PATHFINDER BANCORP INC (PBHC) Stock Fundamental Analysis

NASDAQ:PBHC • US70319R1095

13.13 USD
-0.37 (-2.74%)
Last: Feb 27, 2026, 08:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

PBHC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. PBHC has a bad profitability rating. Also its financial health evaluation is rather negative. PBHC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year PBHC was profitable.
  • In the past year PBHC had a positive cash flow from operations.
  • In the past 5 years PBHC has always been profitable.
  • Each year in the past 5 years PBHC had a positive operating cash flow.
PBHC Yearly Net Income VS EBIT VS OCF VS FCFPBHC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

  • The Return On Assets of PBHC (0.39%) is worse than 84.70% of its industry peers.
  • PBHC has a Return On Equity of 4.53%. This is amonst the worse of the industry: PBHC underperforms 81.53% of its industry peers.
Industry RankSector Rank
ROA 0.39%
ROE 4.53%
ROIC N/A
ROA(3y)0.46%
ROA(5y)0.51%
ROE(3y)5.73%
ROE(5y)6.23%
ROIC(3y)N/A
ROIC(5y)N/A
PBHC Yearly ROA, ROE, ROICPBHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.38%, PBHC is doing worse than 83.64% of the companies in the same industry.
  • PBHC's Profit Margin has declined in the last couple of years.
  • PBHC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-37.58%
PM growth 5Y-14.02%
GM growth 3YN/A
GM growth 5YN/A
PBHC Yearly Profit, Operating, Gross MarginsPBHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • PBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PBHC has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PBHC has been increased compared to 5 years ago.
  • Compared to 1 year ago, PBHC has a worse debt to assets ratio.
PBHC Yearly Shares OutstandingPBHC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
PBHC Yearly Total Debt VS Total AssetsPBHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

  • The Debt to FCF ratio of PBHC is 9.49, which is on the high side as it means it would take PBHC, 9.49 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PBHC (9.49) is worse than 77.04% of its industry peers.
  • PBHC has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
  • PBHC has a worse Debt to Equity ratio (0.37) than 71.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 9.49
Altman-Z N/A
ROIC/WACCN/A
WACC18.24%
PBHC Yearly LT Debt VS Equity VS FCFPBHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PBHC Yearly Current Assets VS Current LiabilitesPBHC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • PBHC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 270.88%, which is quite impressive.
  • PBHC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.05% yearly.
  • Looking at the last year, PBHC shows a quite strong growth in Revenue. The Revenue has grown by 9.94% in the last year.
  • The Revenue has been growing by 8.80% on average over the past years. This is quite good.
EPS 1Y (TTM)270.88%
EPS 3Y-38.16%
EPS 5Y-12.05%
EPS Q2Q%113.25%
Revenue 1Y (TTM)9.94%
Revenue growth 3Y4.32%
Revenue growth 5Y8.8%
Sales Q2Q%-2.51%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PBHC Yearly Revenue VS EstimatesPBHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.12, the valuation of PBHC can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of PBHC indicates a slightly more expensive valuation: PBHC is more expensive than 68.07% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. PBHC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.12
Fwd PE N/A
PBHC Price Earnings VS Forward Price EarningsPBHC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBHC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.82
EV/EBITDA N/A
PBHC Per share dataPBHC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • PBHC has a Yearly Dividend Yield of 2.96%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, PBHC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, PBHC pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.96%

5.2 History

  • The dividend of PBHC is nicely growing with an annual growth rate of 7.64%!
  • PBHC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PBHC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.64%
Div Incr Years4
Div Non Decr Years14
PBHC Yearly Dividends per sharePBHC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0 0 0 0

5.3 Sustainability

  • 43.73% of the earnings are spent on dividend by PBHC. This is a bit on the high side, but may be sustainable.
DP43.73%
EPS Next 2YN/A
EPS Next 3YN/A
PBHC Yearly Income VS Free CF VS DividendPBHC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
PBHC Dividend Payout.PBHC Dividend Payout, showing the Payout Ratio.PBHC Dividend Payout.PayoutRetained Earnings

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PATHFINDER BANCORP INC

NASDAQ:PBHC (2/27/2026, 8:26:05 PM)

13.13

-0.37 (-2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners24.54%
Inst Owner Change2.18%
Ins Owners13.47%
Ins Owner Change3.14%
Market Cap63.16M
Revenue(TTM)50.29M
Net Income(TTM)5.72M
Analysts0
Price TargetN/A
Short Float %0.24%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend0.4
Dividend Growth(5Y)7.64%
DP43.73%
Div Incr Years4
Div Non Decr Years14
Ex-Date01-16
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.12
Fwd PE N/A
P/S 1.26
P/FCF 12.82
P/OCF 9.94
P/B 0.5
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)0.93
EY7.08%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.02
FCFY7.8%
OCF(TTM)1.32
OCFY10.06%
SpS10.46
BVpS26.27
TBVpS24.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.44
Profitability
Industry RankSector Rank
ROA 0.39%
ROE 4.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.38%
GM N/A
FCFM 9.79%
ROA(3y)0.46%
ROA(5y)0.51%
ROE(3y)5.73%
ROE(5y)6.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-37.58%
PM growth 5Y-14.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 9.49
Debt/EBITDA N/A
Cap/Depr 67.87%
Cap/Sales 2.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.24%
ROIC/WACCN/A
Cap/Depr(3y)248.61%
Cap/Depr(5y)177.19%
Cap/Sales(3y)6.52%
Cap/Sales(5y)5.11%
Profit Quality(3y)236.67%
Profit Quality(5y)350.25%
High Growth Momentum
Growth
EPS 1Y (TTM)270.88%
EPS 3Y-38.16%
EPS 5Y-12.05%
EPS Q2Q%113.25%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.94%
Revenue growth 3Y4.32%
Revenue growth 5Y8.8%
Sales Q2Q%-2.51%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.75%
FCF growth 3Y-21.54%
FCF growth 5Y15.14%
OCF growth 1Y-61.68%
OCF growth 3Y-17.76%
OCF growth 5Y6.66%

PATHFINDER BANCORP INC / PBHC FAQ

What is the fundamental rating for PBHC stock?

ChartMill assigns a fundamental rating of 2 / 10 to PBHC.


Can you provide the valuation status for PATHFINDER BANCORP INC?

ChartMill assigns a valuation rating of 1 / 10 to PATHFINDER BANCORP INC (PBHC). This can be considered as Overvalued.


How profitable is PATHFINDER BANCORP INC (PBHC) stock?

PATHFINDER BANCORP INC (PBHC) has a profitability rating of 2 / 10.


Can you provide the dividend sustainability for PBHC stock?

The dividend rating of PATHFINDER BANCORP INC (PBHC) is 6 / 10 and the dividend payout ratio is 43.73%.