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PATHFINDER BANCORP INC (PBHC) Stock Fundamental Analysis

USA - NASDAQ:PBHC - US70319R1095 - Common Stock

15.1 USD
+0.04 (+0.27%)
Last: 11/10/2025, 8:21:03 PM
Fundamental Rating

2

PBHC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of PBHC have multiple concerns. PBHC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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.
PBHC had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

PBHC has a worse Return On Assets (0.11%) than 87.89% of its industry peers.
PBHC has a worse Return On Equity (1.39%) than 87.37% of its industry peers.
Industry RankSector 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
PBHC Yearly ROA, ROE, ROICPBHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

PBHC has a Profit Margin of 3.41%. This is amonst the worse of the industry: PBHC underperforms 87.63% of its industry peers.
In the last couple of years the Profit Margin of PBHC has declined.
The Operating Margin and Gross Margin are not available for PBHC so they could not be analyzed.
Industry RankSector 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
PBHC Yearly Profit, Operating, Gross MarginsPBHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

PBHC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PBHC has been increased compared to 1 year ago.
The number of shares outstanding for PBHC has been increased compared to 5 years ago.
The debt/assets ratio for PBHC is higher compared to a year ago.
PBHC Yearly Shares OutstandingPBHC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

The Debt to FCF ratio of PBHC is 5.01, which is a neutral value as it means it would take PBHC, 5.01 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.01, PBHC is not doing good in the industry: 69.59% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.38 indicates that PBHC is not too dependend on debt financing.
PBHC has a worse Debt to Equity ratio (0.38) than 73.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 5.01
Altman-Z N/A
ROIC/WACCN/A
WACC17.95%
PBHC Yearly LT Debt VS Equity VS FCFPBHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M

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2

3. Growth

3.1 Past

PBHC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -74.57%.
The earnings per share for PBHC have been decreasing by -12.05% on average. This is quite bad
Looking at the last year, PBHC shows a quite strong growth in Revenue. The Revenue has grown by 16.23% 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)-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.
PBHC Yearly Revenue VS EstimatesPBHC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 53.93 indicates a quite expensive valuation of PBHC.
Compared to the rest of the industry, the Price/Earnings ratio of PBHC indicates a rather expensive valuation: PBHC more expensive than 86.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, PBHC is valued quite expensively.
Industry RankSector Rank
PE 53.93
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

PBHC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PBHC is cheaper than 82.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.75
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

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5

5. Dividend

5.1 Amount

PBHC has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.
PBHC's Dividend Yield is comparable with the industry average which is at 3.38.
Compared to an average S&P500 Dividend Yield of 2.36, PBHC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.65%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

PBHC pays out 144.55% of its income as dividend. This is not a sustainable payout ratio.
PBHC's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP144.55%
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 2015 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 (11/10/2025, 8:21:03 PM)

15.1

+0.04 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29
Earnings (Next)01-29 2026-01-29
Inst Owners22.32%
Inst Owner Change-0.09%
Ins Owners13.31%
Ins Owner Change1.47%
Market Cap72.33M
Revenue(TTM)50.63M
Net Income(TTM)1.73M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.63
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend0.4
Dividend Growth(5Y)7.64%
DP144.55%
Div Incr Years4
Div Non Decr Years14
Ex-Date10-17 2025-10-17 (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 RankSector Rank
PE 53.93
Fwd PE N/A
P/S 1.43
P/FCF 7.75
P/OCF 6.49
P/B 0.58
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)0.28
EY1.85%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.95
FCFY12.91%
OCF(TTM)2.33
OCFY15.41%
SpS10.57
BVpS25.97
TBVpS23.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.79
Profitability
Industry RankSector 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 RankSector 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
WACC17.95%
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.


What is the valuation status of PATHFINDER BANCORP INC (PBHC) stock?

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 financial health for PBHC stock?

The financial health rating of PATHFINDER BANCORP INC (PBHC) is 1 / 10.


Is the dividend of PATHFINDER BANCORP INC sustainable?

The dividend rating of PATHFINDER BANCORP INC (PBHC) is 5 / 10 and the dividend payout ratio is 144.55%.