Pathfinder Bancorp Stock Performance
| PBHC Stock | USD 16.48 0.18 1.10% |
The company holds a Beta of 0.58, which implies possible diversification benefits within a given portfolio. As returns on the market increase, Pathfinder Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Pathfinder Bancorp is expected to be smaller as well. At this point, Pathfinder Bancorp has a negative expected return of -0.0856%. Please make sure to check Pathfinder Bancorp's value at risk, kurtosis, market facilitation index, as well as the relationship between the semi variance and rate of daily change , to decide if Pathfinder Bancorp performance from the past will be repeated at some point in the near future.
Risk-Adjusted Performance
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Over the last 90 days Pathfinder Bancorp has generated negative risk-adjusted returns adding no value to investors with long positions. In spite of rather sound technical indicators, Pathfinder Bancorp is not utilizing all of its potentials. The latest stock price tumult, may contribute to shorter-term losses for the shareholders. ...more
Actual Historical Performance (%)
One Day Return 1.73 | Five Day Return 5.24 | Year To Date Return (3.40) | Ten Year Return 67.99 | All Time Return 352.75 |
Forward Dividend Yield 0.0222 | Payout Ratio | Last Split Factor 1647:1000 | Forward Dividend Rate 0.4 | Dividend Date 2024-11-08 |
1 | Pathfinder reports Q3 results | 10/31/2024 |
2 | Acquisition by Daniel Phillips of 7237 shares of Pathfinder Bancorp at 10.81 subject to Rule 16b-3 | 11/04/2024 |
| Pathfinder Bancorp dividend paid on 8th of November 2024 | 11/08/2024 |
3 | Insider Trading | 11/15/2024 |
4 | Disposition of 13266 shares by Daniel Phillips of Pathfinder Bancorp at 11.35 subject to Rule 16b-3 | 11/20/2024 |
5 | Disposition of 2525 shares by Barclay William A of Pathfinder Bancorp at 11.35 subject to Rule 16b-3 | 11/22/2024 |
6 | Acquisition by Barclay William A of 2525 shares of Pathfinder Bancorp at 11.35 subject to Rule 16b-3 | 11/25/2024 |
7 | Disposition of 1014 shares by Allyn Eric of Pathfinder Bancorp at 17.2814 subject to Rule 16b-3 | 12/03/2024 |
8 | Pathfinder Bancorp director Eric Allyn sells 137,2 in stock | 12/09/2024 |
9 | Pathfinder Bancorp to pay Q4 dividend of 10 cents in early February - The Central New York Business Journal | 01/10/2025 |
| Begin Period Cash Flow | 35.3 M | |
| Free Cash Flow | 13.5 M |
Pathfinder |
Pathfinder Bancorp Relative Risk vs. Return Landscape
If you would invest 1,763 in Pathfinder Bancorp on October 20, 2024 and sell it today you would lose (115.00) from holding Pathfinder Bancorp or give up 6.52% of portfolio value over 90 days. Pathfinder Bancorp is currently does not generate positive expected returns and assumes 2.1641% risk (volatility on return distribution) over the 90 days horizon. In different words, 19% of stocks are less volatile than Pathfinder, and 99% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Pathfinder Bancorp Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pathfinder Bancorp's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Pathfinder Bancorp, and traders can use it to determine the average amount a Pathfinder Bancorp's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = -0.0395
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| Cash | Small Risk | Average Risk | High Risk | Huge Risk |
| Negative Returns | PBHC |
Estimated Market Risk
| 2.16 actual daily | 19 81% of assets are more volatile |
Expected Return
| -0.09 actual daily | 0 Most of other assets have higher returns |
Risk-Adjusted Return
| -0.04 actual daily | 0 Most of other assets perform better |
Based on monthly moving average Pathfinder Bancorp is not performing at its full potential. However, if added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Pathfinder Bancorp by adding Pathfinder Bancorp to a well-diversified portfolio.
Pathfinder Bancorp Fundamentals Growth
Pathfinder Stock prices reflect investors' perceptions of the future prospects and financial health of Pathfinder Bancorp, and Pathfinder Bancorp fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Pathfinder Stock performance.
| 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 | ||||
| Price To Earning | 15.34 X | ||||
| Price To Book | 0.84 X | ||||
| Price To Sales | 2.80 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 | ||||
| Earnings Per Share | 0.32 X | ||||
| Market Capitalization | 109.8 M | ||||
| Total Asset | 1.47 B | ||||
| Retained Earnings | 76.06 M | ||||
About Pathfinder Bancorp Performance
By analyzing Pathfinder Bancorp's fundamental ratios, stakeholders can gain valuable insights into Pathfinder Bancorp's financial health, operational efficiency, and overall profitability, helping them make informed investment and management decisions. For instance, if Pathfinder Bancorp has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if Pathfinder Bancorp has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements.
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.01 | 0.01 | |
| Return On Equity | 0.07 | 0.05 |
Things to note about Pathfinder Bancorp performance evaluation
Checking the ongoing alerts about Pathfinder Bancorp for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Pathfinder Bancorp help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| Pathfinder Bancorp generated a negative expected return over the last 90 days | |
| About 27.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from news.google.com: Pathfinder Bancorp to pay Q4 dividend of 10 cents in early February - The Central New York Business Journal |
- Analyzing Pathfinder Bancorp's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Pathfinder Bancorp's stock is overvalued or undervalued compared to its peers.
- Examining Pathfinder Bancorp's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Pathfinder Bancorp's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Pathfinder Bancorp's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Pathfinder Bancorp's stock. These opinions can provide insight into Pathfinder Bancorp's potential for growth and whether the stock is currently undervalued or overvalued.
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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