Pathfinder Bancorp Valuation
| PBHC Stock | USD 13.60 0.07 0.51% |
At this time, the company appears to be overvalued. Pathfinder Bancorp holds a recent Real Value of $11.36 per share. The prevailing price of the company is $13.6. Our model determines the value of Pathfinder Bancorp from analyzing the company fundamentals such as Operating Margin of 0.01 %, shares outstanding of 4.79 M, and Return On Equity of 0.0294 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Pathfinder Bancorp's valuation include:
Price Book 0.6992 | Enterprise Value | Price Sales 2.7743 | Trailing PE 12.4333 | Enterprise Value Revenue 4.0549 |
Overvalued
Today
Please note that Pathfinder Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of Pathfinder Bancorp is based on 3 months time horizon. Increasing Pathfinder Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Pathfinder Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Pathfinder Stock. However, Pathfinder Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 13.6 | Real 11.36 | Hype 13.49 |
The real value of Pathfinder Stock, also known as its intrinsic value, is the underlying worth of Pathfinder Bancorp Company, which is reflected in its stock price. It is based on Pathfinder Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Pathfinder Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Pathfinder Bancorp helps investors to forecast how Pathfinder stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Pathfinder Bancorp more accurately as focusing exclusively on Pathfinder Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Pathfinder Bancorp's intrinsic value based on its ongoing forecasts of Pathfinder Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Pathfinder Bancorp's closest peers. If more than one evaluation category is relevant for Pathfinder Bancorp we suggest using both methods to arrive at a better estimate.
Pathfinder Bancorp Cash |
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Pathfinder Revenue by Product
About Pathfinder Bancorp Valuation
The stock valuation mechanism determines Pathfinder Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of Pathfinder Bancorp. We calculate exposure to Pathfinder Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Pathfinder Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 30.5 M | 20.8 M | |
| Pretax Profit Margin | (0.05) | (0.05) | |
| Operating Profit Margin | (0.05) | (0.05) | |
| Net Loss | (0.04) | (0.04) | |
| Gross Profit Margin | 0.39 | 0.50 |
Pathfinder Bancorp Quarterly Retained Earnings |
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A single share of Pathfinder Bancorp represents a small ownership stake in the entity. As a stockholder of Pathfinder, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Pathfinder Bancorp Dividends Analysis For Valuation
The current year's Dividends Paid is expected to grow to about (2 M). In addition to that, Dividend Yield is expected to decline to 0.02. As of February 13, 2026, Retained Earnings is expected to decline to about 37.2 M. In addition to that, Retained Earnings Total Equity is expected to decline to about 28.7 M
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -2.1 M | -2 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | (0.74) | (0.70) | |
| Dividend Paid And Capex Coverage Ratio | 0.94 | 0.89 |
There are various types of dividends Pathfinder Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Pathfinder shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Pathfinder Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Pathfinder pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Pathfinder Bancorp by the value of the dividends paid out.
Pathfinder Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 6.3 M | |
| Quarterly Earnings Growth Y O Y | -0.984 | |
| Forward Annual Dividend Rate | 0.4 | |
| Shares Float | 3.5 M |
Pathfinder Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of Pathfinder Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Pathfinder we look at many different elements of the entity such as Pathfinder's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Pathfinder Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Pathfinder Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Pathfinder Bancorp's worth.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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