PATHFINDER BANCORP INC (PBHC) Fundamental Analysis & Valuation

NASDAQ:PBHC • US70319R1095

Current stock price

12.75 USD
-0.37 (-2.82%)
Last:

This PBHC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PBHC Profitability Analysis

1.1 Basic Checks

  • PBHC had positive earnings in the past year.
  • PBHC had a positive operating cash flow in the past year.
  • 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

  • PBHC has a Return On Assets of 0.39%. This is amonst the worse of the industry: PBHC underperforms 85.53% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.53%, PBHC is doing worse than 83.42% of the companies in the same industry.
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

  • PBHC has a Profit Margin of 11.38%. This is amonst the worse of the industry: PBHC underperforms 84.74% 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 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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0

2. PBHC Health Analysis

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.
  • Compared to 5 years ago, PBHC has more shares outstanding
  • PBHC has a worse debt/assets ratio than last year.
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

  • PBHC has a debt to FCF ratio of 9.49. This is a negative value and a sign of low solvency as PBHC would need 9.49 years to pay back of all of its debts.
  • PBHC has a Debt to FCF ratio of 9.49. This is in the lower half of the industry: PBHC underperforms 76.58% of its industry peers.
  • A Debt/Equity ratio of 0.37 indicates that PBHC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.37, PBHC is not doing good in the industry: 71.84% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 9.49
Altman-Z N/A
ROIC/WACCN/A
WACC18.36%
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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3

3. PBHC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 270.88% over the past 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.
  • The Revenue has grown by 9.94% in the past year. This is quite good.
  • 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)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. PBHC Valuation Analysis

4.1 Price/Earnings Ratio

  • PBHC is valuated correctly with a Price/Earnings ratio of 13.71.
  • 67.37% of the companies in the same industry are cheaper than PBHC, based on the Price/Earnings ratio.
  • PBHC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.75.
Industry RankSector Rank
PE 13.71
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.45
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. PBHC Dividend Analysis

5.1 Amount

  • PBHC has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
  • PBHC's Dividend Yield is comparable with the industry average which is at 2.66.
  • PBHC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.14%

5.2 History

  • On average, the dividend of PBHC grows each year by 7.64%, which is quite nice.
  • PBHC has paid a dividend for at least 10 years, which is 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
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

  • PBHC pays out 43.73% of its income as dividend. 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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PBHC Fundamentals: All Metrics, Ratios and Statistics

PATHFINDER BANCORP INC

NASDAQ:PBHC (3/26/2026, 8:00:02 PM)

12.75

-0.37 (-2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners24.18%
Inst Owner Change2.18%
Ins Owners13.62%
Ins Owner Change6.84%
Market Cap61.33M
Revenue(TTM)50.29M
Net Income(TTM)5.72M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
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 13.71
Fwd PE N/A
P/S 1.22
P/FCF 12.45
P/OCF 9.65
P/B 0.49
P/tB 0.53
EV/EBITDA N/A
EPS(TTM)0.93
EY7.29%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.02
FCFY8.03%
OCF(TTM)1.32
OCFY10.36%
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
WACC18.36%
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 Fundamental Analysis 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%.