PATHFINDER BANCORP INC (PBHC)
US70319R1095 - Common Stock
PBHC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. PBHC has a bad profitability rating. Also its financial health evaluation is rather negative. PBHC has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
PBHC had positive earnings in the past year.
In the past year PBHC had a positive cash flow from operations.
Each year in the past 5 years PBHC has been profitable.
PBHC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of PBHC (0.48%) is worse than 80.10% of its industry peers.
PBHC has a Return On Equity of 5.88%. This is in the lower half of the industry: PBHC underperforms 76.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 5.88% | ||
| ROIC | N/A |
ROA(3y)0.64%
ROA(5y)0.54%
ROE(3y)7.84%
ROE(5y)6.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PBHC has a worse Profit Margin (15.94%) than 77.43% of its industry peers.
In the last couple of years the Profit Margin of PBHC has grown nicely.
The Operating Margin and Gross Margin are not available for PBHC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.94% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.91%
PM growth 5Y3.18%
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.
PBHC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PBHC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PBHC is 2.55, which is a good value as it means it would take PBHC, 2.55 years of fcf income to pay off all of its debts.
PBHC has a Debt to FCF ratio (2.55) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.29 indicates that PBHC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.29, PBHC is in line with its industry, outperforming 41.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PBHC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.80%.
PBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.37% yearly.
Looking at the last year, PBHC shows a decrease in Revenue. The Revenue has decreased by -6.79% in the last year.
The Revenue has been growing by 8.30% on average over the past years. This is quite good.
EPS 1Y (TTM)-31.8%
EPS 3Y-0.17%
EPS 5Y4.37%
EPS growth Q2Q-40.34%
Revenue 1Y (TTM)-6.79%
Revenue growth 3Y4.98%
Revenue growth 5Y8.3%
Revenue growth Q2Q-19.59%
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 reasonably with a Price/Earnings ratio of 10.56.
PBHC's Price/Earnings ratio is in line with the industry average.
PBHC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.02.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PBHC is valued cheaper than 91.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.42
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.19%, PBHC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.76, PBHC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, PBHC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
On average, the dividend of PBHC grows each year by 9.27%, which is quite nice.
PBHC has paid a dividend for at least 10 years, which is 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)9.27%
Div Incr Years3
Div Non Decr Years13
5.3 Sustainability
31.75% of the earnings are spent on dividend by PBHC. This is a low number and sustainable payout ratio.
PBHC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.75%
EPS Next 2YN/A
EPS Next 3YN/A
PATHFINDER BANCORP INC
NASDAQ:PBHC (5/6/2024, 3:00:06 PM)
12.35
+0.04 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap58.29M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 5.88% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 15.94% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-31.8%
EPS 3Y-0.17%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.79%
Revenue growth 3Y4.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y