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PATHFINDER BANCORP INC (PBHC) Stock Fundamental Analysis

NASDAQ:PBHC - Nasdaq - US70319R1095 - Common Stock - Currency: USD

17.13  +0.03 (+0.18%)

Fundamental Rating

2

PBHC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 404 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

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3

1. Profitability

1.1 Basic Checks

In the past year PBHC was profitable.
In the past year PBHC had a positive cash flow from operations.
Each year in the past 5 years PBHC has been profitable.
In the past 5 years PBHC always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M

1.2 Ratios

The Return On Assets of PBHC (0.10%) is worse than 89.11% of its industry peers.
PBHC has a worse Return On Equity (1.27%) than 88.86% of its industry peers.
Industry RankSector Rank
ROA 0.1%
ROE 1.27%
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
PBHC Yearly ROA, ROE, ROICPBHC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

The Profit Margin of PBHC (3.33%) is worse than 89.37% of its industry peers.
PBHC's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 3.33%
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
PBHC Yearly Profit, Operating, Gross MarginsPBHC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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2

2. Health

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.
PBHC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PBHC has an improved debt to assets ratio.
PBHC Yearly Shares OutstandingPBHC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
PBHC Yearly Total Debt VS Total AssetsPBHC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

2.2 Solvency

PBHC has a debt to FCF ratio of 2.30. This is a good value and a sign of high solvency as PBHC would need 2.30 years to pay back of all of its debts.
PBHC has a Debt to FCF ratio (2.30) which is in line with its industry peers.
A Debt/Equity ratio of 0.39 indicates that PBHC is not too dependend on debt financing.
The Debt to Equity ratio of PBHC (0.39) is worse than 72.41% of its industry peers.
Even though the debt/equity ratio score it not favorable for PBHC, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.3
Altman-Z N/A
ROIC/WACCN/A
WACC12.62%
PBHC Yearly LT Debt VS Equity VS FCFPBHC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M

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2

3. Growth

3.1 Past

The earnings per share for PBHC have decreased strongly by -81.76% in the last year.
PBHC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.37% yearly.
The Revenue has decreased by -1.96% in the past year.
PBHC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.30% yearly.
EPS 1Y (TTM)-81.76%
EPS 3Y-0.17%
EPS 5Y4.37%
EPS Q2Q%-314.29%
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y4.98%
Revenue growth 5Y8.3%
Sales Q2Q%19.36%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
PBHC Yearly EPS VS EstimatesPBHC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 68.52, PBHC can be considered very expensive at the moment.
PBHC's Price/Earnings ratio is rather expensive when compared to the industry. PBHC is more expensive than 88.35% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.98, PBHC is valued quite expensively.
Industry RankSector Rank
PE 68.52
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

Based on the Price/Free Cash Flow ratio, PBHC is valued cheaper than 94.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.98
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)15.7
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

PBHC has a Yearly Dividend Yield of 2.35%. Purely for dividend investing, there may be better candidates out there.
PBHC's Dividend Yield is slightly below the industry average, which is at 3.25.
Compared to an average S&P500 Dividend Yield of 2.30, PBHC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

The dividend of PBHC is nicely growing with an annual growth rate of 9.27%!
PBHC has paid a dividend for at least 10 years, which is a reliable track record.
PBHC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.27%
Div Incr Years4
Div Non Decr Years14
PBHC Yearly Dividends per sharePBHC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

PBHC pays out 155.58% of its income as dividend. This is not a sustainable payout ratio.
PBHC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP155.58%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
PBHC Dividend Payout.PBHC Dividend Payout, showing the Payout Ratio.PBHC Dividend Payout.PayoutRetained Earnings

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PATHFINDER BANCORP INC

NASDAQ:PBHC (3/3/2025, 4:14:50 PM)

17.13

+0.03 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30
Earnings (Next)04-28 2025-04-28
Inst Owners21.44%
Inst Owner Change-0.13%
Ins Owners18.2%
Ins Owner Change23.42%
Market Cap81.20M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 2.35%
Yearly Dividend0.37
Dividend Growth(5Y)9.27%
DP155.58%
Div Incr Years4
Div Non Decr Years14
Ex-Date01-17 2025-01-17 (0.1)
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 68.52
Fwd PE N/A
P/S 1.78
P/FCF 3.98
P/OCF 3.64
P/B 0.68
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)0.25
EY1.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.3
FCFY25.1%
OCF(TTM)4.7
OCFY27.46%
SpS9.65
BVpS25.37
TBVpS22.84
PEG (NY)N/A
PEG (5Y)15.7
Profitability
Industry RankSector Rank
ROA 0.1%
ROE 1.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 3.33%
GM N/A
FCFM 44.55%
ROA(3y)0.64%
ROA(5y)0.54%
ROE(3y)7.84%
ROE(5y)6.6%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 2.3
Debt/EBITDA N/A
Cap/Depr 126.37%
Cap/Sales 4.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1338.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC12.62%
ROIC/WACCN/A
Cap/Depr(3y)227.99%
Cap/Depr(5y)198.2%
Cap/Sales(3y)6.06%
Cap/Sales(5y)6.47%
Profit Quality(3y)185.76%
Profit Quality(5y)304.18%
High Growth Momentum
Growth
EPS 1Y (TTM)-81.76%
EPS 3Y-0.17%
EPS 5Y4.37%
EPS Q2Q%-314.29%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y4.98%
Revenue growth 5Y8.3%
Sales Q2Q%19.36%
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 1Y35.68%
FCF growth 3Y-33.26%
FCF growth 5Y32.56%
OCF growth 1Y34.39%
OCF growth 3Y-30.8%
OCF growth 5Y11.44%