Financial Services -
Banks - Regional - NASDAQ - US
$ 14.61
-1.42 %
$ 89.7 M
Market Cap
24.35
P/E
1. INTRINSIC VALUE
Balance Sheet
Pathfinder Bancorp, Inc.
| Current Assets | 308 M |
| Cash & Short-Term Investments | 301 M |
| Receivables | 6.88 M |
| Other Current Assets | 0 |
| Non-Current Assets | 1.17 B |
| Long-Term Investments | 1.06 B |
| PP&E | 37.1 M |
| Other Non-Current Assets | 65.5 M |
| Current Liabilities | 1.27 B |
| Accounts Payable | 546 K |
| Short-Term Debt | 61 M |
| Other Current Liabilities | 1.2 B |
| Non-Current Liabilities | 87.3 M |
| Long-Term Debt | 75.5 M |
| Other Non-Current Liabilities | 11.8 M |
EFFICIENCY
Earnings Waterfall
Pathfinder Bancorp, Inc.
| Revenue | 83.5 M |
| Cost Of Revenue | 48.3 M |
| Gross Profit | 35.1 M |
| Operating Expenses | 30 M |
| Operating Income | 5.16 M |
| Other Expenses | 1.78 M |
| Net Income | 3.38 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Pathfinder Bancorp, Inc.
| Net Income | 3.38 M |
| Depreciation & Amortization | 1.34 M |
| Capital Expenditures | -8.33 M |
| Stock-Based Compensation | 247 K |
| Change in Working Capital | -2.19 M |
| Others | 6.25 M |
| Free Cash Flow | 2.88 M |
Wall Street Analysts Price Targets
Pathfinder Bancorp, Inc.
PBHC has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
0.78%
DIVIDEND YIELD
0.1 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Pathfinder Bancorp, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
151 K USD 2
6-9 MONTHS
155 K USD 1
9-12 MONTHS
94.5 K USD 1
Bought
14.9 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025
Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans
globenewswire.com
- 2 months ago
Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024
Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from new and established Pathfinder Bank teams across Central New York
globenewswire.com
- 5 months ago
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., Dec. 23, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2024. The fourth quarter 2024 dividend will be payable to all shareholders of record on January 17, 2025 and will be paid on February 7, 2025.
globenewswire.com
- 6 months ago
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., Sept. 30, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2024. The third quarter 2024 dividend will be payable to all shareholders of record on October 18, 2024 and will be paid on November 8, 2024.
globenewswire.com
- 9 months ago
Pathfinder Bancorp, Inc. Announces Retirement of EVP, Chief Banking Officer Ronald Tascarella, Serbun Named SVP, Chief Credit Officer
OSWEGO, N.Y., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30, 2024. Joseph Serbun has been appointed as Senior Vice President, Chief Credit Officer effective immediately.
globenewswire.com
- 9 months ago
Pathfinder Bank Acquisition of Berkshire Bank Branch Complete
OSWEGO, N.Y., July 22, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Pathfinder”), announced today that Pathfinder has completed the previously announced purchase and assumption of the East Syracuse, New York branch of Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. In connection with the purchase, Pathfinder assumed approximately $186 million in deposit liabilities and acquired approximately $30 million in loans.
globenewswire.com
- 11 months ago
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., July 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2024. The second quarter 2024 dividend will be payable to all shareholders of record on July 19, 2024 and will be paid on August 9, 2024.
globenewswire.com
- 1 year ago
Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch
OSWEGO, N.Y., June 13, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder” or “Company”) (NASDAQ: PBHC), announced that its banking subsidiary, Pathfinder Bank (“Bank”), has received the required regulatory agency approvals from both the New York State Department of Financial Services and the Federal Deposit Insurance Corporation to complete its pending acquisition of the East Syracuse, New York branch of Berkshire Bank, Pittsfield, MA located on 6611 Manlius Center Road.
globenewswire.com
- 1 year ago
Pathfinder Bancorp, Inc. Announces the Retirement of Chief Financial Officer and Names Successor
OSWEGO, N.Y., May 08, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that Walter F. Rusnak, CPA, 70, Senior Vice President and Chief Financial Officer, will retire from the role after a career spanning more than forty years in finance effective June 28, 2024. Justin K. Bigham, CPA, 50, has been named to succeed Rusnak as Senior Vice President, Chief Financial Officer. Rusnak will remain with the company in an advisory capacity to ensure a smooth transition and to continue to oversee the Bank's investment securities portfolio and overall balance sheet management.
globenewswire.com
- 1 year ago
Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million
Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges
globenewswire.com
- 1 year ago
Stonegate Capital Partners Updates Coverage on Pathfinder Bancorp, Inc. (PBHC) Q4 2023
Dallas, Texas--(Newsfile Corp. - April 16, 2024) - Pathfinder Bancorp, Inc. (NASDAQ: PBHC): Stonegate Capital Partners updates coverage on Pathfinder Bancorp, Inc. (NASDAQ: PBHC). To view the full announcement, including downloadable images, bios, and more, click here.
newsfilecorp.com
- 1 year ago
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., April 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common stock and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2024.
globenewswire.com
- 1 year ago
8. Profile
Summary
Pathfinder Bancorp, Inc. PBHC
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 89.7 M
Dividend Yield
0.78%
Description
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.
Contact
214 West First Street, Oswego, NY, 13126
https://www.pathfinderbank.com
IPO
Date
Nov. 16, 1995
Employees
172
Officers
Joseph P. McManus
Chief Information Officer
Mr. William D. O'Brien
Senior Vice President, Chief Risk Officer & Corporate Secretary
Mr. Ronald G. Tascarella
Senior Vice President & Chief Lending Officer
Mr. Ronald A. Tascarella
SVice President & Chief Lending Officer
Mr. Justin K. Bigham CPA
Senior Vice President & Chief Financial Officer
Ms. Roberta Davis
Vice President & Financial Analyst
Mr. James A. Dowd CPA, CPA
President, Chief Executive Officer & Director
Mr. Joseph F. Serbun
Senior Vice President & Chief Credit Officer
Mr. Robert G. Butkowski Jr.
Senior Vice President & Chief Operating Officer
Mr. Heather Bush
Vice President of Human Resources