Pathfinder Operating Margin from 2010 to 2026

PBHC Stock  USD 14.25  0.01  0.07%   
Pathfinder Bancorp's Operating Profit Margin is decreasing over the years with slightly volatile fluctuation. Operating Profit Margin is expected to dwindle to 0.05.
Check Pathfinder Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Pathfinder Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.1 M, Interest Expense of 45.1 M or Selling General Administrative of 22.6 M, as well as many indicators such as Price To Sales Ratio of 2.06, Dividend Yield of 0.0175 or PTB Ratio of 1.2. Pathfinder financial statements analysis is a perfect complement when working with Pathfinder Bancorp Valuation or Volatility modules.
  
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Check out the analysis of Pathfinder Bancorp Correlation against competitors.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

Latest Pathfinder Bancorp's Operating Margin Growth Pattern

Below is the plot of the Operating Profit Margin of Pathfinder Bancorp over the last few years. It is Pathfinder Bancorp's Operating Profit Margin historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Pathfinder Bancorp's overall financial position and show how it may be relating to other accounts over time.
ViewLast Reported 0.01 %10 Years Trend
Slightly volatile
   Operating Profit Margin   
       Timeline  

Pathfinder Operating Margin Regression Statistics

Arithmetic Mean0.16
Geometric Mean0.14
Coefficient Of Variation44.85
Mean Deviation0.05
Median0.16
Standard Deviation0.07
Sample Variance0
Range0.2609
R-Value(0.29)
Mean Square Error0
R-Squared0.08
Significance0.26
Slope(0)
Total Sum of Squares0.08

Pathfinder Operating Margin History

2026 0.0528
2025 0.0556
2024 0.0618
2022 0.28
2021 0.31
2018 0.12
2017 0.13

About Pathfinder Bancorp Financial Statements

Pathfinder Bancorp stakeholders use historical fundamental indicators, such as Pathfinder Bancorp's Operating Margin, to determine how well the company is positioned to perform in the future. Although Pathfinder Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in Pathfinder Bancorp's assets and liabilities are reflected in the revenues and expenses on Pathfinder Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Pathfinder Bancorp. Please read more on our technical analysis and fundamental analysis pages.
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. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York. Pathfinder Bcp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 159 people.

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When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock:
Check out the analysis of Pathfinder Bancorp Correlation against competitors.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.
You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.
Will Regional Banks sector continue expanding? Could Pathfinder diversify its offerings? Factors like these will boost the valuation of Pathfinder Bancorp. Anticipated expansion of Pathfinder directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Pathfinder Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
(0.98)
Earnings Share
1.2
Revenue Per Share
6.373
Quarterly Revenue Growth
(0.22)
Return On Assets
0.0025
The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Pathfinder Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pathfinder Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Pathfinder Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.