NASDAQ: PBHCPathfinder Bancorp Inc Stock
$13.71-1.05 (-7.11%)
Updated Apr 30, 2025
PBHC Price
$13.71
Fair Value Price
N/A
Market Cap
$84.23M
52 Week Low
$12.05
52 Week High
$19.86
P/E
25.39x
P/B
0.69x
P/S
2.7x
PEG
N/A
Dividend Yield
2.92%
Revenue
$39.58M
Earnings
$3.38M
Gross Margin
100%
Operating Margin
9.39%
Profit Margin
8.5%
Debt to Equity
11.14
Operating Cash Flow
$11M
Beta
0.1
Next Earnings
N/A
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 Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine PBHC's potential to beat the market
- PBHC doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
PBHC
RankedUnranked of 294
RankedUnranked of 294
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.87 | B | |
| $33.91 | B | |
| $13.97 | B |
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PBHC News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how PBHC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
PBHC was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
PBHC is good value based on its earnings relative to its share price (25.39x), compared to the US market average (29.18x)
P/E vs Market Valuation
PBHC is poor 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.
Valuation
PBHC fair value
Fair Value of PBHC stock based on Discounted Cash Flow (DCF)
Price
$13.71
Fair Value
$30.71
Undervalued by
55.35%
PBHC was unprofitable, so we... 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
25.39x
Industry
13.39x
Market
29.18x
PBHC is poor 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
0.69x
Industry
1.13x
PBHC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PBHC's financial health
Profit margin
Revenue
$14.3M
Net Income
$3.9M
Profit Margin
27.3%
PBHC's Earnings (EBIT) of $3.72M... 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
$1.5B
Liabilities
$1.4B
Debt to equity
11.14
PBHC's debt has increased relative... 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
-$2.7M
Investing
$3.8M
Financing
-$4.9M
PBHC's operating cash flow ($11.21M)... subscribe to Premium to read more.
Debt Coverage Financials
PBHC vs Bank Stocks
Pathfinder Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.