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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:OTCPK:GRRB, NAS:ANCB, OTCPK:BHWB, NAS:HFBL, NAS:JXSB, NAS:UCBA, NAS:PBSK, NAS:WAYN, OTCPK:LTLB, NAS:GTWN, NAS:IROQ, OTCPK:SFDL, NAS:HMNF, NAS:BYFC, OTCPK:FIRT, NAS:PBBI, NAS:KFFB, NAS:EQFN, AMEX:BKJ, NAS:MSBF » details
Pathfinder Bancorp Inc is a stock holding company. It is engaged in the attracting deposits and investing deposits in loans secured by one-to-four family residential real estate, commercial real estate, and business assets and in investment securities.

Pathfinder Bancorp Inc was incorporated on March 4, and opened its doors for business on May 28. The Bank changed its name from Oswego City Savings Bank to Pathfinder Bank on November 29, 2000. It is a federally chartered mid-tier holding company. The Company's business is its investment in Pathfinder Bank (the 'Bank'). The Bank is 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 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 competition both in attracting deposits and in originating real estate and other loans. Its 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.

Ratios

vs
industry
vs
history
PE Ratio 19.17
PBHC's PE Ratio is ranked lower than
69% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. PBHC: 19.17 )
Ranked among companies with meaningful PE Ratio only.
PBHC' s PE Ratio Range Over the Past 10 Years
Min: 8.05  Med: 16.66 Max: 94.59
Current: 19.17
8.05
94.59
PE Ratio without NRI 19.17
PBHC's PE Ratio without NRI is ranked lower than
68% of the 1296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. PBHC: 19.17 )
Ranked among companies with meaningful PE Ratio without NRI only.
PBHC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.05  Med: 16.64 Max: 96.17
Current: 19.17
8.05
96.17
Price-to-Owner-Earnings 32.91
PBHC's Price-to-Owner-Earnings is ranked lower than
88% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. PBHC: 32.91 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PBHC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.15  Med: 19.64 Max: 274.86
Current: 32.91
8.15
274.86
PB Ratio 1.09
PBHC's PB Ratio is ranked higher than
56% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. PBHC: 1.09 )
Ranked among companies with meaningful PB Ratio only.
PBHC' s PB Ratio Range Over the Past 10 Years
Min: 0.57  Med: 0.97 Max: 1.83
Current: 1.09
0.57
1.83
PS Ratio 2.56
PBHC's PS Ratio is ranked higher than
65% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. PBHC: 2.56 )
Ranked among companies with meaningful PS Ratio only.
PBHC' s PS Ratio Range Over the Past 10 Years
Min: 0.89  Med: 1.95 Max: 3.72
Current: 2.56
0.89
3.72
Price-to-Free-Cash-Flow 20.28
PBHC's Price-to-Free-Cash-Flow is ranked lower than
65% of the 773 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.10 vs. PBHC: 20.28 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PBHC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.22  Med: 12.55 Max: 282.5
Current: 20.28
3.22
282.5
Price-to-Operating-Cash-Flow 15.52
PBHC's Price-to-Operating-Cash-Flow is ranked lower than
58% of the 824 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.79 vs. PBHC: 15.52 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PBHC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.03  Med: 7.99 Max: 1210
Current: 15.52
3.03
1210
EV-to-EBIT 31.14
PBHC's EV-to-EBIT is ranked lower than
86% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.64 vs. PBHC: 31.14 )
Ranked among companies with meaningful EV-to-EBIT only.
PBHC' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.3  Med: 23.8 Max: 249.2
Current: 31.14
12.3
249.2
EV-to-EBITDA 26.44
PBHC's EV-to-EBITDA is ranked lower than
86% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.46 vs. PBHC: 26.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBHC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.3  Med: 18.9 Max: 56.6
Current: 26.44
10.3
56.6
PEG Ratio 7.31
PBHC's PEG Ratio is ranked lower than
90% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.55 vs. PBHC: 7.31 )
Ranked among companies with meaningful PEG Ratio only.
PBHC' s PEG Ratio Range Over the Past 10 Years
Min: 0.48  Med: 1.09 Max: 418.13
Current: 7.31
0.48
418.13
Shiller PE Ratio 30.07
PBHC's Shiller PE Ratio is ranked lower than
72% of the 490 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.81 vs. PBHC: 30.07 )
Ranked among companies with meaningful Shiller PE Ratio only.
PBHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.29  Med: 20.43 Max: 30.18
Current: 30.07
10.29
30.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.35
PBHC's Dividend Yield % is ranked lower than
80% of the 2324 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. PBHC: 1.35 )
Ranked among companies with meaningful Dividend Yield % only.
PBHC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.71  Med: 1.4 Max: 8.61
Current: 1.35
0.71
8.61
Dividend Payout Ratio 0.27
PBHC's Dividend Payout Ratio is ranked higher than
62% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. PBHC: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PBHC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.21 Max: 2.74
Current: 0.27
0.12
2.74
3-Year Dividend Growth Rate 27.10
PBHC's 3-Year Dividend Growth Rate is ranked higher than
82% of the 755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. PBHC: 27.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PBHC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -33.6  Med: 0.9 Max: 37.6
Current: 27.1
-33.6
37.6
Forward Dividend Yield % 1.35
PBHC's Forward Dividend Yield % is ranked lower than
83% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. PBHC: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.40
PBHC's 5-Year Yield-on-Cost % is ranked higher than
51% of the 2647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.35 vs. PBHC: 3.40 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PBHC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.79  Med: 3.53 Max: 21.69
Current: 3.4
1.79
21.69
3-Year Average Share Buyback Ratio 0.60
PBHC's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 977 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. PBHC: 0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBHC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.8  Med: -0.2 Max: 15.5
Current: 0.6
-1.8
15.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.09
PBHC's Price-to-Tangible-Book is ranked higher than
59% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBHC: 1.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PBHC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.72  Med: 1.35 Max: 4.32
Current: 1.09
0.72
4.32
Price-to-Intrinsic-Value-Projected-FCF 0.78
PBHC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. PBHC: 0.78 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PBHC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.56 Max: 1.46
Current: 0.78
0.26
1.46
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.89
PBHC's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
51% of the 131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PBHC: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.31
PBHC's Price-to-Median-PS-Value is ranked lower than
61% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. PBHC: 1.31 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PBHC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.49  Med: 1.18 Max: 3.54
Current: 1.31
0.49
3.54
Price-to-Peter-Lynch-Fair-Value 3.54
PBHC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
94% of the 420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. PBHC: 3.54 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PBHC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.62 Max: 5.79
Current: 3.54
0.53
5.79
Price-to-Graham-Number 0.96
PBHC's Price-to-Graham-Number is ranked lower than
51% of the 1224 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. PBHC: 0.96 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PBHC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54  Med: 1.22 Max: 2.43
Current: 0.96
0.54
2.43
Earnings Yield (Greenblatt) % 3.20
PBHC's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. PBHC: 3.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PBHC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 4.2 Max: 8.1
Current: 3.2
0.4
8.1
Forward Rate of Return (Yacktman) % 10.27
PBHC's Forward Rate of Return (Yacktman) % is ranked lower than
52% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.03 vs. PBHC: 10.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PBHC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -8.2  Med: 16.3 Max: 38.1
Current: 10.27
-8.2
38.1

