Pathfinder Bancorp Net Income
| PBHC Stock | USD 13.68 0.57 4.00% |
As of the 2nd of February, Pathfinder Bancorp holds the Coefficient Of Variation of (1,272), variance of 3.17, and Risk Adjusted Performance of (0.05). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pathfinder Bancorp, as well as the relationship between them.
Pathfinder Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.0584 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 3.9 M | 3.5 M | |
| Net Income Applicable To Common Shares | 14.9 M | 15.6 M | |
| Net Income From Continuing Ops | 5.6 M | 5.8 M | |
| Net Income Per Share | 0.50 | 0.57 | |
| Net Income Per E B T | 0.59 | 0.60 |
Pathfinder | Net Income | Build AI portfolio with Pathfinder Stock |
Analyzing Pathfinder Bancorp's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Pathfinder Bancorp's current valuation and future prospects.
Latest Pathfinder Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Pathfinder Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Pathfinder Bancorp financial statement analysis. It represents the amount of money remaining after all of Pathfinder Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Pathfinder Bancorp's Net Income 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.
| View | Last Reported 3.38 M | 10 Years Trend |
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Net Income |
| Timeline |
Pathfinder Net Income Regression Statistics
| Arithmetic Mean | 4,804,806 | |
| Geometric Mean | 3,950,836 | |
| Coefficient Of Variation | 72.68 | |
| Mean Deviation | 2,630,915 | |
| Median | 3,473,490 | |
| Standard Deviation | 3,492,271 | |
| Sample Variance | 12.2T | |
| Range | 11.7M | |
| R-Value | 0.51 | |
| Mean Square Error | 9.6T | |
| R-Squared | 0.26 | |
| Significance | 0.04 | |
| Slope | 355,083 | |
| Total Sum of Squares | 195.1T |
Pathfinder Net Income History
Other Fundumenentals of Pathfinder Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Pathfinder Bancorp Net Income component correlations
Pathfinder Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Pathfinder Bancorp is extremely important. It helps to project a fair market value of Pathfinder Stock properly, considering its historical fundamentals such as Net Income. Since Pathfinder Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Pathfinder Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Pathfinder Bancorp's interrelated accounts and indicators.
Click cells to compare 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 | Quarterly Revenue Growth (0.22) | Return On Assets |
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.
Pathfinder Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Pathfinder Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Pathfinder Bancorp.
| 11/04/2025 |
| 02/02/2026 |
If you would invest 0.00 in Pathfinder Bancorp on November 4, 2025 and sell it all today you would earn a total of 0.00 from holding Pathfinder Bancorp or generate 0.0% return on investment in Pathfinder Bancorp over 90 days. Pathfinder Bancorp is related to or competes with Lake Shore, Auburn National, IF Bancorp, Winchester Bancorp, Provident Financial, Fifth District, and DT Cloud. Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial p... More
Pathfinder Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Pathfinder Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Pathfinder Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.10) | |||
| Maximum Drawdown | 10.87 | |||
| Value At Risk | (3.40) | |||
| Potential Upside | 3.06 |
Pathfinder Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pathfinder Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Pathfinder Bancorp's standard deviation. In reality, there are many statistical measures that can use Pathfinder Bancorp historical prices to predict the future Pathfinder Bancorp's volatility.| Risk Adjusted Performance | (0.05) | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.24) | |||
| Treynor Ratio | 2.53 |
Pathfinder Bancorp February 2, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | 2.54 | |||
| Mean Deviation | 1.19 | |||
| Coefficient Of Variation | (1,272) | |||
| Standard Deviation | 1.78 | |||
| Variance | 3.17 | |||
| Information Ratio | (0.10) | |||
| Jensen Alpha | (0.15) | |||
| Total Risk Alpha | (0.24) | |||
| Treynor Ratio | 2.53 | |||
| Maximum Drawdown | 10.87 | |||
| Value At Risk | (3.40) | |||
| Potential Upside | 3.06 | |||
| Skewness | 0.6561 | |||
| Kurtosis | 3.2 |
Pathfinder Bancorp Backtested Returns
