PATHFINDER BANCORP INC (PBHC) Stock Fundamental Analysis
USA - NASDAQ:PBHC - US70319R1095 - Common Stock
15.06 USD
-0.04 (-0.26%)
Overall PBHC gets a fundamental rating of 2 out of 10. We evaluated PBHC against 388 industry peers in the Banks industry. PBHC may be in some trouble as it scores bad on both profitability and health. PBHC does not seem to be growing, but still is valued expensively.
1. Profitability
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.
1.2 Ratios
PBHC has a worse Return On Assets (0.11%) than 87.69% of its industry peers.
The Return On Equity of PBHC (1.39%) is worse than 87.18% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 3.41%, PBHC is doing worse than 87.44% 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 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.
Compared to 1 year ago, PBHC has more shares outstanding
PBHC has more shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 5.01, PBHC is doing worse than 69.49% of the companies in the same industry.
A Debt/Equity ratio of 0.38 indicates that PBHC is not too dependend on debt financing.
The Debt to Equity ratio of PBHC (0.38) is worse than 73.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 5.01 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.96%
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.
PBHC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.05% yearly.
The Revenue has grown by 16.23% 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)-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
PBHC is valuated quite expensively with a Price/Earnings ratio of 53.79.
Based on the Price/Earnings ratio, PBHC is valued more expensive than 86.15% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, PBHC is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.79 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PBHC is valued cheaply inside the industry as 82.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.73 | ||
| 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
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.
PBHC's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector 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 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
144.55% of the earnings are spent on dividend by PBHC. 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
NASDAQ:PBHC (11/7/2025, 8:07:04 PM)
15.06
-0.04 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners22.32%
Inst Owner Change-0.09%
Ins Owners13.31%
Ins Owner Change1.47%
Market Cap72.14M
Revenue(TTM)50.63M
Net Income(TTM)1.73M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio0.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend0.4
Dividend Growth(5Y)7.64%
DP144.55%
Div Incr Years4
Div Non Decr Years14
Ex-Date
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 | 53.79 | ||
| Fwd PE | N/A | ||
| P/S | 1.42 | ||
| P/FCF | 7.73 | ||
| P/OCF | 6.47 | ||
| P/B | 0.58 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.28
EY1.86%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.95
FCFY12.94%
OCF(TTM)2.33
OCFY15.45%
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
WACC17.96%
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%.