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    Pathfinder Bancorp, Inc. (PBHC)

    Price:

    15.37 USD

    ( - -0.01 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    PBHC
    Name
    Pathfinder Bancorp, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    15.370
    Market Cap
    94.094M
    Enterprise value
    211.584M
    Currency
    USD
    Ceo
    James A. Dowd CPA, CPA
    Full Time Employees
    172
    Ipo Date
    1995-11-16
    City
    Oswego
    Address
    214 West First Street

    Check the

    KEY TAKEAWAYS

    ASK OUR AI ABOUT THE COMPANY (REGISTER FOR EARLY ACCESS)
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    SIMILAR COMPANIES STI SCORE

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    Inter & Co, Inc.

    VALUE SCORE:

    8

    Symbol
    INTR
    Market Cap
    20.248B
    Industry
    Banks - Regional
    Sector
    Financial Services

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    First Merchants Corporation

    VALUE SCORE:

    14

    Symbol
    FRME
    Market Cap
    2.177B
    Industry
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    Sector
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    The best

    Bank OZK

    VALUE SCORE:

    15

    Symbol
    OZK
    Market Cap
    5.903B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    -99.248
    P/S
    1.151
    P/B
    0.588
    Debt/Equity
    1.162
    EV/FCF
    72.609
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    2.722
    Earnings yield
    -0.010
    Debt/assets
    0.096
    FUNDAMENTALS
    Net debt/ebidta
    23.032
    Interest coverage
    0.106
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.007
    Capex to operating cash flow
    0.725
    Capex to revenue
    0.099
    Capex to depreciation
    4.355
    Return on tangible assets
    -0.000
    Debt to market cap
    1.536
    Piotroski Score
    5.000
    FUNDAMENTALS
    PEG
    2.295
    P/CF
    6.562
    P/FCF
    30.710
    RoA %
    -0.049
    RoIC %
    0.927
    Gross Profit Margin %
    42.945
    Quick Ratio
    5.640
    Current Ratio
    5.640
    Net Profit Margin %
    -0.902
    Net-Net
    -222.401
    FUNDAMENTALS PER SHARE
    FCF per share
    0.644
    Revenue per share
    17.172
    Net income per share
    -0.155
    Operating cash flow per share
    2.342
    Free cash flow per share
    0.644
    Cash per share
    66.639
    Book value per share
    26.143
    Tangible book value per share
    23.888
    Shareholders equity per share
    26.143
    Interest debt per share
    37.734
    TECHNICAL
    52 weeks high
    19.860
    52 weeks low
    13.550
    Current trading session High
    15.370
    Current trading session Low
    15.370
    DIVIDEND
    Dividend yield
    2.60%
    Payout ratio
    -332%
    Years of div. Increase
    5.000
    Years of div.
    29.000
    Q-shift
    2.000
    Dividend per share
    0.400
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.03697183%
    Payout Ratio
    31.439587000000003%
    P/E
    11.177
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.027382603%
    Payout Ratio
    18.729444%
    P/E
    17.203
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.016929364%
    Payout Ratio
    16.772346%
    P/E
    10.918
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.026143791%
    Payout Ratio
    0%
    P/E
    19.948
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.013301663%
    Payout Ratio
    32.913875999999995%
    P/E
    24.804

    No data to display

    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.031076219%
    Payout Ratio
    30.190343%
    P/E
    9.524
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.03487139%
    Payout Ratio
    27.613263999999997%
    P/E
    7.897
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.035598706%
    Payout Ratio
    0%
    P/E
    11.708
    DESCRIPTION

    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. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

    NEWS
    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-second-quarter-2025-results-20250730.jpg
    Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results

    globenewswire.com

    2025-07-30 16:24:00

    Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company's ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as operating expense discipline, commercial loan growth and an improved core deposit ratio Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company's ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as operating expense discipline, commercial loan growth and an improved core deposit ratio

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20250630.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2025-06-30 16:05:00

    OSWEGO, N.Y., June 30, 2025 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2025. The second quarter 2025 dividend will be payable to all shareholders of record on July 18, 2025 and will be paid on August 8, 2025.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-financial-results-for-first-quarter-20250430.jpg
    Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025

    globenewswire.com

    2025-04-30 16:05:00

    Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-financial-results-forfourth-quarter-and-full-20250131.jpg
    Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024

    globenewswire.com

    2025-01-31 16:17:00

    Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from new and established Pathfinder Bank teams across Central New York

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20241223.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-12-23 16:15:00

