compared to its equity is moderate.
Allowance for Bad Loans: PBHC has a sufficient allowance for bad loans.
Low Risk Liabilities: PBHC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBHC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PBHC's loans are broadly funded by customer deposits.
Level of Bad Loans: PBHC has an appropriate level of bad loans (0.73%)
What is Pathfinder Bancorp's current dividend yield, its reliability and sustainability?