14.34 USD
+0.12 (+0.81%)
Taking everything into account, PBHC scores 2 out of 10 in our fundamental rating. PBHC was compared to 383 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.
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.
1.2 Ratios
- The Return On Assets of PBHC (0.11%) is worse than 87.99% of its industry peers.
- Looking at the Return On Equity, with a value of 1.39%, PBHC is doing worse than 86.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.39% | ||
| 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
- PBHC's Profit Margin of 3.41% is on the low side compared to the rest of the industry. PBHC is outperformed by 88.25% of its industry peers.
- In the last couple of years the Profit Margin of PBHC has declined.
- 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) | 3.41% | ||
| 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
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.
- PBHC has a worse debt/assets ratio than last year.
2.2 Solvency
- PBHC has a debt to FCF ratio of 5.01. This is a neutral value as PBHC would need 5.01 years to pay back of all of its debts.
- PBHC's Debt to FCF ratio of 5.01 is on the low side compared to the rest of the industry. PBHC is outperformed by 71.80% of its industry peers.
- A Debt/Equity ratio of 0.38 indicates that PBHC is not too dependend on debt financing.
- PBHC's Debt to Equity ratio of 0.38 is on the low side compared to the rest of the industry. PBHC is outperformed by 71.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 5.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for PBHC have decreased strongly by -74.57% in the last year.
- The earnings per share for PBHC have been decreasing by -12.05% on average. This is quite bad
- PBHC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.23%.
- PBHC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.80% yearly.
EPS 1Y (TTM)-74.57%
EPS 3Y-38.16%
EPS 5Y-12.05%
EPS Q2Q%-98.39%
Revenue 1Y (TTM)16.23%
Revenue growth 3Y4.32%
Revenue growth 5Y8.8%
Sales Q2Q%-13.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 51.21, the valuation of PBHC can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of PBHC indicates a rather expensive valuation: PBHC more expensive than 86.42% of the companies listed in the same industry.
- PBHC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.47.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.21 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, PBHC is valued cheaply inside the industry as 84.07% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.36 | ||
| 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
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.79%, PBHC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.91, PBHC has a dividend in line with its industry peers.
- PBHC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
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 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
5.3 Sustainability
- 144.55% 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.
DP144.55%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:PBHC (1/15/2026, 8:06:16 PM)
14.34
+0.12 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29
Earnings (Next)01-29 2026-01-29
Inst Owners24.54%
Inst Owner Change0%
Ins Owners13.47%
Ins Owner Change2.43%
Market Cap68.69M
Revenue(TTM)50.63M
Net Income(TTM)1.73M
Analysts0
Price TargetN/A
Short Float %0.18%
Short Ratio1.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
Yearly Dividend0.4
Dividend Growth(5Y)7.64%
DP144.55%
Div Incr Years4
Div Non Decr Years14
Ex-Date01-16 2026-01-16 (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 | 51.21 | ||
| Fwd PE | N/A | ||
| P/S | 1.36 | ||
| P/FCF | 7.36 | ||
| P/OCF | 6.16 | ||
| P/B | 0.55 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.28
EY1.95%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.95
FCFY13.59%
OCF(TTM)2.33
OCFY16.23%
SpS10.57
BVpS25.97
TBVpS23.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.41% | ||
| GM | N/A | ||
| FCFM | 18.44% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 5.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 96.08% | ||
| Cap/Sales | 3.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 540.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
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)-74.57%
EPS 3Y-38.16%
EPS 5Y-12.05%
EPS Q2Q%-98.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.23%
Revenue growth 3Y4.32%
Revenue growth 5Y8.8%
Sales Q2Q%-13.04%
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-20.96%
FCF growth 3Y-21.54%
FCF growth 5Y15.14%
OCF growth 1Y-32.93%
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 2 / 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 5 / 10 and the dividend payout ratio is 144.55%.