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Financial Services - Banks - Regional - NASDAQ - US
$ 15.16
-2.19 %
$ 93.1 M
Market Cap
28.07
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one PBHC stock under the worst case scenario is HIDDEN Compared to the current market price of 15.2 USD, Pathfinder Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one PBHC stock under the base case scenario is HIDDEN Compared to the current market price of 15.2 USD, Pathfinder Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one PBHC stock under the best case scenario is HIDDEN Compared to the current market price of 15.2 USD, Pathfinder Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PBHC

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$18.0$18.0$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
47.9 M REVENUE
16.31%
0 OPERATING INCOME
0.00%
3.38 M NET INCOME
-63.60%
11.2 M OPERATING CASH FLOW
-27.37%
-22.4 M INVESTING CASH FLOW
59.12%
-5.97 M FINANCING CASH FLOW
-11.31%
11.6 M REVENUE
160.29%
0 OPERATING INCOME
100.00%
3.91 M NET INCOME
184.13%
-2.66 M OPERATING CASH FLOW
-22.42%
3.8 M INVESTING CASH FLOW
113.04%
-4.89 M FINANCING CASH FLOW
-23.33%
Balance Sheet Pathfinder Bancorp, Inc.
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Current Assets 1.19 B
Cash & Short-Term Investments 283 M
Receivables 909 M
Other Current Assets 0
Non-Current Assets 49.7 M
Long-Term Investments 0
PP&E 37.1 M
Other Non-Current Assets 12.6 M
22.82 %73.18 %2.99 %Total Assets$1.2b
Current Liabilities 61.5 M
Accounts Payable 546 K
Short-Term Debt 61 M
Other Current Liabilities 0
Non-Current Liabilities 1.29 B
Long-Term Debt 0
Other Non-Current Liabilities 1.29 B
4.51 %95.45 %Total Liabilities$1.4b
EFFICIENCY
Earnings Waterfall Pathfinder Bancorp, Inc.
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Revenue 47.9 M
Cost Of Revenue 0
Gross Profit 47.9 M
Operating Expenses 0
Operating Income 0
Other Expenses -3.38 M
Net Income 3.38 M
50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0048m048m003m3mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
0.00% NET MARGIN
0.00%
0.00% ROE
0.00%
0.00% ROA
0.00%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Pathfinder Bancorp, Inc.
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50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 3.38 M
Depreciation & Amortization 1.12 M
Capital Expenditures -8.33 M
Stock-Based Compensation 247 K
Change in Working Capital -2.19 M
Others 6.47 M
Free Cash Flow 2.88 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Pathfinder Bancorp, Inc.
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PBHC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.56% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.40000.40000.35000.35000.30000.30000.25000.25000.20000.20000.15000.15000.10000.10000.05000.05000.00000.00000.030.050.050.05750.060.060.060.070.090.090.10.030.050.050.060.060.060.070.090.090.10.10.030.050.05250.060.060.060.070.090.090.10.050.140.050.200.0550.210.060.240.060.240.060.240.070.270.090.340.090.360.10.390.202015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Pathfinder Bancorp, Inc.
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Sold
0-3 MONTHS
151 K USD 2
3-6 MONTHS
155 K USD 1
6-9 MONTHS
94.5 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
3.22 K USD 1
9-12 MONTHS
7. News
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 - 3 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 - 4 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 - 7 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 - 7 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 - 9 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 - 10 months 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 - 10 months 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 - 11 months 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
Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch OSWEGO, N.Y., March 04, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) has announced the signing of a branch purchase and assumption agreement pursuant to which Pathfinder Bank will acquire the East Syracuse, New York branch of Berkshire Bank, located on 6611 Manlius Center Road. globenewswire.com - 1 year ago
8. Profile Summary

Pathfinder Bancorp, Inc. PBHC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 93.1 M
Dividend Yield 0.56%
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 Mr. Ronald A. Tascarella SVice President & Chief Lending Officer Joseph P. McManus Chief Information Officer Mr. Heather Bush Vice President of Human Resources Mr. Joseph F. Serbun Senior Vice President & Chief Credit Officer Ms. Roberta Davis Vice President & Financial Analyst Mr. Ronald G. Tascarella Senior Vice President & Chief Lending Officer Mr. Justin K. Bigham CPA Senior Vice President & Chief Financial Officer Mr. James A. Dowd CPA, CPA President, Chief Executive Officer & Director Mr. William D. O'Brien Senior Vice President, Chief Risk Officer & Corporate Secretary Mr. Robert G. Butkowski Jr. Senior Vice President & Chief Operating Officer