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PBHC

Pathfinder Bancorp NasdaqCM:PBHC Stock Report

Last Price

US$19.31

Market Cap

US$114.8m

7D

1.6%

1Y

18.8%

Updated

18 Aug, 2022

Data

Company Financials
PBHC fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends4/6

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.

Rewards

Trading at 16.9% below our estimate of its fair value

Earnings grew by 55.5% over the past year

Pays a reliable dividend of 1.86%

Risk Analysis

No risks detected for PBHC from our risk checks.

Pathfinder Bancorp, Inc. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Pathfinder Bancorp
Historical stock prices
Current Share PriceUS$19.31
52 Week HighUS$21.99
52 Week LowUS$15.84
Beta0.12
1 Month Change-0.21%
3 Month Change0.42%
1 Year Change18.83%
3 Year Change45.74%
5 Year Change25.80%
Change since IPO453.17%

Recent News & Updates

Aug 01

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

PBHCUS BanksUS Market
7D1.6%1.6%1.4%
1Y18.8%-7.2%-8.4%

Return vs Industry: PBHC exceeded the US Banks industry which returned -8.2% over the past year.

Return vs Market: PBHC exceeded the US Market which returned -9% over the past year.

Price Volatility

Is PBHC's price volatile compared to industry and market?
PBHC volatility
PBHC Average Weekly Movement2.5%
Banks Industry Average Movement3.6%
Market Average Movement7.6%
10% most volatile stocks in US Market17.1%
10% least volatile stocks in US Market3.1%

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

FoundedEmployeesCEOWebsite
1859166Jim Dowdhttps://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

How do Pathfinder Bancorp's earnings and revenue compare to its market cap?
PBHC fundamental statistics
Market CapUS$114.78m
Earnings (TTM)US$10.10m
Revenue (TTM)US$45.59m

11.4x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PBHC income statement (TTM)
RevenueUS$45.59m
Cost of RevenueUS$0
Gross ProfitUS$45.59m
Other ExpensesUS$35.49m
EarningsUS$10.10m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.70
Gross Margin100.00%
Net Profit Margin22.16%
Debt/Equity Ratio97.4%

How did PBHC perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

19%

Payout Ratio