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Pathfinder Bancorp Inc (PBHC)
Price$13.57
Favorite Metrics
Price vs S&P 500 (26W)-10.95%
Price vs S&P 500 (4W)-5.97%
Market Capitalization$84.90M
P/E Ratio (Annual)25.10x
Indicated Dividend Yield (Annual)2.92%
All Metrics
P/CF (Annual)7.57x
Book Value / Share (Quarterly)$20.46
P/TBV (Annual)0.72x
Indicated Dividend (Annual)$0.40
Revenue Growth (3Y)6.96%
Cash Flow / Share (Quarterly)$0.80
Payout Ratio (TTM)33.19%
Price vs S&P 500 (YTD)-3.55%
Net Profit Margin (TTM)22.29%
EPS (TTM)$1.23
10-Day Avg Trading Volume0.00M
EPS Excl Extra (TTM)$1.23
Revenue Growth (5Y)11.68%
EPS (Annual)$0.56
Dividend / Share (Annual)$0.40
ROI (Annual)2.01%
Net Profit Margin (5Y Avg)21.21%
Cash / Share (Quarterly)$2.10
P/E Basic Excl Extra (TTM)11.26x
Revenue Growth QoQ (YoY)32.04%
EPS Growth (5Y)-10.37%
P/E Normalized (Annual)25.10x
ROA (Last FY)0.23%
Revenue Growth TTM (YoY)36.19%
EBITD / Share (TTM)$1.90
ROE (5Y Avg)8.12%
Cash Flow / Share (Annual)$1.49
P/B Ratio0.67x
P/B Ratio (Quarterly)0.59x
Net Income / Employee (Annual)$0
ROA (TTM)0.51%
EV / EBITDA (TTM)11.24x
EPS Incl Extra (Annual)$0.56
3-Month Avg Trading Volume0.00M
52-Week Price Return-30.29%
EV / Free Cash Flow (Annual)14.39x
P/E Incl Extra (TTM)11.26x
Tangible BV / Share (Quarterly)$19.57
P/S Ratio (Annual)1.30x
52-Week High$16.50
EPS Excl Extra (Annual)$0.56
CapEx CAGR (5Y)-10.55%
Tangible BV CAGR (5Y)5.04%
26-Week Price Return-6.96%
13-Week Price Return-7.99%
Total Debt / Equity (Annual)0.39x
Enterprise Value$131.638
Revenue / Share Growth (5Y)4.10%
Book Value / Share Growth (5Y)0.61%
Revenue / Employee (Annual)$298,530
Pretax Margin (Annual)33.16%
Cash / Share (Annual)$2.31
3-Month Return Std Dev39.97%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-1.37%
EBITDA Interim CAGR (5Y)-14.10%
ROE (Last FY)2.78%
EPS Basic Excl Extra (Annual)$0.56
P/FCF (TTM)7.09x
EV / Free Cash Flow (TTM)26.73x
Total Debt / Equity (Quarterly)0.37x
EPS Incl Extra (TTM)$1.23
ROI (TTM)4.41%
Dividend Growth Rate (5Y)7.64%
P/S Ratio (TTM)1.31x
Pretax Margin (5Y Avg)25.97%
Revenue / Share (Annual)$7.97
Tangible BV / Share (Annual)$18.85
Free OCF CAGR (5Y)15.14%
Price vs S&P 500 (52W)-38.43%
P/E Ratio (TTM)11.26x
EPS Growth TTM (YoY)269.70%
Year-to-Date Return-2.91%
5-Day Price Return1.41%
EPS Normalized (Annual)$0.56
ROA (5Y Avg)0.66%
Net Profit Margin (Annual)27.54%
Month-to-Date Return7.37%
Cash Flow / Share (TTM)$1.90
EBITD / Share (Annual)$1.07
EPS Growth (3Y)-38.42%
LT Debt / Equity (Annual)0.25x
P/CF (TTM)13.36x
ROI (5Y Avg)6.18%
P/E Excl Extra (TTM)11.26x
LT Debt / Equity (Quarterly)0.24x
EPS Basic Excl Extra (TTM)$1.23
P/TBV (Quarterly)0.62x
Payout Ratio (Annual)71.74%
P/B Ratio (Annual)0.68x
Dividend / Share (TTM)$0.41
Pretax Margin (TTM)26.91%
Book Value / Share (Annual)$19.83
Price vs S&P 500 (13W)-8.68%
Net Margin Growth (5Y)18.14%
Dividend Yield (TTM)2.95%
Beta0.14x
P/FCF (Annual)9.28x
Revenue / Share (TTM)$7.77
ROE (TTM)6.07%
52-Week Low$12.06
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
PBHCPathfinder Bancorp Inc | 0.59x | 6.07% | 0.51% | — | $13.57 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
About
Pathfinder Bancorp Inc is a bank holding company operating Pathfinder Bank, which accepts deposits and deploys capital through residential and commercial real estate loans, small business lending, and consumer loans. The bank diversifies its earnings through investments in U.S. government securities, municipal bonds, corporate debt, and equity securities. Interest income from loans and investment securities is the primary revenue driver.