Pathfinder Bancorp Stock Analysis

PBHC Stock  USD 17.00  0.35  2.10%   
Pathfinder Bancorp is fairly valued with Real Value of 16.7 and Hype Value of 17.0. The main objective of Pathfinder Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what Pathfinder Bancorp is worth, separate from its market price. There are two main types of Pathfinder Bancorp's stock analysis: fundamental analysis and technical analysis.
The Pathfinder Bancorp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Pathfinder Bancorp's ongoing operational relationships across important fundamental and technical indicators.
  
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.
For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

Pathfinder Stock Analysis Notes

About 27.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 0.84. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pathfinder Bancorp last dividend was issued on the 18th of October 2024. The entity had 1647:1000 split on the 17th of October 2014. 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. To find out more about Pathfinder Bancorp contact CPA CPA at (315) 343-0057 or learn more at https://www.pathfinderbank.com.

Pathfinder Bancorp Quarterly Total Revenue

4.47 Million

Pathfinder Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Pathfinder Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Pathfinder Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Pathfinder Bancorp generated a negative expected return over the last 90 days
About 27.0% of the company outstanding shares are owned by corporate insiders
On 7th of February 2025 Pathfinder Bancorp paid $ 0.1 per share dividend to its current shareholders
Latest headline from news.google.com: Short Interest in Pathfinder Bancorp, Inc. Expands By 23.4 percent - MarketBeat

Pathfinder Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Pathfinder Bancorp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
30th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

Pathfinder Bancorp Environmental, Social, and Governance (ESG) Scores

Pathfinder Bancorp's ESG score is a quantitative measure that evaluates Pathfinder Bancorp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Pathfinder Bancorp's operations that may have significant financial implications and affect Pathfinder Bancorp's stock price as well as guide investors towards more socially responsible investments.

Pathfinder Stock Institutional Investors

Shares
Susquehanna International Group, Llp2024-12-31
14.7 K
Northern Trust Corp2024-12-31
13.1 K
Advisor Group Holdings, Inc.2024-12-31
11.1 K
Bridgeway Capital Management, Llc2024-12-31
10.2 K
Blackrock Inc2024-12-31
7.7 K
Royal Bank Of Canada2024-12-31
5.9 K
Morgan Stanley - Brokerage Accounts2024-12-31
494
Ubs Group Ag2024-12-31
289
Cwm, Llc Duplicate2024-12-31
173
Alliancebernstein L.p.2024-12-31
288.5 K
Minerva Advisors Llc2024-12-31
262.2 K
Note, although Pathfinder Bancorp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Pathfinder Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 109.8 M.

Pathfinder Profitablity

The company has Profit Margin (PM) of 0.06 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of (1.24) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $1.24.
Last ReportedProjected for Next Year
Return On Capital Employed 0.01  0.01 
Return On Equity 0.07  0.05 

Management Efficiency

As of March 24, 2025, 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 1.1 B, whereas Other Assets are forecasted to decline to about 5.5 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.
Last ReportedProjected for Next Year
Enterprise Value Over EBITDA 12.68  10.26 
Book Value Per Share 22.92  18.95 
Tangible Book Value Per Share 22.04  17.93 
Price Book Value Ratio 0.81  1.23 
Enterprise Value Multiple 12.68  10.26 
Price Fair Value 0.81  1.23 
Enterprise Value155.4 M163.1 M
Examining the leadership quality of Pathfinder Bancorp offers valuable insights into its operational efficiency and financial health. This analysis assists investors in making informed decisions regarding the stock.
Dividend Yield
0.0222
Operating Margin
(1.24)
Profit Margin
0.0567
Forward Dividend Yield
0.0222
Beta
0.241

Technical Drivers

As of the 24th of March, Pathfinder Bancorp holds the Risk Adjusted Performance of (0.03), variance of 2.71, and Coefficient Of Variation of (2,973). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pathfinder Bancorp, as well as the relationship between them.

Pathfinder Bancorp Price Movement Analysis

The output start index for this execution was four with a total number of output elements of fifty-seven. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Pathfinder Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Pathfinder Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Pathfinder Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pathfinder Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pathfinder Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Pathfinder Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Pathfinder Bancorp Outstanding Bonds

Pathfinder Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Pathfinder Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Pathfinder bonds can be classified according to their maturity, which is the date when Pathfinder Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Pathfinder Bancorp Predictive Daily Indicators

Pathfinder Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Pathfinder Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Pathfinder Bancorp Corporate Filings

8K
4th of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
3rd of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
28th of February 2025
Other Reports
ViewVerify
F4
26th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
24th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
14th of February 2025
Other Reports
ViewVerify
F4
13th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
5th of February 2025
Other Reports
ViewVerify

Pathfinder Bancorp Forecast Models

Pathfinder Bancorp's time-series forecasting models are one of many Pathfinder Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Pathfinder Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Pathfinder Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Pathfinder Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Pathfinder shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Pathfinder Bancorp. By using and applying Pathfinder Stock analysis, traders can create a robust methodology for identifying Pathfinder entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.33  0.29 
Operating Profit Margin 0.33  0.31 
Net Profit Margin 0.26  0.21 
Gross Profit Margin 0.87  0.78 

Be your own money manager

As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Pathfinder Bancorp to your portfolios without increasing risk or reducing expected return.

Did you try this?

Run Portfolio Comparator Now

   

Portfolio Comparator

Compare the composition, asset allocations and performance of any two portfolios in your account
All  Next Launch Module

Complementary Tools for Pathfinder Stock analysis

When running Pathfinder Bancorp's price analysis, check to measure Pathfinder Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pathfinder Bancorp is operating at the current time. Most of Pathfinder Bancorp's value examination focuses on studying past and present price action to predict the probability of Pathfinder Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pathfinder Bancorp's price. Additionally, you may evaluate how the addition of Pathfinder Bancorp to your portfolios can decrease your overall portfolio volatility.
Competition Analyzer
Analyze and compare many basic indicators for a group of related or unrelated entities
Commodity Channel
Use Commodity Channel Index to analyze current equity momentum
Money Flow Index
Determine momentum by analyzing Money Flow Index and other technical indicators
Insider Screener
Find insiders across different sectors to evaluate their impact on performance
Funds Screener
Find actively-traded funds from around the world traded on over 30 global exchanges
Earnings Calls
Check upcoming earnings announcements updated hourly across public exchanges
Portfolio Analyzer
Portfolio analysis module that provides access to portfolio diagnostics and optimization engine
Fundamentals Comparison
Compare fundamentals across multiple equities to find investing opportunities
Stock Screener
Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook.