Pathfinder Bancorp Stock Z Score

PBHC Stock

USD 18.00 0.10 0.56%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Pathfinder Bancorp Piotroski F Score and Pathfinder Bancorp Valuation analysis.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

At present, Pathfinder Bancorp's Change In Working Capital is projected to increase significantly based on the last few years of reporting. The current year's Long Term Debt To Capitalization is expected to grow to 0.55, whereas Net Invested Capital is forecasted to decline to about 245.9 M. At present, Pathfinder Bancorp's Other Operating Expenses is projected to increase significantly based on the last few years of reporting. The current year's Total Operating Expenses is expected to grow to about 45.2 M, whereas Depreciation And Amortization is forecasted to decline to about 902.2 K.

Pathfinder Bancorp Company Z Score Analysis

Pathfinder Bancorp's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Pathfinder Z Score 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 Z Score. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Debt	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.96	0.91	0.96	0.33	1.0	0.01	-0.43	-0.45	0.77	0.72	0.87	0.71	-0.53	0.98	0.62	0.89	-0.57	0.96	0.77	0.9	0.06	0.9	0.2	0.86	0.9
Total Stockholder Equity	0.96		0.88	0.96	0.31	0.95	-0.05	-0.42	-0.44	0.66	0.72	0.82	0.71	-0.54	0.95	0.65	0.89	-0.64	0.97	0.8	0.88	0.13	0.8	0.34	0.85	0.9
Net Debt	0.91	0.88		0.93	0.25	0.9	-0.01	-0.38	-0.39	0.59	0.7	0.9	0.64	-0.51	0.91	0.85	0.74	-0.57	0.87	0.75	0.79	0.37	0.77	0.08	0.87	0.8
Retained Earnings	0.96	0.96	0.93		0.39	0.95	0.01	-0.36	-0.38	0.63	0.67	0.91	0.61	-0.48	0.92	0.75	0.83	-0.51	0.91	0.7	0.86	0.28	0.8	0.27	0.91	0.9
Net Receivables	0.33	0.31	0.25	0.39		0.32	0.69	-0.07	-0.07	0.25	0.1	0.2	0.19	-0.11	0.23	0.11	0.37	-0.11	0.26	0.15	0.38	0.01	0.27	0.17	0.35	0.29
Total Liab	1.0	0.95	0.9	0.95	0.32		0.04	-0.51	-0.52	0.77	0.76	0.88	0.69	-0.56	0.98	0.61	0.88	-0.58	0.94	0.77	0.89	0.05	0.89	0.18	0.84	0.87
Total Current Assets	0.01	-0.05	-0.01	0.01	0.69	0.04		-0.35	-0.35	0.08	0.21	0.09	0.18	-0.22	-0.05	-0.16	0.05	-0.24	-0.1	0.15	0.16	-0.27	0.04	-0.41	-0.13	-0.28
Common Stock	-0.43	-0.42	-0.38	-0.36	-0.07	-0.51	-0.35		1.0	-0.31	-0.82	-0.53	-0.24	0.52	-0.48	-0.21	-0.36	0.52	-0.33	-0.42	-0.36	0.11	-0.3	0.06	-0.19	-0.19
Accounts Payable	-0.45	-0.44	-0.39	-0.38	-0.07	-0.52	-0.35	1.0		-0.32	-0.82	-0.54	-0.25	0.53	-0.5	-0.22	-0.37	0.53	-0.35	-0.43	-0.37	0.11	-0.31	0.05	-0.2	-0.2
Long Term Debt	0.77	0.66	0.59	0.63	0.25	0.77	0.08	-0.31	-0.32		0.5	0.55	0.58	-0.36	0.78	0.1	0.79	-0.35	0.7	0.53	0.78	-0.41	0.89	-0.03	0.66	0.66
Good Will	0.72	0.72	0.7	0.67	0.1	0.76	0.21	-0.82	-0.82	0.5		0.74	0.61	-0.69	0.76	0.52	0.71	-0.78	0.68	0.75	0.75	0.0	0.65	-0.02	0.56	0.52
Short Term Investments	0.87	0.82	0.9	0.91	0.2	0.88	0.09	-0.53	-0.54	0.55	0.74		0.55	-0.48	0.83	0.77	0.69	-0.48	0.76	0.68	0.76	0.32	0.73	-0.03	0.77	0.7
Treasury Stock	0.71	0.71	0.64	0.61	0.19	0.69	0.18	-0.24	-0.25	0.58	0.61	0.55		-0.56	0.72	0.36	0.75	-0.82	0.81	0.96	0.82	-0.26	0.75	-0.12	0.48	0.49
Intangible Assets	-0.53	-0.54	-0.51	-0.48	-0.11	-0.56	-0.22	0.52	0.53	-0.36	-0.69	-0.48	-0.56		-0.54	-0.32	-0.45	0.69	-0.52	-0.62	-0.55	0.12	-0.46	0.05	-0.32	-0.32
Property Plant Equipment	0.98	0.95	0.91	0.92	0.23	0.98	-0.05	-0.48	-0.5	0.78	0.76	0.83	0.72	-0.54		0.6	0.88	-0.61	0.96	0.79	0.87	0.03	0.88	0.2	0.83	0.87
Short Term Debt	0.62	0.65	0.85	0.75	0.11	0.61	-0.16	-0.21	-0.22	0.1	0.52	0.77	0.36	-0.32	0.6		0.43	-0.41	0.61	0.52	0.49	0.77	0.4	0.17	0.71	0.61
Net Tangible Assets	0.89	0.89	0.74	0.83	0.37	0.88	0.05	-0.36	-0.37	0.79	0.71	0.69	0.75	-0.45	0.88	0.43		-0.61	0.9	0.76	0.97	-0.11	0.92	0.25	0.84	0.86
Long Term Debt Total	-0.57	-0.64	-0.57	-0.51	-0.11	-0.58	-0.24	0.52	0.53	-0.35	-0.78	-0.48	-0.82	0.69	-0.61	-0.41	-0.61		-0.67	-0.88	-0.68	0.14	-0.51	0.07	-0.35	-0.34
Capital Surpluse	0.96	0.97	0.87	0.91	0.26	0.94	-0.1	-0.33	-0.35	0.7	0.68	0.76	0.81	-0.52	0.96	0.61	0.9	-0.67		0.85	0.89	0.04	0.86	0.29	0.82	0.89
Deferred Long Term Liab	0.77	0.8	0.75	0.7	0.15	0.77	0.15	-0.42	-0.43	0.53	0.75	0.68	0.96	-0.62	0.79	0.52	0.76	-0.88	0.85		0.83	-0.1	0.72	-0.06	0.54	0.54
Long Term Investments	0.9	0.88	0.79	0.86	0.38	0.89	0.16	-0.36	-0.37	0.78	0.75	0.76	0.82	-0.55	0.87	0.49	0.97	-0.68	0.89	0.83		-0.1	0.94	0.08	0.82	0.79
Short Long Term Debt	0.06	0.13	0.37	0.28	0.01	0.05	-0.27	0.11	0.11	-0.41	0.0	0.32	-0.26	0.12	0.03	0.77	-0.11	0.14	0.04	-0.1	-0.1		-0.19	0.26	0.35	0.23
Earning Assets	0.9	0.8	0.77	0.8	0.27	0.89	0.04	-0.3	-0.31	0.89	0.65	0.73	0.75	-0.46	0.88	0.4	0.92	-0.51	0.86	0.72	0.94	-0.19		0.0	0.8	0.8
Current Deferred Revenue	0.2	0.34	0.08	0.27	0.17	0.18	-0.41	0.06	0.05	-0.03	-0.02	-0.03	-0.12	0.05	0.2	0.17	0.25	0.07	0.29	-0.06	0.08	0.26	0.0		0.33	0.51
Net Invested Capital	0.86	0.85	0.87	0.91	0.35	0.84	-0.13	-0.19	-0.2	0.66	0.56	0.77	0.48	-0.32	0.83	0.71	0.84	-0.35	0.82	0.54	0.82	0.35	0.8	0.33		0.93
Capital Stock	0.9	0.9	0.8	0.9	0.29	0.87	-0.28	-0.19	-0.2	0.66	0.52	0.7	0.49	-0.32	0.87	0.61	0.86	-0.34	0.89	0.54	0.79	0.23	0.8	0.51	0.93