Pathfinder Bancorp maintains Sharpe Ratio (i.e., Efficiency) of -0.0856, which implies the firm had a -0.0856 % return per unit of risk over the last 3 months. Pathfinder Bancorp exposes twenty-four different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check Pathfinder Bancorp's Variance of 3.17, coefficient of variation of (1,272), and Risk Adjusted Performance of (0.05) to confirm the risk estimate we provide. The company holds a Beta of -0.0594, which implies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Pathfinder Bancorp are expected to decrease at a much lower rate. During the bear market, Pathfinder Bancorp is likely to outperform the market. At this point, Pathfinder Bancorp has a negative expected return of -0.16%. Please make sure to check Pathfinder Bancorp's rate of daily change, and the relationship between the kurtosis and market facilitation index , to decide if Pathfinder Bancorp performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.52 |
Good reverse predictability
Pathfinder Bancorp has good reverse predictability. Overlapping area represents the amount of predictability between Pathfinder Bancorp time series from 4th of November 2025 to 19th of December 2025 and 19th of December 2025 to 2nd of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Pathfinder Bancorp price movement. The serial correlation of -0.52 indicates that about 52.0% of current Pathfinder Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.52 | |
| Spearman Rank Test | -0.36 | |
| Residual Average | 0.0 | |
| Price Variance | 0.05 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Pathfinder Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Pathfinder Bancorp reported net income of 3.38 M. This is 99.74% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.41% higher than that of the company.
Pathfinder Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Pathfinder Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Pathfinder Bancorp could also be used in its relative valuation, which is a method of valuing Pathfinder Bancorp by comparing valuation metrics of similar companies.Pathfinder Bancorp is currently under evaluation in net income category among its peers.
Pathfinder Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Pathfinder Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Pathfinder Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Pathfinder Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Pathfinder Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Pathfinder Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Pathfinder Bancorp's value.| Shares | Caldwell Sutter Capital Inc | 2025-06-30 | 14.8 K | Northern Trust Corp | 2025-06-30 | 14.6 K | Bridgeway Capital Management, Llc | 2025-06-30 | 10.2 K | Blackrock Inc | 2025-06-30 | 8 K | Royal Bank Of Canada | 2025-06-30 | 5.9 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 495 | Tower Research Capital Llc | 2025-06-30 | 181 | Cwm, Llc Duplicate | 2025-06-30 | 173 | Bank Of America Corp | 2025-06-30 | 23.0 | Alliancebernstein L.p. | 2025-06-30 | 353.7 K | Minerva Advisors Llc | 2025-06-30 | 262.2 K |
Pathfinder Fundamentals
| Return On Equity | 0.0294 | |||
| Return On Asset | 0.0025 | |||
| Profit Margin | 0.06 % | |||
| Operating Margin | 0.01 % | |||
| Current Valuation | 204.32 M | |||
| Shares Outstanding | 4.79 M | |||
| Shares Owned By Insiders | 21.80 % | |||
| Shares Owned By Institutions | 32.06 % | |||
| Number Of Shares Shorted | 6.19 K | |||
| Price To Earning | 15.34 X | |||
| Price To Book | 0.67 X | |||
| Price To Sales | 2.78 X | |||
| Revenue | 50.03 M | |||
| Gross Profit | 39.02 M | |||
| EBITDA | 6.5 M | |||
| Net Income | 3.38 M | |||
| Cash And Equivalents | 43.75 M | |||
| Cash Per Share | 7.36 X | |||
| Total Debt | 136.51 M | |||
| Debt To Equity | 7.80 % | |||
| Book Value Per Share | 19.83 X | |||
| Cash Flow From Operations | 11.21 M | |||
| Short Ratio | 1.18 X | |||
| Earnings Per Share | 1.20 X | |||
| Number Of Employees | 172 | |||
| Beta | 0.1 | |||
| Market Capitalization | 92.13 M | |||
| Total Asset | 1.47 B | |||
| Retained Earnings | 77.82 M | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 1.72 % | |||
| Net Asset | 1.47 B |
About Pathfinder Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Pathfinder Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pathfinder Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pathfinder Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.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 For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
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 | Quarterly Revenue Growth (0.22) | Return On Assets |
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.