PBHC Stock Price, Pathfinder Bancorp Inc Quote, Chart

Market Summary

USD12.210.00

Delayed

0.00%

PBHC Stock Price

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PBHC RSI Chart

PBHC Valuation

Market Cap

57.6M

Price/Earnings (Trailing)

8.54

Price/Sales (Trailing)

0.81

EV/EBITDA

1.46

Price/Free Cashflow

7.33

PBHC Price/Sales (Trailing)

PBHC Profitability

EBT Margin

15.65%

Return on Equity

5.5%

Return on Assets

0.46%

Free Cashflow Yield

13.65%

PBHC Fundamentals

PBHC Revenue

Revenue (TTM)

71.2M

Rev. Growth (Yr)

23.71%

Rev. Growth (Qtr)

1.54%

PBHC Earnings

Earnings (TTM)

6.7M

Earnings Growth (Yr)

-97.96%

Earnings Growth (Qtr)

-97.91%

Breaking Down PBHC Revenue

Last 7 days

-0.4%

Last 30 days

-2.5%

Last 90 days

4.3%

Trailing 12 Months

-3.2%

How does PBHC drawdown profile look like?

PBHC Financial Health

Debt/Equity

0.37

Debt/Cashflow

0.22

PBHC Investor Care

Dividend Yield

3.03%

Dividend/Share (TTM)

0.37

Shares Dilution (1Y)

1.45%

Diluted EPS (TTM)

1.51

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	71.2M	0	0	0
2023	55.2M	60.1M	64.4M	67.7M
2022	45.9M	45.5M	47.3M	51.1M
2021	42.4M	44.0M	45.1M	45.8M
2020	43.1M	43.5M	43.3M	42.5M
2019	36.3M	37.9M	39.8M	41.8M
2018	30.8M	32.2M	33.5M	34.8M
2017	25.3M	26.5M	27.8M	29.4M
2016	22.1M	22.6M	23.4M	24.1M
2015	20.1M	20.6M	21.0M	21.4M
2014	19.1M	19.3M	19.5M	19.7M
2013	0	0	10.8M	18.9M
2012	0	0	0	2.6M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Pathfinder Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 13, 2024	dowd james a.	bought	5,333	12.55	425	president and ceo
Mar 12, 2024	dowd james a.	bought	2,404	12.02	200	president and ceo
Mar 11, 2024	rusnak walter	bought	17,836	11.891	1,500	senior vice president, cfo
Mar 11, 2024	crawford-hamlin meghan	bought	11,502	11.502	1,000	-
Mar 07, 2024	butkowski robert g. jr.	bought	41,825	11.95	3,500	senior vice president
Mar 07, 2024	rusnak walter	bought	17,781	11.854	1,500	senior vice president, cfo
Dec 14, 2023	rusnak walter	bought	13,000	13.00	1,000	senior vice president, cfo
Dec 06, 2023	joyce george p	bought	1,300	13.00	100	-
Dec 05, 2023	joyce george p	bought	1,292	12.92	100	-
Sep 14, 2023	phillips daniel r	acquired	54,050	10.81	5,000	senior vice president

Which funds bought or sold PBHC recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	MORGAN STANLEY	reduced	-6.08	-1,253	6,116	-%
May 15, 2024	Rockbridge Investment Management, LCC	sold off	-100	-28,912	-	-%
May 15, 2024	MONOGRAPH WEALTH ADVISORS, LLC	added	0.09	-37,324	372,266	0.06%
May 15, 2024	Tower Research Capital LLC (TRC)	added	20.56	908	14,806	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	-12,954	128,010	-%
May 15, 2024	Royal Bank of Canada	reduced	-46.98	-2,000	1,000	-%
May 14, 2024	NORTHERN TRUST CORP	sold off	-100	-167,294	-	-%
May 14, 2024	Minerva Advisors LLC	added	2.18	-350,099	3,188,400	1.95%
May 14, 2024	M3F, Inc.	unchanged	-	-125,000	957,000	0.34%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	added	3.55	-284,156	3,061,050	-%

Are Funds Buying or Selling PBHC?

Are funds buying PBHC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PBHC

No. of Funds

Unveiling Pathfinder Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	5.1%	238,773	SC 13G
Feb 12, 2024	pathfinder bancorp, inc.	6.2%	380,109	SC 13G/A
Feb 09, 2024	minerva advisors llc	5.5%	-	SC 13G/A
Jun 30, 2023	castle creek capital partners vii, lp	9.9%	468,492	SC 13D/A
Feb 14, 2023	minerva advisors llc	5.5%	-	SC 13G/A
Feb 13, 2023	pathfinder bancorp, inc.	6.41%	386,935	SC 13G/A
Feb 14, 2022	minerva advisors llc	5.5%	-	SC 13G/A
Feb 11, 2022	pathfinder bancorp, inc.	6.78%	405,383	SC 13G/A
Feb 16, 2021	pathfinder bancorp, inc.	9.53%	431,919	SC 13G/A
Feb 09, 2021	minerva advisors llc	5.7%	-	SC 13G/A

