Pathfinder Bancorp Stock Today

PBHC Stock  USD 18.00  0.10  0.56%   

Performance

7 of 100

 
Weak
 
Strong
OK

Odds Of Distress

Less than 9

 
High
 
Low
Low
Pathfinder Bancorp is trading at 18.00 as of the 25th of November 2024, a 0.56 percent increase since the beginning of the trading day. The stock's open price was 17.9. Pathfinder Bancorp has less than a 9 % chance of experiencing financial distress in the next few years but had a somewhat ok performance during the last 90 days. Equity ratings for Pathfinder Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 4th of June 2023 and ending today, the 25th of November 2024. Click here to learn more.
Business Domain
Banks
IPO Date
30th of May 1996
Category
Financial Services
Classification
Financials
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. The company has 4.72 M outstanding shares of which 4.27 K shares are at this time shorted by private and institutional investors with about 1.11 trading days to cover. More on Pathfinder Bancorp

Moving together with Pathfinder Stock

  0.62PB Prosperity Bancshares Fiscal Year End 22nd of January 2025 PairCorr
  0.7RF Regions Financial Fiscal Year End 17th of January 2025 PairCorr

Moving against Pathfinder Stock

  0.52TFC-PO Truist FinancialPairCorr
  0.48TFC-PR Truist FinancialPairCorr
  0.44WF Woori Financial GroupPairCorr
  0.42CFG-PE Citizens FinancialPairCorr

Pathfinder Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEO PresidentCPA CPA
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00390.0063
Way Down
Very volatile
Asset Turnover0.02740.0281
Fairly Down
Very volatile
Gross Profit Margin0.780.87
Moderately Down
Slightly volatile
Total Current Liabilities132 M125.7 M
Sufficiently Up
Slightly volatile
Non Current Liabilities Total1.3 B1.2 B
Sufficiently Up
Slightly volatile
Total Assets1.5 B1.5 B
Sufficiently Up
Slightly volatile
Total Current Assets46.3 M48.7 M
Notably Down
Very volatile
Total Cash From Operating Activities7.9 M15.4 M
Way Down
Slightly volatile
Debt Levels
Pathfinder Bancorp can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Pathfinder Bancorp's financial leverage. It provides some insight into what part of Pathfinder Bancorp's total assets is financed by creditors.
Liquidity
Pathfinder Bancorp currently holds 211.6 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.

Change In Cash

14.12 Million
Pathfinder Bancorp (PBHC) is traded on NASDAQ Exchange in USA. It is located in 214 West First Street, Oswego, NY, United States, 13126 and employs 161 people. Pathfinder Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 109.8 M. Pathfinder Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 4.72 M outstanding shares of which 4.27 K shares are at this time shorted by private and institutional investors with about 1.11 trading days to cover. Pathfinder Bancorp currently holds about 43.75 M in cash with 15.43 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.36.
Check Pathfinder Bancorp Probability Of Bankruptcy
Ownership Allocation
The market capitalization of Pathfinder Bancorp is $109.8 Million. Pathfinder Bancorp has significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check Pathfinder Ownership Details

Pathfinder Stock Institutional Holders

InstituionRecorded OnShares
Caldwell Sutter Capital Inc2024-09-30
14.8 K
Bridgeway Capital Management, Llc2024-09-30
10.2 K
Blackrock Inc2024-06-30
8.3 K
Royal Bank Of Canada2024-06-30
5.9 K
Tower Research Capital Llc2024-06-30
1.1 K
Morgan Stanley - Brokerage Accounts2024-06-30
988
Ubs Group Ag2024-06-30
366
Bank Of America Corp2024-06-30
19.0
Wells Fargo & Co2024-06-30
0.0
Minerva Advisors Llc2024-09-30
262.2 K
Alliancebernstein L.p.2024-06-30
260.6 K
View Pathfinder Bancorp Diagnostics

Pathfinder Bancorp Historical Income Statement

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. View More Fundamentals

Pathfinder Stock Against Markets

Pathfinder Bancorp Corporate Executives

Elected by the shareholders, the Pathfinder Bancorp's board of directors comprises two types of representatives: Pathfinder Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Pathfinder. The board's role is to monitor Pathfinder Bancorp's management team and ensure that shareholders' interests are well served. Pathfinder Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Pathfinder Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
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 Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.
You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.
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.