Pathfinder Bancorp Company Insiders

PBHC Stock  USD 18.00  0.10  0.56%   
About 71 percent of all Pathfinder Bancorp's insiders are acquiring. The analysis of insiders' sentiment of trading Pathfinder Bancorp stock suggests that quite a large number of insiders are confidant at this time. Pathfinder Bancorp employs about 161 people. The company is managed by 13 executives with a total tenure of roughly 376 years, averaging almost 28.0 years of service per executive, having 12.38 employees per reported executive.

Pathfinder Bancorp's Insider Buying Vs Selling

71

 
Selling
 
Buying

Latest Trades

2024-09-16Daniel R PhillipsDisposed 4900 @ 15.63View
2024-08-16Daniel R PhillipsDisposed 1055 @ 15.42View
2024-05-07David A AyoubAcquired 260 @ 12.4View
2024-03-12James A DowdAcquired 200 @ 12.02View
2024-03-11Meghan Crawford-HamlinAcquired 1000 @ 11.5View
2024-03-07Walter RusnakAcquired 1500 @ 11.85View
2023-12-05George P JoyceAcquired 100 @ 12.92View
Monitoring Pathfinder Bancorp's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
  
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

Pathfinder Bancorp's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Pathfinder Bancorp's future performance. Based on our forecasts, it is anticipated that Pathfinder will maintain a workforce of about 160 employees by December 2024.
 
Yuan Drop
 
Covid

Pathfinder Bancorp Management Team Effectiveness

As of November 25, 2024, Return On Tangible Assets is expected to decline to 0. In addition to that, Return On Capital Employed is expected to decline to 0.01. At present, Pathfinder Bancorp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 994.6 M, whereas Total Current Assets are forecasted to decline to about 46.3 M. Pathfinder Bancorp's management efficiency ratios could be used to measure how well Pathfinder Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.
The current year's Net Income Applicable To Common Shares is expected to grow to about 15.6 M, whereas Common Stock Shares Outstanding is forecasted to decline to about 3.7 M.

Pathfinder Bancorp Workforce Comparison

Pathfinder Bancorp is regarded second in number of employees category among its peers. The total workforce of Financials industry is at this time estimated at about 1,130. Pathfinder Bancorp retains roughly 161 in number of employees claiming about 14% of equities under Financials industry.

Pathfinder Bancorp Profit Margins

The company has Profit Margin (PM) of 0.06 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of (1.24) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $1.24.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.780.87
Moderately Down
Slightly volatile
Net Profit Margin0.210.2257
Significantly Down
Pretty Stable
Operating Profit Margin0.270.2862
Notably Down
Slightly volatile
Pretax Profit Margin0.290.2862
Fairly Up
Pretty Stable
Return On Assets0.00390.0063
Way Down
Very volatile
Return On Equity0.04590.0778
Way Down
Slightly volatile

Pathfinder Bancorp Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pathfinder Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pathfinder Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Pathfinder Bancorp insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2024-12-01
3.0
3
1
 23,053 
 13,266 
2024-09-01
0.125
1
8
 100.00 
 5,955 
2023-09-01
0.75
6
8
 24,288 
 36,288 
2023-06-01
2.1429
15
7
 40,589 
 35,072 
2022-12-01
3.0
3
1
 6,000 
 4,000 
2022-09-01
2.0
2
1
 2,593 
 1,593 
2022-06-01
1.0
3
3
 11,287 
 6,109 
2022-03-01
0.4
2
5
 3,000 
 11,000 
2021-12-01
0.8125
13
16
 25,869 
 23,181 
2021-09-01
1.3333
4
3
 12,123 
 15,873 
2021-06-01
2.0
2
1
 7,237 
 6,237 
2021-03-01
1.5
3
2
 10,017 
 9,137 
2020-12-01
15.0
15
1
 68,969 
 2,500 
2020-03-01
1.8
9
5
 35,218 
 31,208 
2019-09-01
0.8333
5
6
 9,600 
 2,700 
2019-06-01
20.0
20
1
 131,664 
 100.00 
2019-03-01
2.5
5
2
 6,827 
 4,182 
2018-12-01
0.6667
2
3
 5,350 
 12,000 
2018-09-01
0.5
1
2
 7,500 
 15,000 
2018-06-01
0.75
3
4
 7,250 
 14,000 
2018-03-01
1.0
8
8
 17,359 
 17,717 
2017-12-01
1.0
1
1
 2,350 
 150.00 
2017-09-01
1.5
6
4
 19,948 
 32,000 
2017-06-01
0.5385
7
13
 11,825 
 89,106 
2017-03-01
1.0
4
4
 15,072 
 23,574 
2016-12-01
2.0
2
1
 9,000 
 7,000 
2016-09-01
3.6667
22
6
 28,000 
 30,000 
2016-06-01
28.5
57
2
 482,008 
 1,000.00 
2014-12-01
1.4167
17
12
 32,955 
 0.00 
2013-12-01
1.0
1
1
 5,000 
 5,000 
2011-09-01
3.0
3
1
 1,750 
 600.00 
2011-06-01
8.0
8
1
 90,000 
 0.00 
2006-09-01
0.5
2
4
 1,175 
 2,800 
2003-12-01
0.3333
1
3
 100.00 
 2,901 

Pathfinder Bancorp Notable Stakeholders

A Pathfinder Bancorp stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Pathfinder Bancorp often face trade-offs trying to please all of them. Pathfinder Bancorp's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Pathfinder Bancorp's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.

About Pathfinder Bancorp Management Performance

The success or failure of an entity such as Pathfinder Bancorp often depends on how effective the management is. Pathfinder Bancorp management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Pathfinder management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Pathfinder management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Capital Employed 0.01  0.01 
Return On Equity 0.08  0.05 
Please note, the presentation of Pathfinder Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Pathfinder Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Pathfinder Bancorp's management manipulating its earnings.

Pathfinder Bancorp Workforce Analysis

Traditionally, organizations such as Pathfinder Bancorp use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Pathfinder Bancorp within its industry.

Pathfinder Bancorp Manpower Efficiency

Return on Pathfinder Bancorp Manpower

Revenue Per Employee255.8K
Revenue Per Executive3.2M
Net Income Per Employee57.7K
Net Income Per Executive714.8K

Complementary Tools for Pathfinder Stock analysis

When running Pathfinder Bancorp's price analysis, check to measure Pathfinder Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pathfinder Bancorp is operating at the current time. Most of Pathfinder Bancorp's value examination focuses on studying past and present price action to predict the probability of Pathfinder Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pathfinder Bancorp's price. Additionally, you may evaluate how the addition of Pathfinder Bancorp to your portfolios can decrease your overall portfolio volatility.
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