We have set up our new Discord server! Share your feedback and find like-minded people! Join our Discord

Ticker
PBHC

Price
15.61
Stock movement down
-0.51 (-3.16%)
Company name
Pathfinder Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
73.68M
Ent value
1.40B
Price/Sales
1.35
Price/Book
0.61
Div yield
2.56%
Div growth
8.67%
Growth years
3
FCF payout
11.74%
Trailing P/E
83.53
Forward P/E
-
PEG
-
EPS growth
-18.29%
1 year return
28.80%
3 year return
-9.33%
5 year return
2.35%
10 year return
6.64%
Last updated: 2025-04-12
Pathfinder declares $0.10 dividend
March 31, 2025

iO Charts is a Seeking Alpha partner

Pathfinder GAAP EPS of $0.69, revenue of $15.73M
January 31, 2025

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Dividend yield data
Dividend per share0.40
Dividend yield2.56%
Payout frequency-
Maximum yield3.34%
Average yield2.25%
Minimum yield1.61%
Discount to avg yield12.37%
Upside potential14.11%
Yield as % of max yield76.75%

Yield distribution (inverse percentile) - 5y

Yield distribution data
Dividend yield2.56%
Current yield distribution22.38%
Yield at 100% (Min)1.61%
Yield at 90%1.73%
Yield at 80%1.83%
Yield at 50% (Median)2.24%
Yield at 20%2.60%
Yield at 10%2.80%
Yield at 0% (Max)3.34%

Dividend per share

Dividend per share data
Years of growth3 years
CCC status-
Dividend per share0.40
Payout frequency-
Ex-div date17 Jan 2025
EPS (TTM)0.15
EPS (1y forward)-
EPS growth (5y)-18.29%
EPS growth (5y forward)-

Dividend growth

Please create a free account or log in to access this chart
Dividend growth data
PBHCS&P500
DGR MR11.11%-13.74%
DGR TTM8.33%6.60%
DGR 3 years14.47%5.24%
DGR 5 years8.67%5.40%
DGR 10 years17.32%7.07%
DGR 15 years2.46%6.12%
Time since last change announced379 days
EPS growth (5y)-18.29%
EPS growth (5y forward)-

Payout ratio

Please create a free account or log in to access this chart
Payout ratio data
EPS coverageFCF coverage
TTM261.79%11.74%
Average27.61%-
Forward--
Pathfinder declares $0.10 dividend
December 23, 2024

iO Charts is a Seeking Alpha partner

Pathfinder reports Q3 results
October 31, 2024

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Valuation Ratios data
Trailing P/E83.53
Price to OCF3.32
Price to FCF3.75
Price to EBITDA22.45
EV to EBITDA426.68

Valuation (Sales/Book Value)

Valuation (Sales/Book Value) data
Price to Sales1.35
Price to Book0.61
EV to Sales25.67
Pathfinder declares $0.10 dividend
September 30, 2024

iO Charts is a Seeking Alpha partner

Pathfinder GAAP EPS of $0.32, revenue of $10.7M
July 29, 2024

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Per share data
Current share count4.72M
EPS (TTM)0.15
FCF per share (TTM)3.25

Income statement

Income statement data
Revenue (TTM)54.56M
Gross profit (TTM)54.56M
Operating income (TTM)1.01M
Net income (TTM)882.00K
EPS (TTM)0.15
EPS (1y forward)-

Margins

Margins data
Gross margin (TTM)100.00%
Operating margin (TTM)1.85%
Profit margin (TTM)1.62%

Balance Sheet

Please create a free account or log in to access this chart
Balance Sheet data
Cash35.32M
Net receivables911.19M
Total current assets1.20B
Goodwill5.75M
Intangible assets6.22M
Property, plant and equipment0.00
Total assets1.48B
Accounts payable0.00
Short/Current long term debt148.59M
Total current liabilities60.31M
Total liabilities1.36B
Shareholder's equity121.10M
Net tangible assets0.00

Cash flow

Please create a free account or log in to access this chart
Cash flow data
Operating cash flow (TTM)22.18M
Capital expenditures (TTM)2.52M
Free cash flow (TTM)19.66M
Dividends paid (TTM)2.31M

Financial returns

Please create a free account or log in to access this chart
Financial returns data
Return on Equity0.73%
Return on Assets0.06%
Return on Invested Capital0.49%
Cash Return on Invested Capital10.84%
Pathfinder declares $0.10 dividend
July 1, 2024

iO Charts is a Seeking Alpha partner

Pathfinder Bancorp appoints Justin Bigham as the finance chief
May 8, 2024

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Stock price data
Open15.37
Daily high15.61
Daily low15.37
Daily Volume1K
All-time high21.99
1y analyst estimate-
Beta0.24
EPS (TTM)0.15
Dividend per share0.40
Ex-div date17 Jan 2025
Next earnings date28 Apr 2025

Downside potential

Downside potential data
PBHCS&P500
Current price drop from All-time high-29.01%-12.89%
Highest price drop-81.82%-56.47%
Date of highest drop13 Mar 20099 Mar 2009
Avg drop from high-33.13%-11.07%
Avg time to new high36 days12 days
Max time to new high2398 days1805 days
Pathfinder Q1 EPS of $0.34, revenue of $11.1M
April 30, 2024

iO Charts is a Seeking Alpha partner

Pathfinder declares $0.09 dividend
April 1, 2024

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
PBHC (Pathfinder Bancorp Inc) company logo
Marketcap
73.68M
Marketcap category
Small-cap
Description
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.
Employees
161
Website
https://www.pathfinderbank.com
Investor relations
SEC filings
PBHC SEC filings
CEO
Thomas W. Schneider
Country
USA
City
Oswego
Stock type
Common stock
CCC status
-
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
Pathfinder declares $0.09 dividend
December 26, 2023

iO Charts is a Seeking Alpha partner

Pathfinder Bancorp reports Q3 results
November 2, 2023

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
COMPANY NEWS
Seeking AlphaPress releases
Pathfinder declares $0.09 dividend
October 2, 2023
Pathfinder GAAP EPS of $0.32, revenue of $10.82M
August 1, 2023
Pathfinder declares $0.09 dividend
July 4, 2023
Pathfinder GAAP EPS of $0.43, revenue of $11.56M
May 2, 2023
Pathfinder declares $0.09 dividend
April 3, 2023
Jim Dowd named CEO of Pathfinder Bank
March 29, 2023
Pathfinder GAAP EPS of $0.58, revenue of $13.08M
January 31, 2023
Pathfinder declares $0.09 dividend
December 27, 2022
Pathfinder GAAP EPS of $0.52, revenue of $11.9M
October 31, 2022
Pathfinder declares $0.09 dividend
September 26, 2022
iO Charts is a Seeking Alpha partnerNext page
Disclaimer
Skyfall Technology OÜ assumes no responsibility or liability for any errors or omissions in the content of this site. The information contained in this site is provided on an “as is” basis with no guarantees of completeness, accuracy, usefulness or timeliness. Please also note, that any action you take upon the information provided on this website is strictly at your own risk. This website is intended to be used and must be used for informational purposes only and you should take independent financial advice from a professional and independently research and verify everything you see on the site.
Menu
HomePortfolio ManagementCompany ScreenerGreen InvestmentExchangesContact Us
Language
ENHUNOSVDAFIESDENLFRITPTPLCSSKROELTRRUAF
© 2024 Skyfall Technology OÜ All Rights Reserved