Roberta Davis - Pathfinder Bancorp Vice Analyst

PBHC Stock  USD 17.10  0.90  5.00%   

Executive

Roberta Davis is Vice Analyst of Pathfinder Bancorp
Address 214 West First Street, Oswego, NY, United States, 13126
Phone315 343 0057
Webhttps://www.pathfinderbank.com

Pathfinder Bancorp Management Efficiency

As of December 1, 2024, Return On Tangible Assets is expected to decline to 0. In addition to that, Return On Capital Employed is expected to decline to 0.01. At present, Pathfinder Bancorp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 989.3 M, whereas Other Assets are forecasted to decline to about 4.8 M. Pathfinder Bancorp's management efficiency ratios could be used to measure how well Pathfinder Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.
Pathfinder Bancorp currently holds 211.6 M in liabilities with Debt to Equity (D/E) ratio of 7.8, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Pathfinder Bancorp's use of debt, we should always consider it together with its cash and equity.

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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. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York. Pathfinder Bcp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 159 people. Pathfinder Bancorp (PBHC) is traded on NASDAQ Exchange in USA. It is located in 214 West First Street, Oswego, NY, United States, 13126 and employs 161 people. Pathfinder Bancorp is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Pathfinder Bancorp Leadership Team

Elected by the shareholders, the Pathfinder Bancorp's board of directors comprises two types of representatives: Pathfinder Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Pathfinder. The board's role is to monitor Pathfinder Bancorp's management team and ensure that shareholders' interests are well served. Pathfinder Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Pathfinder Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
CPA CPA, CEO President
Justin CPA, Senior CFO
Heather Bush, Vice Resources
Regina Bass, First President
Justin Bigham, Senior CFO
Roberta Davis, Vice Analyst
Daniel Phillips, Senior Officer
Robert Butkowski, Senior COO
Calvin Corriders, Regional Director
Ronald Tascarella, Executive Officer
William OBrien, Chief VP
Walter CPA, CFO VP
Joseph Serbun, Senior Officer

Pathfinder Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Pathfinder Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in rate.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0)
Dividend Share
0.39
Earnings Share
0.32
Revenue Per Share
5.834
Quarterly Revenue Growth
(0.57)
The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.