PBHC logo

Pathfinder Bancorp (PBHC)

Profile

Full Name

Pathfinder Bancorp, Inc.

Ticker Symbol

PBHC

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

November 16, 1995

Indexes

Not included

Website

http://www.pathfinderbank.com

Employees

172

Key Details

Price

$15.16(-1.04%)

Market cap

Last Dividend

$0.10

TTM Dividend yield

2.64%

Annual revenue

$46.11M(+7.05% YoY)

Annual EPS

$0.54(-64.24% YoY)

PE ratio

25.27

Next earnings date

Apr 29, 2025

Next ex-dividend date

Apr 17, 2025

Next split date

N/A

Price

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Current Price

$15.16
PBHC price is $15.16

30-Day Relative Volume

0.67
PBHC 30-day relative volume is 0.67

Price Performance

Price Most recent change

-1.04%
PBHC price was down -1.04% on Apr 15, 2025

Price YTD change

-13.37%
PBHC price is down -13.37% since January 1st

Price 1-year change

+26.54%
PBHC price is up +26.54% year-on-year

Price 3-year change

-24.88%
PBHC price is down -24.88% over the past 3 years

Price Range

Price All-time high

$21.99
PBHC price is currently -31.06% below its historical high of $21.99

Price 3-year low

$11.41
PBHC price is currently +32.87% above its 3-year low

Capitalization

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Market cap

Market cap

$93.14M
PBHC market capitalization is $93.14 million

Market cap 3-year change

-22.86%
PBHC market capitalization is down -22.86% over the past 3 years

Market cap All-time high

$131.92M
PBHC market capitalization is currently -29.40% below its historical high of $131.92 million

Market cap sector rank

20.79%
PBHC market capitalization is higher than 20.79% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

+0.72%
PBHC shares outstanding is up +0.72% year-on-year

Shares Outstanding 3-Year Change

+2.68%
PBHC shares outstanding is up +2.68% over the past 3 years

Technical Indicators

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Beta

0.28
PBHC beta is 0.28

200-day SMA

$16.42
PBHC price is currently -7.66% below its 200-day simple moving average

50-day SMA

$16.71
PBHC price is currently -9.29% below its 50-day simple moving average

RSI

36.99
PBHC 14-day relative strength index is 36.99

Volume

0.67
PBHC 30-day relative volume is 0.67

ATR

$0.44
PBHC average true range is $0.44

10-day Historical Volatility

45.07%
PBHC 10-day historical volatility is 45.07%

Dividend

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Events

Last Paid Dividend

$0.10
PBHC last dividend was $0.10 per share, with an ex-dividend date of January 17, 2025

Next Dividend

$0.10
PBHC has announced a dividend of $0.10 per share, with an ex-dividend date set for April 17, 2025

Dividend per share

Dividend per share

$0.39
PBHC annual dividend per share is $0.39

Dividend per share Sector Rank

14.5%
PBHC annual dividend per share is higher than 14.5% of companies in Financial Services sector

Dividend per share 1-Year Change

+8.33%
PBHC annual dividend per share is up +8.33% year-on-year

Dividend per share 3-Year Change

+44.44%
PBHC annual dividend per share is up +44.44% over the past 3 years

Dividend yield

Dividend yield

2.57%
PBHC annual dividend yield is 2.57%

Dividend yield Sector Rank

21.93%
PBHC annual dividend yield is higher than 21.93% of companies in Financial Services sector

Other

Payout ratio

70.29%
PBHC annual payout ratio is 70.29%

Dividends paid

$2.38M
PBHC annual dividends paid is $2.38 million

Free cash flow

$2.88M
PBHC annual free cash flow is $2.88 million

Income Statement

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Revenue

Revenue

$46.11M
PBHC annual revenue is $46.11 million

Revenue Analysts estimate

-
PBHC annual revenue consensus analysts' forecast is unknown

Revenue 1-year change

+7.05%
PBHC annual revenue is up +7.05% year-on-year

Revenue Sector rank

32.01%
PBHC annual revenue is higher than 32.01% of companies in Financial Services sector

