Pathfinder Bancorp (PBHC) Stock Price, News & Analysis

Company Overview

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.

Key Stats

• Today's Range: $17.25 to $17.61
• 50-Day Range: $16.16 to $18.91
• 52-Week Range: $11.41 to $19.86
• Volume: 2,423 shs
• Average Volume: 4,092 shs
• Market Capitalization: $83.12 million
• P/E Ratio: 55.03
• Dividend Yield: 2.27%
• Price Target: N/A
• Consensus Rating: N/A

Pathfinder Bancorp Stock Analysis - MarketRank™

Pathfinder Bancorp scored higher than 39% of companies evaluated by MarketBeat, and ranked 679th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pathfinder Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pathfinder Bancorp is 55.03, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 113.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathfinder Bancorp is 55.03, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 26.69.

Price to Book Value per Share Ratio

Pathfinder Bancorp has a P/B Ratio of 0.69. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.13% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 0.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 16.67%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Pathfinder Bancorp pays a meaningful dividend of 2.38%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pathfinder Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pathfinder Bancorp is 125.00%. Payout ratios above 75% are not desirable because they may not be sustainable.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.13% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 0.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 16.67%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.8 / 5
• News Sentiment: N/A

News Sentiment

Pathfinder Bancorp has a news sentiment score of -0.55. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.75 average news sentiment score of Finance companies.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pathfinder Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $137,239.00 in company stock.

Percentage Held by Insiders

22.40% of the stock of Pathfinder Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 26.73% of the stock of Pathfinder Bancorp is held by institutions.

PBHC Stock Analysis - Frequently Asked Questions

How have PBHC shares performed this year?

Pathfinder Bancorp's stock was trading at $14.01 at the beginning of 2024. Since then, PBHC stock has increased by 25.7% and is now trading at $17.61.
View the best growth stocks for 2024 here.

How were Pathfinder Bancorp's earnings last quarter?

Pathfinder Bancorp, Inc. (NASDAQ:PBHC) announced its quarterly earnings data on Wednesday, October, 30th. The savings and loans company reported ($0.75) EPS for the quarter. The savings and loans company earned $13.44 million during the quarter. Pathfinder Bancorp had a net margin of 2.42% and a trailing twelve-month return on equity of 1.65%.

Who are Pathfinder Bancorp's major shareholders?

Pathfinder Bancorp's top institutional investors include Fourthstone LLC (1.69%), Inspire Investing LLC (1.07%) and Geode Capital Management LLC (0.49%). Insiders that own company stock include Ronald Tascarella, Walter Rusnak, James A Dowd, Daniel R Phillips, Robert G Jr Butkowski, George P Joyce, David A Ayoub, Eric Allyn, Meghan Crawford-Hamlin, Calvin Corriders and Adam C Gagas.
View institutional ownership trends.

How do I buy shares of Pathfinder Bancorp?

Shares of PBHC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Pathfinder Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pathfinder Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF) and Novo Nordisk A/S (NVO).

Company Calendar

• Ex-Dividend for 11/8 Dividend: 10/18/2024
• Last Earnings: 10/30/2024
• Dividend Payable: 11/08/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PBHC
• CUSIP: N/A
• CIK: 1609065
• Web: www.pathfinderbank.com
• Phone: (315) 343-0057
• Fax: 315-342-9403
• Employees: 170
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $0.32
• Trailing P/E Ratio: 55.03
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.29 million
• Net Margins: 2.42%
• Pretax Margin: 3.10%
• Return on Equity: 1.65%
• Return on Assets: 0.14%

Debt

• Debt-to-Equity Ratio: 0.33
• Current Ratio: 0.74
• Quick Ratio: 0.74

Sales & Book Value

• Annual Sales: $44.74 million
• Price / Sales: 1.86
• Cash Flow: $2.58 per share
• Price / Cash Flow: 6.83
• Book Value: $25.48 per share
• Price / Book: 0.69

Miscellaneous

• Outstanding Shares: 4,720,000
• Free Float: 3,663,000
• Market Cap: $83.12 million
• Optionable: Not Optionable
• Beta: 0.23