Recent SEC filings of Pathfinder Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 15, 2024	10-Q	Quarterly Report
May 08, 2024	8-K	Current Report
Apr 29, 2024	8-K	Current Report
Apr 23, 2024	ARS	ARS
Apr 22, 2024	DEF 14A	DEF 14A
Apr 01, 2024	8-K	Current Report
Mar 22, 2024	10-K	Annual Report
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading

Pathfinder Bancorp Inc News

Latest updates

Pathfinder Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.5%	18,610	18,328	17,671	16,621	15,043	15,027	13,383	11,706	10,982	11,187	11,632	12,066	10,942	10,463	10,487	10,514	11,043	11,248	10,733	10,108	9,669
S&GA Expenses	-100.0%	-	259	159	158	159	264	141	142	141	153	193	177	202	131	126	125	125	123	104	100	100
EBITDA Margin	-7.2%	0.71*	0.77*	0.85*	0.94*	1.06*	1.14*	1.23*	1.27*	1.26*	1.22*	1.14*	1.08*	1.01*	0.98*	0.97*	0.93*	0.88*	0.84*	0.82*	-	-
Interest Expenses	2.6%	9,400	9,159	10,060	9,732	9,968	11,179	10,780	9,977	9,467	9,729	9,791	10,215	8,560	7,913	8,311	7,640	7,779	7,772	7,205	6,706	6,547
Income Taxes	-9.8%	532	590	573	530	669	383	772	780	721	1,094	1,005	851	549	1,390	372	439	455	415	324	175	251
Earnings Before Taxes	-14.6%	2,705	3,168	2,767	2,505	3,344	3,941	3,964	4,068	3,716	4,983	4,410	3,875	2,741	1,969	1,890	2,267	2,215	2,281	1,609	776	785
EBT Margin	-10.2%	0.16*	0.17*	0.20*	0.23*	0.28*	0.31*	0.35*	0.38*	0.37*	0.35*	0.29*	0.24*	0.21*	0.20*	0.20*	0.19*	0.16*	0.13*	0.11*	-	-
Net Income	-97.9%	53.00	2,536	2,176	1,982	2,599	3,530	3,180	3,272	2,950	3,879	3,365	3,009	2,154	1,945	1,474	1,841	1,690	1,860	1,295	607	514
Net Income Margin	-31.0%	0.09*	0.14*	0.16*	0.19*	0.23*	0.25*	0.28*	0.30*	0.29*	0.27*	0.23*	0.20*	0.17*	0.16*	0.16*	0.15*	0.13*	0.10*	0.09*	-	-
Free Cashflow	-96.6%	274	8,133	4,092	-4,636	5,877	9,113	4,772	2,484	3,466	4,305	6,922	4,652	3,063	1,582	3,833	1,909	37,976	890	2,924	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.8%	1,454	1,466	1,401	1,392	1,404	1,400	1,397	1,363	1,328	1,285	1,262	1,260	1,307	1,227	1,202	1,167	1,108	1,094	1,056	1,013	975
Cash Equivalents	-40.0%	29.00	49.00	24.00	37.00	32.00	35.00	44.00	38.00	37.00	37.00	75.00	41.00	52.00	43.00	39.00	45.00	58.00	20.00	40.00	50.00	25.00
Net PPE	-0.6%	18.00	18.00	18.00	18.00	18.00	18.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	22.00	23.00	22.00	22.00	23.00	22.00	22.00	22.00
Goodwill	0.8%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Liabilities	-1.1%	1,331	1,346	1,286	1,278	1,292	1,288	1,289	1,255	1,219	1,175	1,156	1,156	1,207	1,130	1,107	1,074	1,019	1,003	967	925	909
Short Term Borrowings	-27.1%	92.00	126	57.00	70.00	44.00	60.00	12.00	16.00	3.00	13.00	-	2.00	4.00	4.00	10.00	10.00	8.00	25.00	18.00	29.00	13.00
Long Term Debt	-8.1%	46.00	50.00	54.00	60.00	56.00	56.00	54.00	60.00	60.00	65.00	67.00	82.00	82.00	78.00	70.00	65.00	83.00	68.00	61.00	60.00	64.00
LT Debt, Non Current	-100.0%	-	50.00	54.00	60.00	56.00	56.00	54.00	60.00	60.00	65.00	67.00	82.00	82.00	78.00	70.00	65.00	83.00	68.00	61.00	60.00	64.00
Shareholder's Equity	2.6%	123	119	114	114	112	111	108	108	109	111	107	104	100	98.00	95.00	93.00	88.00	91.00	89.00	88.00	66.00
Retained Earnings	2.0%	78.00	76.00	74.00	73.00	71.00	2.00	69.00	66.00	63.00	61.00	57.00	55.00	52.00	50.00	49.00	48.00	46.00	45.00	43.00	42.00	42.00
Additional Paid-In Capital	0.1%	53.00	53.00	53.00	53.00	52.00	52.00	52.00	51.00	51.00	51.00	51.00	50.00	50.00	50.00	50.00	50.00	50.00	49.00	49.00	49.00	29.00
Shares Outstanding	-100.0%	-	5.00	-	-	-	5.00	-	-	-	6.00	-	-	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	-
Minority Interest	7.0%	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Float	-	-	-	-	68.00	-	-	-	68.00	-	-	-	52.00	-	-	-	32.00	-	-	-	51.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-94.0%	504	8,429	5,100	-4,142	6,045	9,581	5,142	2,909	4,101	4,447	7,122	5,111	3,474	1,489	4,751	2,326	37,995	1,565	3,477	4,641	-1,563
Cashflow From Investing	81.9%	-7,404	-40,899	-25,070	21,748	-10,567	-13,802	-31,168	-38,353	-47,837	-61,542	29,340	34,252	-72,001	-20,382	-42,980	-69,102	-16,759	-56,999	-54,467	-14,083	-37,262
Cashflow From Financing	-122.2%	-12,609	56,728	7,629	-13,113	1,562	-4,951	32,193	36,547	43,771	19,003	-2,375	-50,378	77,232	23,376	32,087	54,320	16,183	35,821	40,421	34,968	37,325
Dividend Payments	-100.0%	-	426	423	422	419	416	415	415	322	222	416	318	271	285	285	284	283	283	282	263	263

