Pathfinder Bancorp Inc (PBHC) Stock Price

PBHCStock

$16.70−30.29%52W

Market Cap$104.85M

P/E25.15x

PEG Ratio—

Div yield2.77%

Beta0.10

PBHC Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)10.22%

Price vs S&P 500 (4W)-5.60%

VGM Score47.84

P/E Ratio (Annual)25.15x

Indicated Dividend Yield (Annual)2.77%

P/CF (Annual)8.93x

Book Value / Share (Quarterly)$20.03

P/TBV (Annual)0.74x

Indicated Dividend (Annual)$0.40

Revenue Growth (3Y)6.96%

Cash Flow / Share (Quarterly)$1.75

Payout Ratio (TTM)33.26%

Price vs S&P 500 (YTD)5.39%

Net Profit Margin (TTM)22.29%

EPS (TTM)$0.01

10-Day Avg Trading Volume0.00M

EPS Excl Extra (TTM)$0.01

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)728.85x

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 Ratio0.83x

P/B Ratio (Quarterly)0.62x

Net Income / Employee (Annual)$-10,800

ROA (TTM)0.01%

EPS Growth QoQ (YoY)8322.00%

EV / EBITDA (TTM)11.39x

EPS Incl Extra (Annual)$-0.31

3-Month Avg Trading Volume0.01M

52-Week Price Return-30.29%

EV / Free Cash Flow (Annual)14.46x

P/E Incl Extra (TTM)728.85x

Tangible BV / Share (Quarterly)$19.22

P/S Ratio (Annual)1.30x

52-Week High$18.30

EPS Excl Extra (Annual)$-0.31

CapEx CAGR (5Y)0.00%

Tangible BV CAGR (5Y)3.77%

26-Week Price Return23.48%

13-Week Price Return4.97%

Total Debt / Equity (Annual)0.38x

Enterprise Value$150.58M

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 Dev31.55%

Net Income / Employee (TTM)$800

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)9.06x

EV / Free Cash Flow (TTM)13.68x

Total Debt / Equity (Quarterly)0.37x

EPS Incl Extra (TTM)$0.01

ROI (TTM)0.08%

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)728.85x

EPS Growth TTM (YoY)-98.18%

Year-to-Date Return18.36%

5-Day Price Return-4.57%

EPS Normalized (Annual)$-0.31

ROA (5Y Avg)0.52%

Net Profit Margin (Annual)27.54%

Month-to-Date Return-1.07%

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)8.82x

ROI (5Y Avg)4.94%

P/E Excl Extra (TTM)728.85x

LT Debt / Equity (Quarterly)0.24x

EPS Basic Excl Extra (TTM)$0.01

P/TBV (Quarterly)0.64x

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)3.01%

Net Margin Growth (5Y)18.14%

Dividend Yield (TTM)2.42%

Beta0.10x

P/FCF (Annual)10.01x

Revenue / Share (TTM)$7.77

ROE (TTM)0.11%

52-Week Low$12.06

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PBHC Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q1 2014	Apr 23, 2014	—	$0.12	—

