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Pathfinder Bancorp Inc (PBHC)
Price$13.57
Value ScoreB
Growth ScoreC
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (26W)-26.80%
Price vs S&P 500 (4W)-2.73%
VGM Score42.54
Market Capitalization$66.80M
P/E Ratio (Annual)25.15x
Indicated Dividend Yield (Annual)2.92%
All Metrics
P/CF (Annual)5.72x
Book Value / Share (Quarterly)$19.75
P/TBV (Annual)0.74x
Indicated Dividend (Annual)$0.40
Revenue Growth (3Y)6.96%
Cash Flow / Share (Quarterly)$1.68
Payout Ratio (TTM)33.19%
Price vs S&P 500 (YTD)-12.44%
Net Profit Margin (TTM)22.29%
EPS (TTM)$-0.41
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$-0.41
Revenue Growth (5Y)11.68%
EPS (Annual)$-0.31
Dividend / Share (Annual)$0.41
ROI (Annual)-1.14%
Net Profit Margin (5Y Avg)21.21%
Cash / Share (Quarterly)$2.10
P/E Basic Excl Extra (TTM)11.29x
Revenue Growth QoQ (YoY)32.04%
EPS Growth (5Y)-10.37%
P/E Normalized (Annual)25.15x
ROA (Last FY)-0.14%
Revenue Growth TTM (YoY)36.19%
EBITD / Share (TTM)$3.83
ROE (5Y Avg)6.38%
Cash Flow / Share (Annual)$1.68
P/B Ratio0.54x
P/B Ratio (Quarterly)0.50x
Net Income / Employee (Annual)$-10,800
ROA (TTM)-0.17%
EPS Growth QoQ (YoY)-20.01%
EV / EBITDA (TTM)11.39x
EPS Incl Extra (Annual)$-0.31
3-Month Avg Trading Volume0.00M
52-Week Price Return-30.29%
EV / Free Cash Flow (Annual)10.87x
P/E Incl Extra (TTM)11.29x
Tangible BV / Share (Quarterly)$18.92
P/S Ratio (Annual)1.30x
52-Week High$15.96
EPS Excl Extra (Annual)$-0.31
CapEx CAGR (5Y)0.00%
Tangible BV CAGR (5Y)3.77%
26-Week Price Return-10.87%
13-Week Price Return-3.79%
Total Debt / Equity (Annual)0.38x
Enterprise Value$113.25M
Revenue / Share Growth (5Y)4.10%
Book Value / Share Growth (5Y)-1.77%
Revenue / Employee (Annual)$298,530,000,000
Pretax Margin (Annual)33.16%
Cash / Share (Annual)$2.31
3-Month Return Std Dev44.98%
Net Income / Employee (TTM)$-13,900
EBITDA CAGR (5Y)23.64%
EBITDA Interim CAGR (5Y)24.88%
ROE (Last FY)-1.58%
EPS Basic Excl Extra (Annual)$-0.31
P/FCF (TTM)4.65x
EV / Free Cash Flow (TTM)10.87x
Total Debt / Equity (Quarterly)0.38x
EPS Incl Extra (TTM)$-0.41
ROI (TTM)-1.46%
Dividend Growth Rate (5Y)5.43%
P/S Ratio (TTM)1.31x
Pretax Margin (5Y Avg)25.97%
Revenue / Share (Annual)$7.97
Tangible BV / Share (Annual)$18.93
Free OCF CAGR (5Y)-25.47%
Price vs S&P 500 (52W)-38.43%
P/E Ratio (TTM)11.29x
EPS Growth TTM (YoY)269.70%
Year-to-Date Return-2.91%
5-Day Price Return-1.44%
EPS Normalized (Annual)$-0.31
ROA (5Y Avg)0.52%
Net Profit Margin (Annual)27.54%
Month-to-Date Return-1.44%
Cash Flow / Share (TTM)$1.90
EBITD / Share (Annual)$-0.44
EPS Growth (3Y)-38.42%
LT Debt / Equity (Annual)0.25x
P/CF (TTM)5.72x
ROI (5Y Avg)4.94%
P/E Excl Extra (TTM)11.29x
LT Debt / Equity (Quarterly)0.24x
EPS Basic Excl Extra (TTM)$-0.41
P/TBV (Quarterly)0.53x
Payout Ratio (Annual)71.74%
P/B Ratio (Annual)0.71x
Dividend / Share (TTM)$0.41
Pretax Margin (TTM)26.91%
Book Value / Share (Annual)$19.80
Price vs S&P 500 (13W)-13.54%
Net Margin Growth (5Y)18.14%
Dividend Yield (TTM)3.76%
Beta0.15x
P/FCF (Annual)6.41x
Revenue / Share (TTM)$7.77
ROE (TTM)-2.01%
52-Week Low$12.06
vGradeB
gGradeC
mGradeF
vgmGradeC
Show chart for
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
PBHCPathfinder Bancorp Inc | B | C | F | $13.57 |
| BNSBank of Nova Scotia | C | C | B | $78.61 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.79 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $32.19 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | C | $25.71 |
| 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 | D | C | C | $26.26 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | C | $18.52 |
| FITBFifth Third Bancorp | D | C | C | $48.56 |
| STTState Street Corporation | C | C | A | $159.79 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | B | C | F | $3.47 |
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.