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Business Description
Pathfinder Bancorp Inc
NAICS : 522120
SIC : 6036
ISIN : US70319R1095
Description
Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt 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 principal source of income is interest on loans and investment securities.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.23 | |||||
| Equity-to-Asset | 0.08 | |||||
| Debt-to-Equity | 1.12 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.54 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 4.5 | |||||
| 3-Year EPS without NRI Growth Rate | 8.9 | |||||
| 3-Year FCF Growth Rate | -33.5 | |||||
| 3-Year Book Growth Rate | -3.1 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 44.06 | |||||
| 9-Day RSI | 44.45 | |||||
| 14-Day RSI | 45.35 | |||||
| 3-1 Month Momentum % | -0.72 | |||||
| 6-1 Month Momentum % | 9.77 | |||||
| 12-1 Month Momentum % | 38.18 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.39 | |||||
| Dividend Payout Ratio | 0.65 | |||||
| 3-Year Dividend Growth Rate | 14.5 | |||||
| Forward Dividend Yield % | 2.39 | |||||
| 5-Year Yield-on-Cost % | 3.8 | |||||
| 3-Year Average Share Buyback Ratio | -10.4 | |||||
| Shareholder Yield % | -32.35 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 8.02 | |||||
| FCF Margin % | 30.1 | |||||
| ROE % | 3.1 | |||||
| ROA % | 0.26 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 28 | |||||
| Shiller PE Ratio | 13.13 | |||||
| Price-to-Owner-Earnings | 8.6 | |||||
| PS Ratio | 1.69 | |||||
| PB Ratio | 0.84 | |||||
| Price-to-Tangible-Book | 0.93 | |||||
| Price-to-Free-Cash-Flow | 5.61 | |||||
| Price-to-Operating-Cash-Flow | 3.55 | |||||
| EV-to-Revenue | 4.43 | |||||
| EV-to-FCF | 14.69 | |||||
| Price-to-GF-Value | 0.98 | |||||
| Price-to-Projected-FCF | 0.29 | |||||
| Price-to-DCF (FCF Based) | 0.18 | |||||
| Price-to-Median-PS-Value | 0.88 | |||||
| FCF Yield % | 13.71 | |||||
| Forward Rate of Return (Yacktman) % | 25.82 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Pathfinder Bancorp Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 46.864 | ||
| EPS (TTM) ($) | 0.6 | ||
| Beta | -0.05 | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | 26.24 | ||
| 14-Day RSI | 45.35 | ||
| 14-Day ATR ($) | 0.236742 | ||
| 20-Day SMA ($) | 16.898 | ||
| 12-1 Month Momentum % | 38.18 | ||
| 52-Week Range ($) | 11.67 - 19.86 | ||
| Shares Outstanding (Mil) | 6.12 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Pathfinder Bancorp Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Pathfinder Bancorp Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Pathfinder Bancorp Inc Frequently Asked Questions
What is Pathfinder Bancorp Inc(PBHC)'s stock price today?
The current price of PBHC is $16.80. The 52 week high of PBHC is $19.86 and 52 week low is $11.67.
When is next earnings date of Pathfinder Bancorp Inc(PBHC)?
The next earnings date of Pathfinder Bancorp Inc(PBHC) is 2025-04-29 Est..
Does Pathfinder Bancorp Inc(PBHC) pay dividends? If so, how much?
The Dividend Yield %  of Pathfinder Bancorp Inc(PBHC) is 2.39% (As of Today), Highest Dividend Payout Ratio of Pathfinder Bancorp Inc(PBHC) was 0.65. The lowest was 0.12. And the median was 0.23. The  Forward Dividend Yield % of Pathfinder Bancorp Inc(PBHC) is 2.39%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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