Pathfinder Bancorp, Inc.
$13.65
+0.59%Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, 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. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -25.3).
Valuation inputs: P/E -25.3, earnings yield N/A, momentum +0.6%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE -2.8%, ROIC -0.3%).
Profitability stack: net margin -4.3%, ROE -2.8%, ROIC -0.3%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +91.5%, momentum +0.6%, net margin -4.3%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Pathfinder Bancorp, Inc. Market vs Earnings Trajectory
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Pathfinder Bancorp, Inc. Fair Value Envelope
Pathfinder Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Pathfinder Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Pathfinder Bancorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Positive working capital, but relatively tight. The company should monitor cash flow carefully.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Pathfinder Bancorp, Inc. Street Expectations Map
No Target Data
No analyst price targets available for pbhc.
Pathfinder Bancorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $32K and sold $69K worth of PBHC shares, resulting in $36K of net selling activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
2.4K
32.34K
0
0.00
+32K
+$32K
6-9 Months
0
0.00
3.0K
34.05K
-34K
-$34K
9-12 Months
0
0.00
3.1K
34.56K
-35K
-$35K
Top Buyers
Gagas Adam C.
Director
$27K
Ayoub David A.
Director
$5K
Top Sellers
Gagas Adam C.
Director
$35K
Dowd James A.
Officer: President And Ceo
$34K
Insider Activity Analysis
Net Insider Sentiment
Negative insider sentiment with $36K net selling. Selling notably exceeds buying, warranting closer scrutiny of company fundamentals.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Insider Participation
2 insider buyers and 2 sellers. Equal participation suggests mixed or neutral insider views.
pbhc Dividend History
Learning Layer
Related Guides
Build conviction on PBHC by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.