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NASDAQ: PBHC
Pathfinder Bancorp Inc Stock

$11.51-0.09 (-0.78%)
Updated Mar 1, 2024
PBHC Price
$11.51
Fair Value Price
N/A
Market Cap
$70.21M
52 Week Low
$11.51
52 Week High
$19.38
P/E
6.85x
P/B
0.62x
P/S
1.99x
PEG
0.72x
Dividend Yield
3.13%
Revenue
$42.12M
Earnings
$10.29M
Gross Margin
100%
Operating Margin
29.54%
Profit Margin
24.4%
Debt to Equity
11.31
Operating Cash Flow
$17M
Beta
0.14
Next Earnings
Apr 30, 2024
Ex-Dividend
N/A
Next Dividend
N/A

PBHC Overview

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Zen Score

Industry Average (34)
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Due Diligence Checks

PBHC ($11.51) is trading below its intrinsic value of $14.81, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
PBHC is good value based on its earnings relative to its share price (6.85x), compared to the US market average (36.17x)
P/E vs Market Valuation
PBHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more PBHC due diligence checks available for Premium users.

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PBHC News

Valuation

PBHC fair value

Fair Value of PBHC stock based on Discounted Cash Flow (DCF)
Price
$11.51
Fair Value
$16.86
Undervalued by
31.73%
PBHC ($11.51) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

PBHC price to earnings (PE)

For valuing profitable companies with steady earnings
Company
6.85x
Industry
-9.95x
Market
36.17x
PBHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PBHC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

PBHC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.62x
Industry
0.98x
PBHC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PBHC price to earnings growth (PEG)

For valuing profitable companies with growth potential
PBHC is good value based... subscribe to Premium to read more.
PEG Value Valuation

PBHC's financial health

Profit margin

Revenue
$10.4M
Net Income
$2.2M
Profit Margin
20.9%
PBHC's Earnings (EBIT) of $12.44M... subscribe to Premium to read more.
Interest Coverage Financials
PBHC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.4B
Liabilities
$1.3B
Debt to equity
11.31
PBHC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
PBHC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$5.1M
Investing
-$25.1M
Financing
$7.6M
PBHC's operating cash flow ($16.58M)... subscribe to Premium to read more.
Debt Coverage Financials

PBHC vs Bank Stocks

TickerMarket Cap1d %P/EP/B
PBHC$70.21M-0.78%6.85x0.62x
UBCP$70.03M+2.85%7.95x1.33x
AUBN$73.65M-0.09%7.48x1.20x
LSBK$66.13M0.00%12.91x0.81x
MGYR$75.46M+0.53%9.61x0.71x

Pathfinder Bancorp Stock FAQ

What is Pathfinder Bancorp's quote symbol?

(NASDAQ: PBHC) Pathfinder Bancorp trades on the NASDAQ under the ticker symbol PBHC. Pathfinder Bancorp stock quotes can also be displayed as NASDAQ: PBHC.

If you're new to stock investing, here's how to buy Pathfinder Bancorp stock.

What is the 52 week high and low for Pathfinder Bancorp (NASDAQ: PBHC)?

(NASDAQ: PBHC) Pathfinder Bancorp's 52-week high was $19.38, and its 52-week low was $11.51. It is currently -40.61% from its 52-week high and at its 52-week low.

How much is Pathfinder Bancorp stock worth today?

(NASDAQ: PBHC) Pathfinder Bancorp currently has 6,099,571 outstanding shares. With Pathfinder Bancorp stock trading at $11.51 per share, the total value of Pathfinder Bancorp stock (market capitalization) is $70.21M.

Pathfinder Bancorp stock was originally listed at a price of $13.33 in Dec 31, 1997. If you had invested in Pathfinder Bancorp stock at $13.33, your return over the last 26 years would have been -13.67%, for an annualized return of -0.56% (not including any dividends or dividend reinvestments).

How much is Pathfinder Bancorp's stock price per share?

(NASDAQ: PBHC) Pathfinder Bancorp stock price per share is $11.51 today (as of Mar 1, 2024).

What is Pathfinder Bancorp's Market Cap?

(NASDAQ: PBHC) Pathfinder Bancorp's market cap is $70.21M, as of Mar 3, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Pathfinder Bancorp's market cap is calculated by multiplying PBHC's current stock price of $11.51 by PBHC's total outstanding shares of 6,099,571.
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