Pathfinder Bancorp Stock Analysis

Pathfinder Stock Analysis Notes

About 22.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.62. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pathfinder Bancorp last dividend was issued on the 17th of October 2025. The entity had 1647:1000 split on the 17th of October 2014. 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. To find out more about Pathfinder Bancorp contact CPA CPA at 315 343 0057 or learn more at https://www.pathfinderbank.com.

Pathfinder Bancorp Investment Alerts

Pathfinder Bancorp Environmental, Social, and Governance (ESG) Scores

Pathfinder Stock Institutional Investors

Note, although Pathfinder Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Pathfinder Market Capitalization

The company currently falls under 'Micro-Cap' category with a current market capitalization of 92.13 M.

Pathfinder Profitablity

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 0.01 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.01.

Management Efficiency

The current year's Return On Tangible Assets is expected to grow to -0.0023. The current year's Return On Capital Employed is expected to grow to -0.0028. At present, Pathfinder Bancorp's Total Current Assets are projected to increase significantly based on the last few years of reporting. The current year's Intangible Assets is expected to grow to about 5.6 M, whereas Non Current Assets Total are forecasted to decline to about 44.4 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.

Technical Drivers

As of the 5th of February, Pathfinder Bancorp holds the Coefficient Of Variation of (1,293), variance of 5.99, 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 Price Movement Analysis

Pathfinder Bancorp Insider Trading Activities

Pathfinder Bancorp Outstanding Bonds

Pathfinder Bancorp Predictive Daily Indicators

Pathfinder Bancorp Corporate Filings

Pathfinder Bancorp Forecast Models

Pathfinder Bancorp's time-series forecasting models are one of many Pathfinder Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Pathfinder Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Pathfinder Bancorp Bond Ratings

Pathfinder Bancorp financial ratings play a critical role in determining how much Pathfinder Bancorp have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Pathfinder Bancorp's borrowing costs.

Pathfinder Bancorp Debt to Cash Allocation

Pathfinder Bancorp currently holds 107.23 M in liabilities with Debt to Equity (D/E) ratio of 7.8, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Pathfinder Bancorp's use of debt, we should always consider it together with its cash and equity.

Pathfinder Bancorp Total Assets Over Time

Pathfinder Bancorp Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Pathfinder Bancorp uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Pathfinder Bancorp Debt Ratio

13.0

It looks as if most of the Pathfinder Bancorp's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Pathfinder Bancorp's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Pathfinder Bancorp, which in turn will lower the firm's financial flexibility.

Pathfinder Bancorp Corporate Bonds Issued

Pathfinder Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how Pathfinder Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Pathfinder shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Pathfinder Bancorp. By using and applying Pathfinder Stock analysis, traders can create a robust methodology for identifying Pathfinder entry and exit points for their positions.

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.