More Statistics

Revenue (TTM) (Mil) $24.47
EPS (TTM) $ 0.78
Beta-0.11
Short Percentage of Float0.11%
52-Week Range $10.76 - 15.19
Shares Outstanding (Mil)4.24
» More Articles for PBHC

Headlines

Articles On GuruFocus.com
Winning Stocks Jan 20 2016 
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 

More From Other Websites
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events Feb 07 2017
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: 2016 By the Numbers : February 2, 2017 Feb 02 2017
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 31 2017
Pathfinder Bancorp, Inc. Fourth Quarter 2016 Net Income Increases 28.4% to $959,000 Jan 31 2017
December 16th: Pathfinder Bancorp, Inc. Declares Dividend Dec 30 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2016
Pathfinder Bancorp, Inc. Declares Dividend Dec 16 2016
PATHFINDER BANCORP, INC. Financials Nov 19 2016
PATHFINDER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 14 2016
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q3, 2016 By the Numbers : November 1, 2016 Nov 01 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 28 2016
Pathfinder Bancorp, Inc. Announces Third Quarter 2016 Net Income of $820,000 Oct 28 2016
Pathfinder Bancorp, Inc. : PBHC-US: Dividend Analysis : October 14th, 2016 (record date) : By the... Oct 25 2016
Pathfinder Bancorp, Inc. : PBHC-US: Dividend Analysis : July 18th, 2016 (record date) : By the... Oct 06 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 30 2016
Pathfinder Bancorp, Inc. Declares Dividend Sep 29 2016
PATHFINDER BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 12 2016
Pathfinder Bancorp, Inc. :PBHC-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K/A, Results of Operations and Financial Condition,... Aug 02 2016
PATHFINDER BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 29 2016

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