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 Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$19.50|
|52 Week High||US$21.99|
|52 Week Low||US$15.84|
|1 Month Change||-1.07%|
|3 Month Change||-6.37%|
|1 Year Change||21.42%|
|3 Year Change||46.84%|
|5 Year Change||28.69%|
|Change since IPO||458.62%|
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).
|PBHC||US Banks||US Market|
Return vs Industry: PBHC exceeded the US Banks industry which returned -14.1% over the past year.
Return vs Market: PBHC exceeded the US Market which returned -12.8% over the past year.
|PBHC Average Weekly Movement||2.5%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||17.1%|
|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
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 Fundamentals Summary
|PBHC fundamental statistics|
Is PBHC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PBHC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||1.75|
|Net Profit Margin||22.69%|
How did PBHC perform over the long term?See historical performance and comparison
1.8%Current Dividend Yield
Is PBHC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PBHC?
Other financial metrics that can be useful for relative valuation.
|What is PBHC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does PBHC's PE Ratio compare to its peers?
|PBHC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
SABK South Atlantic Bancshares
FETM Fentura Financial
CWBK CW Bancorp
EFSI Eagle Financial Services
PBHC Pathfinder Bancorp
Price-To-Earnings vs Peers: PBHC is expensive based on its Price-To-Earnings Ratio (11.2x) compared to the peer average (9.5x).
Price to Earnings Ratio vs Industry
How does PBHC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: PBHC is expensive based on its Price-To-Earnings Ratio (11.2x) compared to the US Banks industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is PBHC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||11.2x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PBHC's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of PBHC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PBHC ($19.5) is trading below our estimate of fair value ($24.35)
Significantly Below Fair Value: PBHC is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Pathfinder Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
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- Check out Pathfinder Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
How has Pathfinder Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PBHC has high quality earnings.
Growing Profit Margin: PBHC's current net profit margins (22.7%) are higher than last year (17.5%).
Past Earnings Growth Analysis
Earnings Trend: PBHC's earnings have grown significantly by 24.8% per year over the past 5 years.
Accelerating Growth: PBHC's earnings growth over the past year (59.2%) exceeds its 5-year average (24.8% per year).
Earnings vs Industry: PBHC earnings growth over the past year (59.2%) exceeded the Banks industry 9.2%.
Return on Equity
High ROE: PBHC's Return on Equity (12.4%) is considered low.
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How is Pathfinder Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: PBHC's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: PBHC has a sufficient allowance for bad loans (164%).
Low Risk Liabilities: 91% of PBHC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBHC has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: PBHC's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: PBHC has an appropriate level of bad loans (0.9%).
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What is Pathfinder Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PBHC's dividend (1.85%) is higher than the bottom 25% of dividend payers in the US market (1.52%).
High Dividend: PBHC's dividend (1.85%) is low compared to the top 25% of dividend payers in the US market (4.09%).
Stability and Growth of Payments
Stable Dividend: PBHC's dividends per share have been stable in the past 10 years.
Growing Dividend: PBHC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (18.3%), PBHC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jim Dowd (54 yo)
Mr. James A. Dowd, also known as Jim, CPA serves as Chief Executive Officer of Pathfinder Bancorp, Inc. since April 14, 2022 and serves as its Chief Operating Officer since 2022 and serves as its Interim P...
CEO Compensation Analysis
Compensation vs Market: Jim's total compensation ($USD372.11K) is below average for companies of similar size in the US market ($USD767.72K).
Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.
Experienced Management: PBHC's management team is considered experienced (4.5 years average tenure).
Experienced Board: PBHC's board of directors are considered experienced (9.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: PBHC insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 32.5%.
Pathfinder Bancorp, Inc.'s employee growth, exchange listings and data sources
- Name: Pathfinder Bancorp, Inc.
- Ticker: PBHC
- Exchange: NasdaqCM
- Founded: 1859
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$115.486m
- Shares outstanding: 5.92m
- Website: https://www.pathfinderbank.com
Number of Employees
- Pathfinder Bancorp, Inc.
- 214 West First Street
- New York
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/06 00:00|
|End of Day Share Price||2022/08/05 00:00|
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.