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PBHC Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees	$ 12,268	$ 10,658
Debt securities:
Taxable	5,607	3,747
Tax-exempt	508	455
Dividends	129	78
Federal funds sold and interest earning deposits	98	105
Total interest and dividend income	18,610	15,043
Interest expense:
Interest on deposits	7,411	4,037
Interest on short-term borrowings	1,114	372
Interest on long-term borrowings	194	194
Interest on subordinated loans	491	472
Total interest expense	9,210	5,075
Net interest income	9,400	9,968
Provision for credit losses:
Loans	710	692
Held-to-maturity securities	15	0
Unfunded commitments	1	0
Total provision for credit losses	726	692
Net interest income after provision for loan losses	8,674	9,276
Noninterest income:
Earnings and gains on bank owned life insurance	157	158
Net realized (losses) gains on sales and redemptions of investment securities	(148)	73
Net realized gains on sales of marketable equity securities	108	0
Gains on sales of loans and foreclosed real estate	18	25
Insurance agency revenue	397	420
Total noninterest income	1,737	1,592
Noninterest expense:
Salaries and employee benefits	4,329	4,183
Building and occupancy	816	852
Data processing	528	553
Professional and other services	562	536
Advertising	105	206
FDIC assessments	229	219
Audits and exams	170	159
Insurance agency expense	285	261
Community service activities	52	30
Foreclosed real estate	25	14
Other expenses	605	511
Total noninterest expense	7,706	7,524
Income before provision for income taxes	2,705	3,344
Provision for income taxes	532	669
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	2,173	2,675
Net income attributable to noncontrolling interest	53	76
Net income attributable to Pathfinder Bancorp Inc.	$ 2,120	$ 2,599
Voting Common Stock dividends	$ 0.1	$ 0.09
Voting Common Stock [Member]
Noninterest expense:
Voting Earnings per common share- basic	0.34	0.43
Voting Earnings per common share - diluted	0.34	0.43
Voting Common Stock dividends	471	416
Series A Non voting [Member]
Noninterest expense:
Voting Earnings per common share- basic	0.34	0.43
Voting Earnings per common share - diluted	0.34	0.43
Voting and Series A Non-Voting [Member]
Noninterest expense:
Voting Common Stock dividends	$ 0.1	$ 0.09
Service Charges on Deposit Accounts [Member]
Noninterest income:
Noninterest income	$ 309	$ 267
Loan Servicing Fees [Member]
Noninterest income:
Noninterest income	88	72
Debit Card Interchange Fees [Member]
Noninterest income:
Noninterest income	119	321
Other Charges, Commissions & Fees [Member]
Noninterest income:
Noninterest income	$ 689	$ 256

About Pathfinder Bancorp Inc

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.

CEO	Mr. James A. Dowd CPA, CPA
WEBSITE	pathfinsderbancorpinc.com
INDUSTRY	Banks Diversified
EMPLOYEES	162

Pathfinder Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Pathfinder Bancorp Inc? What does PBHC stand for in stocks?

PBHC is the stock ticker symbol of Pathfinder Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Pathfinder Bancorp Inc (PBHC)?

As of Thu May 16 2024, market cap of Pathfinder Bancorp Inc is 57.62 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PBHC stock?

You can check PBHC's fair value in chart for subscribers.

What is the fair value of PBHC stock?

You can check PBHC's fair value in chart for subscribers. The fair value of Pathfinder Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Pathfinder Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PBHC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Pathfinder Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether PBHC is over valued or under valued. Whether Pathfinder Bancorp Inc is cheap or expensive depends on the assumptions which impact Pathfinder Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PBHC.

What is Pathfinder Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, PBHC's PE ratio (Price to Earnings) is 8.54 and Price to Sales (PS) ratio is 0.81. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PBHC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Pathfinder Bancorp Inc's stock?

In the past 10 years, Pathfinder Bancorp Inc has provided -0.007 (multiply by 100 for percentage) rate of return.