PATHFINDER BANCORP INC (PBHC) Fundamental Analysis & Valuation

NASDAQ:PBHC • US70319R1095

13.51 USD
-0.13 (-0.97%)
Last: Mar 5, 2026, 08:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

2

Taking everything into account, PBHC scores 2 out of 10 in our fundamental rating. PBHC was compared to 379 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.


Dividend Valuation Growth Profitability Health

2

1. PBHC Profitability Analysis

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.
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 worse Return On Assets (0.39%) than 84.70% of its industry peers.
  • PBHC's Return On Equity of 4.53% is on the low side compared to the rest of the industry. PBHC is outperformed by 81.53% of its industry peers.
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

  • With a Profit Margin value of 11.38%, PBHC is not doing good in the industry: 83.64% of the companies in the same industry are doing better.
  • 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • Compared to 1 year ago, PBHC has a worse debt to assets ratio.
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

  • The Debt to FCF ratio of PBHC is 9.49, which is on the high side as it means it would take PBHC, 9.49 years of fcf income to pay off all of its debts.
  • PBHC has a worse Debt to FCF ratio (9.49) than 77.04% of its industry peers.
  • PBHC has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.37, PBHC is doing worse than 71.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 9.49
Altman-Z N/A
ROIC/WACCN/A
WACC18.2%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PBHC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 270.88% over the past 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.
  • Looking at the last year, PBHC shows a quite strong growth in Revenue. The Revenue has grown by 9.94% in the last year.
  • The Revenue has been growing by 8.80% on average over the past years. This is quite good.
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. PBHC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.53, the valuation of PBHC can be described as correct.
  • PBHC's Price/Earnings ratio is a bit more expensive when compared to the industry. PBHC is more expensive than 70.45% of the companies in the same industry.
  • PBHC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.69.
Industry RankSector Rank
PE 14.53
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBHC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.19
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. PBHC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.96%, PBHC has a reasonable but not impressive dividend return.
  • PBHC's Dividend Yield is comparable with the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.82, PBHC pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.96%

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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

PBHC Fundamentals: All Metrics, Ratios and Statistics

PATHFINDER BANCORP INC

NASDAQ:PBHC (3/5/2026, 8:14:22 PM)

13.51

-0.13 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners24.54%
Inst Owner Change2.18%
Ins Owners13.47%
Ins Owner Change3.14%
Market Cap64.98M
Revenue(TTM)50.29M
Net Income(TTM)5.72M
Analysts0
Price TargetN/A
Short Float %0.17%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
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 14.53
Fwd PE N/A
P/S 1.29
P/FCF 13.19
P/OCF 10.23
P/B 0.51
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)0.93
EY6.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.02
FCFY7.58%
OCF(TTM)1.32
OCFY9.78%
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
WACC18.2%
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 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%.