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Pathfinder Bancorp (Pathfinder Bancorp) Shiller PE Ratio : 9.66 (As of Apr. 26, 2024)


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What is Pathfinder Bancorp Shiller PE Ratio?

As of today (2024-04-26), Pathfinder Bancorp's current share price is $12.6593. Pathfinder Bancorp's E10 for the quarter that ended in Dec. 2023 was $1.31. Pathfinder Bancorp's Shiller PE Ratio for today is 9.66.

The historical rank and industry rank for Pathfinder Bancorp's Shiller PE Ratio or its related term are showing as below:

PBHC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.79   Med: 22.67   Max: 31.33
Current: 9.66

During the past years, Pathfinder Bancorp's highest Shiller PE Ratio was 31.33. The lowest was 8.79. And the median was 22.67.

PBHC's Shiller PE Ratio is ranked better than
55.15% of 1126 companies
in the Banks industry
Industry Median: 10.305 vs PBHC: 9.66

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Pathfinder Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.410. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.31 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pathfinder Bancorp Shiller PE Ratio Historical Data

The historical data trend for Pathfinder Bancorp's Shiller PE Ratio 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 Shiller PE Ratio Chart

Pathfinder Bancorp Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.15 15.14 17.47 16.05 10.71

Pathfinder Bancorp Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Shiller PE Ratio 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 16.05 13.93 11.20 10.70 10.71

Competitive Comparison of Pathfinder Bancorp's Shiller PE Ratio

For the Banks - Regional subindustry, Pathfinder Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio Distribution in the Banks Industry

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

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



Pathfinder Bancorp Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Pathfinder Bancorp's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=12.6593/1.31
=9.66

* 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.

Pathfinder Bancorp's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, Pathfinder Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.41/129.4194*129.4194
=0.410

Current CPI (Dec. 2023) = 129.4194.

Pathfinder Bancorp Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 0.120 99.695 0.156
201406 0.150 100.560 0.193
201409 0.170 100.428 0.219
201412 0.190 99.070 0.248
201503 0.120 99.621 0.156
201506 0.160 100.684 0.206
201509 0.200 100.392 0.258
201512 0.180 99.792 0.233
201603 0.150 100.470 0.193
201606 0.200 101.688 0.255
201609 0.200 101.861 0.254
201612 0.230 101.863 0.292
201703 0.190 102.862 0.239
201706 0.220 103.349 0.275
201709 0.220 104.136 0.273
201712 0.090 104.011 0.112
201803 0.240 105.290 0.295
201806 0.220 106.317 0.268
201809 0.230 106.507 0.279
201812 0.260 105.998 0.317
201903 0.120 107.251 0.145
201906 0.110 108.070 0.132
201909 0.220 108.329 0.263
201912 0.320 108.420 0.382
202003 0.290 108.902 0.345
202006 0.310 108.767 0.369
202009 0.250 109.815 0.295
202012 0.327 109.897 0.385
202103 0.360 111.754 0.417
202106 0.500 114.631 0.565
202109 0.560 115.734 0.626
202112 0.640 117.630 0.704
202203 0.490 121.301 0.523
202206 0.540 125.017 0.559
202209 0.520 125.227 0.537
202212 0.580 125.222 0.599
202303 0.430 127.348 0.437
202306 0.320 128.729 0.322
202309 0.350 129.860 0.349
202312 0.410 129.419 0.410

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Pathfinder Bancorp  (NAS:PBHC) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Pathfinder Bancorp Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Pathfinder Bancorp's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


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