EPS

EPS

$0.54
PBHC annual earnings per share is $0.54

EPS Analysts estimate

-
PBHC annual earnings per share consensus analysts' forecast is unknown

EPS 1-year change

-64.24%
PBHC annual earnings per share is down -64.24% year-on-year

EPS Sector rank

35.82%
PBHC annual earnings per share is higher than 35.82% of companies in Financial Services sector

Profit

Gross profit

-
PBHC annual gross profit value is unknown

Gross margin

-
PBHC annual gross profit margin value is unknown

Operating profit

-
PBHC annual operating income value is unknown

Operating margin

-
PBHC annual operating profit margin value is unknown

Net income

$3.38M
PBHC annual net profit is $3.38 million

Net margin

7.34%
PBHC annual net profit margin is 7.34%

Expenses

Total expenses

-
PBHC annual total expenses value is unknown

Operating expenses

$22.49M
PBHC annual total operating expenses is $22.49 million

Cost of goods sold

-
PBHC annual cost of goods sold value is unknown

Selling, general & administrative expenses

$19.33M
PBHC annual SGA is $19.33 million

Depreciation and amortization

$1.34M
PBHC annual depreciation & amortization is $1.34 million

Interest expense

-
PBHC annual interest expense value is unknown

Income tax

$398.00K
PBHC annual income tax is $398.00 thousand

EBIT & EBITDA

EBIT

$42.53M
PBHC annual earnings before interest & taxes is $42.53 million

EBITDA

$43.87M
PBHC annual EBITDA is $43.87 million

Balance Sheet

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Assets

Total assets

$1.47B
PBHC annual total assets is $1.47 billion

Non current assets

$1.41B
PBHC annual long term assets is $1.41 billion

Current assets

$307.78M
PBHC annual total current assets is $307.78 million

Cash and cash equivalents

$31.57M
PBHC annual cash & cash equivalents is $31.57 million

Accounts receivable

$6.88M
PBHC annual accounts receivable is $6.88 million

Inventory

-
PBHC annual inventory value is unknown

Liabilities

Total liabilities

$1.35B
PBHC annual total liabilities is $1.35 billion

Long term liabilities

$1.28B
PBHC annual total long term liabilities is $1.28 billion

Current liabilities

$61.55M
PBHC annual total current liabilities is $61.55 million

Accounts payable

$546.00K
PBHC annual accounts payable is $546.00 thousand

Debt

Total debt

$136.51M
PBHC annual total debt is $136.51 million

Total debt 1-year change

-35.49%
PBHC annual total debt is down -35.49% year-on-year

Long term debt

$75.51M
PBHC annual long term debt is $75.51 million

Short term debt

$61.00M
PBHC annual short term debt is $61.00 million

Equity & Capital

Shareholders equity

$121.48M
PBHC annual stockholders equity is $121.48 million

Book value

$121.86M
PBHC annual book value is $121.86 million

Retained earnings

$78.19M
PBHC annual retained earnings is $78.19 million

Working capital

$246.24M
PBHC annual working capital is $246.24 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$11.21M
PBHC annual cash flow from operations is $11.21 million

Cash from operations 1-year change

-27.37%
PBHC annual cash flow from operations is down -27.37% year-on-year

Cash from investing

-$22.40M
PBHC annual cash flow from investing activities is -$22.40 million

Cash from investing 1-year change

+59.12%
PBHC annual cash flow from investing activities is up +59.12% year-on-year

Cash from financing

-$5.97M
PBHC annual cash flow from financing activities is -$5.97 million

Cash from financing 1-year change

-111.31%
PBHC annual cash flow from financing activities is down -111.31% year-on-year

