PBHC Fundamental Analysis - PATHFINDER BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to PBHC. PBHC was compared to 396 industry peers in the Banks industry. PBHC may be in some trouble as it scores bad on both profitability and health. PBHC is valued expensive and it does not seem to be growing.

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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.

PBHC had positive earnings in each of the past 5 years.

In the past 5 years PBHC always reported a positive cash flow from operatings.

1.2 Ratios

PBHC's Return On Assets of 0.17% is on the low side compared to the rest of the industry. PBHC is outperformed by 87.12% of its industry peers.

PBHC's Return On Equity of 2.11% is on the low side compared to the rest of the industry. PBHC is outperformed by 86.62% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.17%
ROE	2.11%
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

1.3 Margins

The Profit Margin of PBHC (5.07%) is worse than 87.63% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	5.07%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

PBHC has more shares outstanding than it did 5 years ago.

The debt/assets ratio for PBHC is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of PBHC is 5.12, which is a neutral value as it means it would take PBHC, 5.12 years of fcf income to pay off all of its debts.

PBHC has a Debt to FCF ratio of 5.12. This is in the lower half of the industry: PBHC underperforms 71.21% of its industry peers.

PBHC has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.

PBHC has a Debt to Equity ratio of 0.39. This is in the lower half of the industry: PBHC underperforms 74.24% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.39
Debt/FCF	5.12
Altman-Z	N/A

ROIC/WACCN/A

WACC18.08%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PBHC have decreased strongly by -63.98% in the last year.

Measured over the past years, PBHC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.05% on average per year.

Looking at the last year, PBHC shows a quite strong growth in Revenue. The Revenue has grown by 14.61% in the last year.

Measured over the past years, PBHC shows a quite strong growth in Revenue. The Revenue has been growing by 8.80% on average per year.

EPS 1Y (TTM)-63.98%

EPS 3Y-38.16%

EPS 5Y-12.05%

EPS Q2Q%53.26%

Revenue 1Y (TTM)14.61%

Revenue growth 3Y4.32%

Revenue growth 5Y8.8%

Sales Q2Q%45.87%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 37.21, PBHC can be considered very expensive at the moment.

PBHC's Price/Earnings ratio is rather expensive when compared to the industry. PBHC is more expensive than 85.86% of the companies in the same industry.

PBHC is valuated rather expensively when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	37.21
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBHC indicates a somewhat cheap valuation: PBHC is cheaper than 79.04% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.13
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PBHC has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.51, PBHC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.39, PBHC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.63%

5.2 History

On average, the dividend of PBHC grows each year by 7.64%, which is quite nice.

PBHC has been paying a dividend for at least 10 years, so it has a reliable track record.

PBHC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)7.64%

Div Incr Years4

Div Non Decr Years14

5.3 Sustainability

94.66% of the earnings are spent on dividend by PBHC. This is not a sustainable payout ratio.

The Dividend Rate of PBHC has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP94.66%

EPS Next 2YN/A

EPS Next 3YN/A

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PATHFINDER BANCORP INC

NASDAQ:PBHC (6/9/2025, 4:04:02 PM)

15.63

+0.38 (+2.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-05 2025-05-05

Earnings (Next)07-28 2025-07-28

Inst Owners21.44%

Inst Owner Change-6.75%

Ins Owners18.2%

Ins Owner Change20.21%

Market Cap74.40M

Analysts0

Price TargetN/A

Short Float %0.13%

Short Ratio0.91

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.63%

Yearly Dividend0.4

Dividend Growth(5Y)7.64%

DP94.66%

Div Incr Years4

Div Non Decr Years14

Ex-Date04-17 2025-04-17 (0.1)

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 Rank	Sector Rank
PE	37.21
Fwd PE	N/A
P/S	1.47
P/FCF	8.13
P/OCF	6.64
P/B	0.61
P/tB	0.67
EV/EBITDA	N/A

EPS(TTM)0.42

EY2.69%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.92

FCFY12.29%

OCF(TTM)2.35

OCFY15.07%

SpS10.62

BVpS25.52

TBVpS23.2

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.17%
ROE	2.11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.07%
GM	N/A
FCFM	18.1%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.39
Debt/FCF	5.12
Debt/EBITDA	N/A
Cap/Depr	128.71%
Cap/Sales	4.08%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	356.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC18.08%

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)-63.98%

EPS 3Y-38.16%

EPS 5Y-12.05%

EPS Q2Q%53.26%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)14.61%

Revenue growth 3Y4.32%

Revenue growth 5Y8.8%

Sales Q2Q%45.87%

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-32.07%

FCF growth 3Y-21.54%

FCF growth 5Y15.14%

OCF growth 1Y-27.37%

OCF growth 3Y-17.76%

OCF growth 5Y6.66%

PATHFINDER BANCORP INC (PBHC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens