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Pathfinder Bancorp NasdaqCM:PBHC Stock Report

Last Price

US$17.55

Market Cap

US$107.4m

7D

-0.3%

1Y

25.3%

Updated

27 Dec, 2024

Data

Company Financials

Pathfinder Bancorp, Inc.

NasdaqCM:PBHC Stock Report

Market Cap: US$107.4m

PBHC Stock Overview

Operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. More details

PBHC fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends3/6

My Notes

Capture your thoughts, links and company narrative

Pathfinder Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Pathfinder Bancorp
Historical stock prices
Current Share PriceUS$17.55
52 Week HighUS$19.86
52 Week LowUS$11.41
Beta0.23
1 Month Change-2.50%
3 Month Change9.07%
1 Year Change25.27%
3 Year Change2.21%
5 Year Change26.71%
Change since IPO402.75%

Recent News & Updates

Recent updates

Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year

Apr 05
Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year

Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09

Apr 07
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09

Pathfinder declares $0.09 dividend

Sep 26

Pathfinder GAAP EPS of $0.54, revenue of $11.25M

Aug 01

Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Mar 31
Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Jul 01
Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now

May 29
Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now

Pathfinder reports Q1 results

May 03

Here's Why I Think Pathfinder Bancorp (NASDAQ:PBHC) Might Deserve Your Attention Today

Mar 23
Here's Why I Think Pathfinder Bancorp (NASDAQ:PBHC) Might Deserve Your Attention Today

You Have To Love Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) Dividend

Feb 15
You Have To Love Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) Dividend

Pathfinder reports Q4 results

Feb 01

Pathfinder declares $0.06 dividend

Dec 21

Pathfinder Bancorp (NASDAQ:PBHC) Share Prices Have Dropped 29% In The Last Three Years

Dec 21
Pathfinder Bancorp (NASDAQ:PBHC) Share Prices Have Dropped 29% In The Last Three Years

Shareholder Returns

PBHCUS BanksUS Market
7D-0.3%0.8%0.6%
1Y25.3%29.4%23.8%

Return vs Industry: PBHC underperformed the US Banks industry which returned 29.6% over the past year.

Return vs Market: PBHC matched the US Market which returned 24.6% over the past year.

Price Volatility

Is PBHC's price volatile compared to industry and market?
PBHC volatility
PBHC Average Weekly Movement6.6%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market17.6%
10% least volatile stocks in US Market3.1%

Stable Share Price: PBHC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PBHC's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1859168Jim Dowdwww.pathfinderbank.com

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company’s deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; 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, Inc. Fundamentals Summary

How do Pathfinder Bancorp's earnings and revenue compare to its market cap?
PBHC fundamental statistics
Market capUS$107.36m
Earnings (TTM)US$1.52m
Revenue (TTM)US$35.49m

70.3x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PBHC income statement (TTM)
RevenueUS$35.49m
Cost of RevenueUS$0
Gross ProfitUS$35.49m
Other ExpensesUS$33.97m
EarningsUS$1.52m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.25
Gross Margin100.00%
Net Profit Margin4.29%
Debt/Equity Ratio107.5%

How did PBHC perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

156%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 12:11
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pathfinder Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution