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12.45 (1y: +25%)
Market Cap 32.7 M P/E(ttm) 13.50
Enterprise Value 74.91 M P/B 0.90
PBHC- NAS (USA)
Pathfinder Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$12.45
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 0.266
PBHC's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.266 )
PBHC' s 10-Year Cash to Debt Range
Min: 0.09   Max: 0.44
Current: 0.27
0.09
0.44
Equity to Asset 0.077
PBHC's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.077 )
PBHC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.08
Current: 0.08
0.04
0.08
Interest Coverage No Debt
PBHC's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: No Debt )
PBHC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry		 vs
history
Operating margin (%) 20.00
PBHC's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 20.00 )
PBHC' s 10-Year Operating margin (%) Range
Min: 3.8   Max: 22.1
Current: 20
3.8
22.1
Net-margin (%) 14.8
PBHC's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 14.8 )
PBHC' s 10-Year Net-margin (%) Range
Min: 3.3   Max: 16.5
Current: 14.8
3.3
16.5
ROE (%) 6.5
PBHC's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 6.5 )
PBHC' s 10-Year ROE (%) Range
Min: 1.7   Max: 8.2
Current: 6.5
1.7
8.2
ROA (%) 0.6
PBHC's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.6 )
PBHC' s 10-Year ROA (%) Range
Min: 0.1   Max: 0.7
Current: 0.6
0.1
0.7
ROC (Joel Greenblatt) (%) 42.40
PBHC's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 42.40 )
PBHC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.7   Max: 6258.3
Current: 42.4
2.7
6258.3
Revenue Growth (%) 4.8
PBHC's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 4.8 )
PBHC' s 10-Year Revenue Growth (%) Range
Min: -2.6   Max: 11.1
Current: 4.8
-2.6
11.1
EBITDA Growth (%) 6.6
PBHC's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 6.6 )
PBHC' s 10-Year EBITDA Growth (%) Range
Min: -8.6   Max: 32.2
Current: 6.6
-8.6
32.2
EPS Growth (%) 9.3
PBHC's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 9.3 )
PBHC' s 10-Year EPS Growth (%) Range
Min: -18.9   Max: 47.9
Current: 9.3
-18.9
47.9
ยป PBHC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 13.50
PBHC's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 13.50 )
PBHC' s 10-Year P/E(ttm) Range
Min: 8.07   Max: 258.33
Current: 13.5
8.07
258.33
P/B 0.90
PBHC's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.90 )
PBHC' s 10-Year P/B Range
Min: 0.44   Max: 2.32
Current: 0.9
0.44
2.32
P/S 1.70
PBHC's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 1.70 )
PBHC' s 10-Year P/S Range
Min: 0.89   Max: 4.27
Current: 1.7
0.89
4.27
PFCF 6.70
PBHC's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 6.70 )
PBHC' s 10-Year PFCF Range
Min: 2.29   Max: 88.68
Current: 6.7
2.29
88.68
EV-to-EBIT 22.2
PBHC's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 22.2 )
PBHC' s 10-Year EV-to-EBIT Range
Min: 12.3   Max: 5484.2
Current: 22.2
12.3
5484.2
PEG 0.4
PBHC's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.4 )
PBHC' s 10-Year PEG Range
Min: 0.5   Max: 104.55
Current: 0.4
0.5
104.55
Shiller P/E 19.9
PBHC's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 19.9 )
PBHC' s 10-Year Shiller P/E Range
Min: 10.8   Max: 43.26
Current: 19.9
10.8
43.26

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.90
PBHC's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.90 )
PBHC' s 10-Year Dividend Yield Range
Min: 0.76   Max: 8.67
Current: 0.9
0.76
8.67
Dividend Payout 0.1
PBHC's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.1 )
PBHC' s 10-Year Dividend Payout Range
Min: 0.11   Max: 2.77
Current: 0.1
0.11
2.77
Dividend growth (3y) -11.2
PBHC's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: -11.2 )
PBHC' s 10-Year Dividend growth (3y) Range
Min: -26.4   Max: 13.6
Current: -11.2
-26.4
13.6
Yield on cost (5-Year) 0.23
PBHC's Yield on cost (5-Year) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.23 )
PBHC' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 2
Current: 0.23
0.18
2
Share Buyback Rate -0.3
PBHC's Share Buyback Rate is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: -0.3 )
PBHC' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -0.5
Current: -0.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
PBHC's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.8 )
PBHC' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 2.7
Current: 0.8
0.5
2.7
Price/DCF (Projected) 0.6
PBHC's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.6 )
PBHC' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.2
Current: 0.6
0.2
1.2
Price/Median PS Value 0.7
PBHC's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.7 )
PBHC' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.6
Current: 0.7
0.4
1.6
Price/Peter Lynch Fair Value 0.6
PBHC's Price/Peter Lynch Fair Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.6 )
PBHC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 2.1
Current: 0.6
0.5
2.1
Price/Graham Number 0.7
PBHC's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 0.7 )
PBHC' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 2.4
Current: 0.7
0.5
2.4
Earnings Yield (Greenblatt) 4.50
PBHC's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 4.50 )
PBHC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 8.1
Current: 4.5
0.2
8.1
Forward Rate of Return (Yacktman) 29.63
PBHC's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. PBHC: 29.63 )
PBHC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.5   Max: 33.7
Current: 29.63
5.5
33.7

Business Description

Pathfinder Bancorp, Inc is a federally chartered mid-tier holding company. The main business of the Company is its investment in Pathfinder Bank (the 'Bank'). The Bank is primarily engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-family residential real estate, commercial real estate, small business loans, and consumer loans. The Bank invests a portion of its assets in securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The Bank also invests in mortgage-backed securities primarily issued or guaranteed by United States Government sponsored enterprises. The Bank's principal sources of funds are deposits, principal and interest payments on loans and investments, as well as borrowings from correspondent financial institutions. The principal source of income is interest on loans and investment securities. The Bank's principal expenses are interest paid on deposits, employee compensation and benefits, data processing and facilities. The Bank also operates through a limited purpose commercial bank subsidiary, Pathfinder Commercial Bank, which serves the depository needs of municipalities and public entities in its market area. The Bank encounters strong competition both in attracting deposits and in originating real estate and other loans. Its most direct competition for deposits comes from commercial banks, savings banks, savings associations and credit unions in its market area. Competition for loans comes from such financial institutions as well as mortgage banking companies. The Bank is a New York-chartered stock savings bank and its deposit accounts are insured up to applicable limits by the FDIC through the Deposit Insurance Fund. The Bank is subject to extensive regulation by the New York State Department of Financial Services.
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ยป More Articles for PBHC

Headlines

Articles On GuruFocus.com
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Nov 15 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Aug 13 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) Aug 14 2009 
Pathfinder Bancorp Inc. Reports Operating Results (10-Q) May 15 2009 

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