    OSWEGO, N.Y., Dec. 23, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2024. The fourth quarter 2024 dividend will be payable to all shareholders of record on January 17, 2025 and will be paid on February 7, 2025.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240930.jpeg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-09-30 16:05:00

    OSWEGO, N.Y., Sept. 30, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2024. The third quarter 2024 dividend will be payable to all shareholders of record on October 18, 2024 and will be paid on November 8, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-retirement-of-evp-chief-banking-20240926.jpg
    Pathfinder Bancorp, Inc. Announces Retirement of EVP, Chief Banking Officer Ronald Tascarella, Serbun Named SVP, Chief Credit Officer

    globenewswire.com

    2024-09-26 16:05:00

    OSWEGO, N.Y., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30, 2024. Joseph Serbun has been appointed as Senior Vice President, Chief Credit Officer effective immediately.

    https://images.financialmodelingprep.com/news/pathfinder-bank-acquisition-of-berkshire-bank-branch-complete-20240722.jpg
    Pathfinder Bank Acquisition of Berkshire Bank Branch Complete

    globenewswire.com

    2024-07-22 09:31:00

    OSWEGO, N.Y., July 22, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Pathfinder”), announced today that Pathfinder has completed the previously announced purchase and assumption of the East Syracuse, New York branch of Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. In connection with the purchase, Pathfinder assumed approximately $186 million in deposit liabilities and acquired approximately $30 million in loans.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240701.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-07-01 16:05:00

    OSWEGO, N.Y., July 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2024. The second quarter 2024 dividend will be payable to all shareholders of record on July 19, 2024 and will be paid on August 9, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-receipt-of-regulatory-approvals-for-20240613.jpg
    Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch

    globenewswire.com

    2024-06-13 12:00:00

    OSWEGO, N.Y., June 13, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder” or “Company”) (NASDAQ: PBHC), announced that its banking subsidiary, Pathfinder Bank (“Bank”), has received the required regulatory agency approvals from both the New York State Department of Financial Services and the Federal Deposit Insurance Corporation to complete its pending acquisition of the East Syracuse, New York branch of Berkshire Bank, Pittsfield, MA located on 6611 Manlius Center Road.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-the-retirement-of-chief-financial-20240508.jpg
    Pathfinder Bancorp, Inc. Announces the Retirement of Chief Financial Officer and Names Successor

    globenewswire.com

    2024-05-08 16:05:00

    OSWEGO, N.Y., May 08, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that Walter F. Rusnak, CPA, 70, Senior Vice President and Chief Financial Officer, will retire from the role after a career spanning more than forty years in finance effective June 28, 2024. Justin K. Bigham, CPA, 50, has been named to succeed Rusnak as Senior Vice President, Chief Financial Officer. Rusnak will remain with the company in an advisory capacity to ensure a smooth transition and to continue to oversee the Bank's investment securities portfolio and overall balance sheet management.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-first-quarter-2024-net-income-20240429.jpg
    Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million

    globenewswire.com

    2024-04-29 16:05:00

    Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges

    https://images.financialmodelingprep.com/news/stonegate-capital-partners-updates-coverage-on-pathfinder-bancorp-inc-20240416.jpg
    Stonegate Capital Partners Updates Coverage on Pathfinder Bancorp, Inc. (PBHC) Q4 2023

    newsfilecorp.com

    2024-04-16 16:24:00

    Dallas, Texas--(Newsfile Corp. - April 16, 2024) - Pathfinder Bancorp, Inc. (NASDAQ: PBHC): Stonegate Capital Partners updates coverage on Pathfinder Bancorp, Inc. (NASDAQ: PBHC). To view the full announcement, including downloadable images, bios, and more, click here.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240401.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-04-01 16:10:00

    OSWEGO, N.Y., April 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common stock and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending March 31, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-announces-agreement-to-acquire-east-syracuse-branch-20240304.jpg
    Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch

    globenewswire.com

    2024-03-04 17:00:00

    OSWEGO, N.Y., March 04, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) has announced the signing of a branch purchase and assumption agreement pursuant to which Pathfinder Bank will acquire the East Syracuse, New York branch of Berkshire Bank, located on 6611 Manlius Center Road.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-fourth-quarter-2023-net-income-20240201.jpg
    Pathfinder Bancorp, Inc. Announces Fourth Quarter 2023 Net Income of $2.5 Million and Full Year Net Income of $9.3 Million

    globenewswire.com

    2024-02-01 16:05:00

    Highlights Include Effective Expense Management and Resilient Operational Performance Highlights Include Effective Expense Management and Resilient Operational Performance