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PBHC

Pathfinder Bancorp NasdaqCM:PBHC Stock Report

Last Price

US$19.31

Market Cap

US$114.9m

7D

-2.3%

1Y

13.6%

Updated

05 Dec, 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 10.9% below our estimate of its fair value

Earnings grew by 26.9% 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$16.81
Beta0.056
1 Month Change1.79%
3 Month Change-5.76%
1 Year Change13.59%
3 Year Change41.57%
5 Year Change26.40%
Change since IPO453.17%

Recent News & Updates

Pathfinder declares $0.09 dividend

Sep 26

Recent updates

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

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 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

Shareholder Returns

PBHCUS BanksUS Market
7D-2.3%-3.9%1.1%
1Y13.6%-18.1%-17.6%

Return vs Industry: PBHC exceeded the US Banks industry which returned -13.3% over the past year.

Return vs Market: PBHC exceeded the US Market which returned -14.9% over the past year.

Price Volatility

Is PBHC's price volatile compared to industry and market?
PBHC volatility
PBHC Average Weekly Movement4.9%
Banks Industry Average Movement4.0%
Market Average Movement7.4%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market3.3%

Stable Share Price: PBHC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: PBHC's weekly volatility (5%) 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$114.94m
Earnings (TTM)US$9.97m
Revenue (TTM)US$45.59m

11.5x

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$35.61m
EarningsUS$9.97m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.68
Gross Margin100.00%
Net Profit Margin21.88%
Debt/Equity Ratio88.4%

How did PBHC perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

20%

Payout Ratio