Industry Peers — State Banks(190)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
PBHCPathfinder Bancorp Inc	C	C	C	0.6x	0.1%	0.0%	—	$16.70
BNSBank of Nova Scotia	D	C	A	1.7x	11.4%	0.7%	—	$91.60
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	C	2.2x	22.1%	1.5%	—	$9.44
BNYBank of New York Mellon Corporation	F	C	C	2.3x	14.8%	1.3%	—	$143.30
DBDeutsche Bank Aktiengesellschaft	A	C	D	0.7x	9.3%	0.5%	—	$32.57
XLFState Street Financial Select Sector SPDR ETF	—	—	C	—	—	—	—	$55.52
FITBFifth Third Bancorp	D	C	D	1.2x	8.9%	0.9%	—	$50.37
STTState Street Corporation	C	B	C	1.7x	13.1%	0.9%	—	$165.72
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	C	1.0x	14.3%	1.1%	—	$3.96
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	B	C	C	1.0x	14.3%	1.1%	—	$3.55
MTBM&T Bank Corp.	B	B	D	1.2x	10.7%	1.4%	—	$215.28
NTRSNorthern Trust Corp	D	C	C	2.4x	17.1%	1.3%	—	$165.54
CFGCitizens Financial Group, Inc.	C	C	D	1.1x	8.1%	0.9%	—	$63.36
FCNCAFirst Citizens BancShares Inc	C	B	B	1.1x	10.7%	1.0%	—	$2123.74
EWBCEast-West Bancorp Inc	C	B	C	1.9x	16.2%	1.8%	—	$126.88
ALLYAlly Financial Inc.	A	C	F	0.9x	9.4%	0.7%	—	$37.68
BPOPPopular Inc	C	C	B	1.6x	15.4%	1.3%	—	$158.89
SSBSouthState Bank Corporation	C	B	C	1.1x	10.5%	1.4%	—	$102.06
WTFCWintrust Financial Corp	B	B	D	1.4x	12.3%	1.3%	—	$144.08
PBProsperity Bancshares Inc	D	D	D	0.9x	7.1%	1.4%	—	$67.79
WALWestern Alliance Bancorporation	B	B	D	1.1x	12.9%	1.0%	—	$74.51
COLBColumbia Banking Systems Inc	B	C	D	1.2x	9.2%	1.1%	—	$28.44
CBCCentral Bancompany, Inc. Class A Common Stock	F	B	A	1.9x	11.7%	2.1%	—	$33.42
CBSHCommerce Bancshares Inc	C	D	C	1.9x	14.4%	1.7%	—	$55.69
UBSIUnited Bankshares Inc	C	C	B	1.1x	9.4%	1.5%	—	$46.69
HWCHancock Whitney Corporation Common Stock	C	C	C	1.4x	9.6%	1.2%	—	$73.03
HOMBHome BancShares, Inc.	C	D	C	1.2x	10.9%	2.0%	—	$29.20
GBCIGlacier Bancorp Inc	D	C	D	1.6x	7.6%	1.0%	—	$43.83
ASBAssociated Banc-Corp	B	C	C	0.9x	9.9%	1.1%	—	$28.96
AUBAtlantic Union Bankshares Corporation	C	B	D	1.2x	9.7%	1.3%	—	$38.11
ABCBAmeris Bancorp	C	C	D	1.5x	9.3%	1.4%	—	$79.72
FFINFirst Financial Bankshares Inc	D	D	F	2.5x	14.3%	1.8%	—	$30.47
SFBSServisFirst Bancshares Inc.	D	B	D	2.4x	17.1%	1.8%	—	$39.36
IBOCInternational Bancshares Corp	C	C	D	1.4x	12.7%	2.5%	—	$67.34
FBPFirst BanCorp.	C	C	B	2.0x	19.0%	1.9%	—	$27.37
UCBUnited Community Banks, Inc.	C	B	C	1.1x	10.3%	1.3%	—	$34.09
CATYCathay General Bancorp	C	C	C	1.4x	11.7%	1.4%	—	$59.96
TCBITexas Capital Bancshares, Inc. Common Stock, par value $0.01 per share	C	C	D	1.2x	10.0%	1.1%	—	$91.15
CVBFCVB Financial Corp	C	D	C	1.3x	8.2%	1.2%	—	$21.87
INDBIndependent Bank Corp/MA	C	C	C	1.2x	7.7%	1.1%	—	$79.88
RNSTRenasant Corporation	C	B	C	1.0x	8.1%	1.2%	—	$39.91
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	1.1x	9.6%	1.2%	—	$34.82
MCHBMechanics Bancorp Class A Common Stock	D	C	D	1.2x	9.9%	1.2%	—	$14.35
SBCFSeacoast Banking Corp of Florida	D	B	C	1.1x	5.6%	0.8%	—	$32.54
FHBFirst Hawaiian, Inc. Common Stock	B	D	D	1.3x	10.3%	1.2%	—	$24.95
BOHBank of Hawaii Corp.	C	C	D	1.7x	12.8%	1.0%	—	$67.23
FBKFB Financial Corporation	D	B	F	1.3x	12.0%	1.4%	—	$51.54
CUBICUSTOMERS BANCORP INC	B	B	C	1.2x	13.6%	1.1%	—	$74.78
FBNCFirst Bancorp/NC	D	B	C	1.5x	8.0%	1.0%	—	$60.36
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	1.0x	9.5%	1.3%	—	$29.43
SYBTStock Yards Bancorp, Inc.	D	C	C	1.8x	13.4%	1.6%	—	$76.69

About Pathfinder Bancorp Inc

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.