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.
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for PBHC from our risk checks.
My Notes
NewNotes are coming soon
Pathfinder Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$18.78 |
| 52 Week High | US$21.99 |
| 52 Week Low | US$17.39 |
| Beta | 0.054 |
| 1 Month Change | -2.44% |
| 3 Month Change | -0.69% |
| 1 Year Change | 7.31% |
| 3 Year Change | 34.73% |
| 5 Year Change | 23.07% |
| Change since IPO | 437.99% |
Recent News & Updates
Recent updates
Pathfinder declares $0.09 dividend
Sep 26Pathfinder GAAP EPS of $0.54, revenue of $11.25M
Aug 01Pathfinder 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
Jul 01Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now
May 29Pathfinder reports Q1 results
May 03Here's Why I Think Pathfinder Bancorp (NASDAQ:PBHC) Might Deserve Your Attention Today
Mar 23You Have To Love Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) Dividend
Feb 15Pathfinder reports Q4 results
Feb 01Pathfinder declares $0.06 dividend
Dec 21Pathfinder Bancorp (NASDAQ:PBHC) Share Prices Have Dropped 29% In The Last Three Years
Dec 21Shareholder Returns
| PBHC | US Banks | US Market | |
|---|---|---|---|
| 7D | -1.2% | 2.7% | 1.7% |
| 1Y | 7.3% | -15.5% | -9.6% |
Return vs Industry: PBHC exceeded the US Banks industry which returned -15.5% over the past year.
Return vs Market: PBHC exceeded the US Market which returned -9.6% over the past year.
Price Volatility
| PBHC volatility | |
|---|---|
| PBHC Average Weekly Movement | 3.9% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.7% |
| 10% most volatile stocks in US Market | 17.5% |
| 10% least volatile stocks in US Market | 2.8% |
Stable Share Price: PBHC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: PBHC's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1859 | 166 | Jim Dowd | 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, Inc. Fundamentals Summary
| PBHC fundamental statistics | |
|---|---|
| Market Cap | US$111.78m |
| Earnings (TTM) | US$12.93m |
| Revenue (TTM) | US$44.56m |
8.6x
P/E Ratio1.0x
P/B RatioIs PBHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PBHC income statement (TTM) | |
|---|---|
| Revenue | US$44.56m |
| Cost of Revenue | US$0 |
| Gross Profit | US$44.56m |
| Other Expenses | US$31.63m |
| Earnings | US$12.93m |
Last Reported Earnings
Dec 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.17 |
| Gross Margin | 100.00% |
| Net Profit Margin | 29.02% |
| Debt/Equity Ratio | 91.2% |
How did PBHC perform over the long term?
See historical performance and comparison