CAPEX

CAPEX

$8.33M
PBHC annual capital expenditures is $8.33 million

CAPEX 1-year change

+323.86%
PBHC annual capital expenditures is up +323.86% year-on-year

Free Cash Flow

Free cash flow

$2.88M
PBHC annual free cash flow is $2.88 million

Free cash flow 1-year change

-78.64%
PBHC annual free cash flow is down -78.64% year-on-year

Profitability Ratios

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Margins

Gross margin

-
PBHC annual gross profit margin value is unknown

Operating margin

-
PBHC annual operating profit margin value is unknown

Net margin

7.34%
PBHC annual net profit margin is 7.34%

ROA & ROE

ROA

0.23%
PBHC annual return on assets is 0.23%

ROE

2.80%
PBHC annual return on equity is 2.80%

Valuation

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PE Ratio

PE ratio

25.27
PBHC price to earnings ratio is 25.27

PE ratio Sector rank

78.48%
PBHC price to earnings ratio is higher than 78.48% of companies in Financial Services sector

PB Ratio

PB ratio

0.76
PBHC price to book ratio is 0.76

PB ratio Sector rank

24.83%
PBHC price to book ratio is higher than 24.83% of companies in Financial Services sector

PS Ratio

PS ratio

2.02
PBHC price to sales ratio is 2.02

PS ratio Sector rank

32.28%
PBHC price to sales ratio is higher than 32.28% of companies in Financial Services sector

Enterprise value

Enterprise value

$198.08M
PBHC enterprise value is $198.08 million

Enterprise value Sector rank

33.41%
PBHC enterprise value is higher than 33.41% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

4.52
PBHC EV/EBITDA is 4.52

EV/EBITDA Sector rank

58.55%
PBHC EV/EBITDA is higher than 58.55% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

5.00
PBHC annual current ratio is 5.00

Quick ratio

-
PBHC annual quick ratio value is unknown

Leverage

Debt to equity

0.97
PBHC annual debt to equity ratio is 0.97

Interest coverage ratio

-
PBHC annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
PBHC piotroski f-score value is unknown

Altman Z-Score

0.44
PBHC altman z-score is 0.44

Analyst ratings

Recent major analysts updates

No data about analysts updates

Institutional Ownership

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  • What is the ticker symbol for Pathfinder Bancorp?
  • Does Pathfinder Bancorp pay dividends?
  • What sector is Pathfinder Bancorp in?
  • What industry is Pathfinder Bancorp in?
  • What country is Pathfinder Bancorp based in?
  • When did Pathfinder Bancorp go public?
  • Is Pathfinder Bancorp in the S&P 500?
  • Is Pathfinder Bancorp in the NASDAQ 100?
  • Is Pathfinder Bancorp in the Dow Jones?
  • When was Pathfinder Bancorp's last earnings report?
  • When does Pathfinder Bancorp report earnings?

What is the ticker symbol for Pathfinder Bancorp?

The ticker symbol for Pathfinder Bancorp is NASDAQ:PBHC

Does Pathfinder Bancorp pay dividends?

Yes, Pathfinder Bancorp pays dividends. The last payment was $0.10, with an ex-dividend date on January 17, 2025

What sector is Pathfinder Bancorp in?

Pathfinder Bancorp is in the Financial Services sector

What industry is Pathfinder Bancorp in?

Pathfinder Bancorp is in the Banks - Regional industry

What country is Pathfinder Bancorp based in?

Pathfinder Bancorp is headquartered in United States

When did Pathfinder Bancorp go public?

Pathfinder Bancorp's initial public offering (IPO) was on November 16, 1995

Is Pathfinder Bancorp in the S&P 500?

No, Pathfinder Bancorp is not included in the S&P 500 index

Is Pathfinder Bancorp in the NASDAQ 100?

No, Pathfinder Bancorp is not included in the NASDAQ 100 index

Is Pathfinder Bancorp in the Dow Jones?

No, Pathfinder Bancorp is not included in the Dow Jones index

When was Pathfinder Bancorp's last earnings report?

Pathfinder Bancorp's most recent earnings report was on Jan 31, 2025

When does Pathfinder Bancorp report earnings?

The next expected earnings date for Pathfinder Bancorp is Apr 29, 2025
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