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Pathfinder Bancorp

Based on the company's disclosures, Pathfinder Bancorp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Pathfinder Z Score 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 Z Score 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 z score 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 purchase 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	2024-09-30	14.8 K
Bridgeway Capital Management, Llc	2024-09-30	10.2 K
Blackrock Inc	2024-06-30	8.3 K
Royal Bank Of Canada	2024-06-30	5.9 K
Tower Research Capital Llc	2024-06-30	1.1 K
Morgan Stanley - Brokerage Accounts	2024-06-30	988
Ubs Group Ag	2024-06-30	366
Bank Of America Corp	2024-06-30	19.0
Wells Fargo & Co	2024-06-30	0.0
Minerva Advisors Llc	2024-09-30	262.2 K
Alliancebernstein L.p.	2024-06-30	260.6 K

Pathfinder Fundamentals

	Return On Equity	0.0182
	Return On Asset	0.0015
	Profit Margin	0.06 %
	Operating Margin	(1.24) %
	Current Valuation	223.04 M
	Shares Outstanding	4.72 M
	Shares Owned By Insiders	27.19 %
	Shares Owned By Institutions	29.55 %
	Number Of Shares Shorted	4.27 K
	Price To Earning	15.34 X
	Price To Book	0.91 X
	Price To Sales	3.09 X
	Revenue	41.18 M
	Gross Profit	44.56 M
	EBITDA	13.12 M
	Net Income	9.29 M
	Cash And Equivalents	43.75 M
	Cash Per Share	7.36 X
	Total Debt	211.6 M
	Debt To Equity	7.80 %
	Book Value Per Share	19.87 X
	Cash Flow From Operations	15.43 M
	Short Ratio	1.11 X
	Earnings Per Share	0.32 X
	Number Of Employees	161
	Beta	0.24
	Market Capitalization	109.8 M
	Total Asset	1.47 B
	Retained Earnings	76.06 M
	Annual Yield	0.02 %
	Five Year Return	1.72 %
	Net Asset	1.47 B
	Last Dividend Paid	0.39

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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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:

How To Invest In Pathfinder

Details

Is Pathfinder Stock a good investment?

Details

What is Pathfinder Bancorp's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Pathfinder Bancorp Piotroski F Score and Pathfinder Bancorp Valuation analysis.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

You can also try the Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0)

Dividend Share

0.39

Earnings Share

0.32

Revenue Per Share

5.834

Quarterly Revenue Growth

(0.57)

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. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. 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.

Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Pathfinder Bancorp Stock Z Score

Pathfinder Bancorp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Pathfinder Z Score Driver Correlations

Pathfinder Z Score Peer Comparison

Pathfinder Bancorp ESG Sustainability

Pathfinder Bancorp Institutional Holders

Pathfinder Fundamentals

About Pathfinder Bancorp Fundamental Analysis

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