| 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, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$18.97 |
| 52 Week High | US$21.99 |
| 52 Week Low | US$15.84 |
| Beta | 0.12 |
| 1 Month Change | -3.85% |
| 3 Month Change | -5.10% |
| 1 Year Change | 17.46% |
| 3 Year Change | 43.17% |
| 5 Year Change | 24.11% |
| Change since IPO | 443.43% |
Recent News & Updates
Pathfinder GAAP EPS of $0.54, revenue of $11.25M
Pathfinder press release (NASDAQ:PBHC): Q2 GAAP EPS of $0.54. Revenue of $11.25M (-3.4% Y/Y).
Shareholder Returns
| PBHC | US Banks | US Market | |
|---|---|---|---|
| 7D | -3.9% | 3.0% | 1.2% |
| 1Y | 17.5% | -14.5% | -11.6% |
Return vs Industry: PBHC exceeded the US Banks industry which returned -15.3% over the past year.
Return vs Market: PBHC exceeded the US Market which returned -13.5% over the past year.
Price Volatility
| PBHC volatility | |
|---|---|
| PBHC Average Weekly Movement | 2.4% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.0% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: PBHC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: PBHC's weekly volatility (2%) 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$112.35m |
| Earnings (TTM) | US$10.35m |
| Revenue (TTM) | US$45.59m |
10.9x
P/E Ratio1.0x
P/B RatioIs PBHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PBHC income statement (TTM) | |
|---|---|
| Revenue | US$45.59m |
| Cost of Revenue | US$0 |
| Gross Profit | US$45.59m |
| Other Expenses | US$35.24m |
| Earnings | US$10.35m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.75 |
| Gross Margin | 100.00% |
| Net Profit Margin | 22.69% |
| Debt/Equity Ratio | 86.9% |
How did PBHC perform over the long term?
See historical performance and comparison