Pathfinder Bancorp, Inc.

NasdaqCM:PBHC Stock Report

Market Cap: US$107.1m

Pathfinder Bancorp Past Earnings Performance

Past criteria checks 2/6

Pathfinder Bancorp has been growing earnings at an average annual rate of 7.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 6.1% per year. Pathfinder Bancorp's return on equity is 1.8%, and it has net margins of 4.3%.

Key information

7.6%

Earnings growth rate

1.2%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate6.1%
Return on equity1.8%
Net Margin4.3%
Last Earnings Update30 Sep 2024

Recent past performance 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

Revenue & Expenses Breakdown

How Pathfinder Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqCM:PBHC Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24352280
30 Jun 24417260
31 Mar 24417250
31 Dec 23417250
30 Sep 23428250
30 Jun 23439250
31 Mar 23449250
31 Dec 224510250
30 Sep 224610240
30 Jun 224610240
31 Mar 224510240
31 Dec 21449240
30 Sep 21408230
30 Jun 21376230
31 Mar 21346220
31 Dec 20335220
30 Sep 20335210
30 Jun 20335210
31 Mar 20324210
31 Dec 19314210
30 Sep 19303210
30 Jun 19293210
31 Mar 19294200
31 Dec 18284200
30 Sep 18284200
30 Jun 18274190
31 Mar 18264190
31 Dec 17253180
30 Sep 17254170
30 Jun 17243170
31 Mar 17243170
31 Dec 16243160
30 Sep 16233160
30 Jun 16233160
31 Mar 16223150
31 Dec 15223150
30 Sep 15213150
30 Jun 15213140
31 Mar 15203140
31 Dec 14203130
30 Sep 14192130
30 Jun 14182130
31 Mar 14182130
31 Dec 13182120

Quality Earnings: PBHC has high quality earnings.

Growing Profit Margin: PBHC's current net profit margins (4.3%) are lower than last year (18.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PBHC's earnings have grown by 7.6% 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 (-80.4%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: PBHC's Return on Equity (1.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/29 02:56
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