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Pathfinder Bancorp (Pathfinder Bancorp) Book Value per Share : $19.59 (As of Dec. 2023)


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What is Pathfinder Bancorp Book Value per Share?

Pathfinder Bancorp's book value per share for the quarter that ended in Dec. 2023 was $19.59.

During the past 12 months, Pathfinder Bancorp's average Book Value Per Share Growth Rate was 6.50% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -3.10% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 8.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pathfinder Bancorp was 30.60% per year. The lowest was -3.10% per year. And the median was 4.10% per year.

Pathfinder Bancorp's current price is $12.6593. Its book value per share for the quarter that ended in Dec. 2023 was $19.59. Hence, today's PB Ratio of Pathfinder Bancorp is 0.65.

During the past 13 years, the highest P/B Ratio of Pathfinder Bancorp was 1.54. The lowest was 0.48. And the median was 0.94.

Good Sign:

Pathfinder Bancorp Inc stock PB Ratio (=0.64) is close to 3-year low of 0.59


Pathfinder Bancorp Book Value per Share Historical Data

The historical data trend for Pathfinder Bancorp's Book Value per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Pathfinder Bancorp Book Value per Share Chart

Pathfinder Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Book Value per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.20 21.50 18.43 18.40 19.59

Pathfinder Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Book Value per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 18.40 18.52 18.74 18.67 19.59

Competitive Comparison of Pathfinder Bancorp's Book Value per Share

For the Banks - Regional subindustry, Pathfinder Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pathfinder Bancorp's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's PB Ratio distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's PB Ratio falls into.



Pathfinder Bancorp Book Value per Share Calculation

Pathfinder Bancorp's Book Value Per Share for the fiscal year that ended in Dec. 2023 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(119.50-0.00)/6.10
=19.59

Pathfinder Bancorp's Book Value Per Share for the quarter that ended in Dec. 2023 is calculated as:

Book Value Per Share=(Total Stockholders Equity-Preferred Stock)/Shares Outstanding (EOP)
=(119.50-0.00)/6.10
=19.59

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Theoretically it is what the shareholders will receive if the company is liquidated. Total Stockholders Equity is a balance sheet item and equal to Total Assets less Total Liabilities of the company.

Book value may include intangible items which may come from the company's past acquisitions. Book value less intangibles is called Tangible Book.


Pathfinder Bancorp  (NAS:PBHC) Book Value per Share Explanation

Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.

For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.


Pathfinder Bancorp Book Value per Share Related Terms

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Pathfinder Bancorp (Pathfinder Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
214 West First Street, Oswego, NY, USA, 13126
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.
Executives
Walter Rusnak officer: Vice President Finance 214 WEST FIRST STREET, OSWEGO NY 13126
George P Joyce director 214 WEST FIRST STREET, OSWEGO NY 13126
Calvin Corriders officer: First Vice President 214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd officer: SVP and CFO 214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin director 214 WEST FIRST STREET, OSWEGO NY 13126
Eric Allyn director 214 WEST FIRST STREET, OSWEGO NY 13126
Adam C. Gagas director 214 WEST FIRST STREET, OSWEGO NY 13126
Ronald Tascarella officer: SVP and CCO
Rebecca Braheney officer: Controller, VP 214 WEST FIRST STREET, OSWEGO NY 13126
Ronald G. Tascarella officer: 1st Vice President 214 WEST FIRST STREET, OSWEGO NY 13126
John Funiciello director 214 WEST FIRST STREET, OSWEGO NY 13126
Thomas W Schneider director, officer: President and CEO 214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips officer: SVP 214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr. officer: First Vice President 214 WEST FIRST STREET, OSWEGO NY 13126
Sharkey John F. Iii director 214 WEST FIRST STREET, OSWEGO NY 13126