Pathfinder Bancorp Inc

Company Profile

Pathfinder Bancorp Inc had its IPO on 1996-05-30 under the ticker symbol PBHC.

The company operates in the Financial Services sector and Banks-Regional industry. Pathfinder Bancorp Inc has a staff strength of 162 employees.

Stock update

Shares of Pathfinder Bancorp Inc opened at $12.63 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $12.63 - $13.03, and closed at $13.

This is a -0.23% slip from the previous day's closing price.

A total volume of 12,271 shares were traded at the close of the day’s session.

In the last one week, shares of Pathfinder Bancorp Inc have slipped by -1.07%.

Pathfinder Bancorp Inc's Key Ratios

Pathfinder Bancorp Inc has a market cap of $79.10 million, indicating a price to book ratio of 1.0274 and a price to sales ratio of 2.4498.

In the last 12-months Pathfinder Bancorp Inc’s revenue was $42.93 million with a gross profit of $44.56 million and an EBITDA of $0. The EBITDA ratio measures Pathfinder Bancorp Inc's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Pathfinder Bancorp Inc’s operating margin was 33.61% while its return on assets stood at 0.83% with a return of equity of 10.25%.

In Q2, Pathfinder Bancorp Inc’s quarterly earnings growth was a negative -40% while revenue growth was a negative 13.7%.

Pathfinder Bancorp Inc’s PE and PEG Ratio

Forward PE

0

Trailing PE

7.0432

PEG

0

Its diluted EPS in the last 12-months stands at $1.85 per share while it has a forward price to earnings multiple of 0 and a PEG multiple of 0. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Pathfinder Bancorp Inc’s profitability.

Pathfinder Bancorp Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 2.4498.

Pathfinder Bancorp Inc stock pays annual dividends of $0.36 per share, indicating a yield of 2.57% and a payout ratio of 24.88%.

Balance sheet and cash flow metrics

Total Assets

$1.39 billion

Total Liabilities

$69.54 million

Operating Cash Flow

$0

Capital Expenditure

$494000

Dividend Payout Ratio

24.88%

Pathfinder Bancorp Inc ended 2024 with $1.39 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $1.39 billion while shareholder equity stood at $113.78 million.

Pathfinder Bancorp Inc ended 2024 with $0 in deferred long-term liabilities, $69.54 million in other current liabilities, 61000.00 in common stock, $72.66 million in retained earnings and $4.54 million in goodwill. Its cash balance stood at $36.82 million and cash and short-term investments were $369.87 million. The company’s total short-term debt was $69,536,000 while long-term debt stood at $89.74 million.

Pathfinder Bancorp Inc’s total current assets stands at $369.87 million while long-term investments were $383.68 million and short-term investments were $185.82 million. Its net receivables were $6.15 million compared to accounts payable of $1.56 million and inventory worth $0.

In 2024, Pathfinder Bancorp Inc's operating cash flow was $0 while its capital expenditure stood at $494000.

Comparatively, Pathfinder Bancorp Inc paid $0.25 in dividends in 2024.

Other key metrics

Current Trading Price

$13

52-Week High

$21.5348

52-Week Low

$12.0264

Analyst Target Price

$

Pathfinder Bancorp Inc stock is currently trading at $13 per share. It touched a 52-week high of $21.5348 and a 52-week low of $21.5348. Analysts tracking the stock have a 12-month average target price of $.

Its 50-day moving average was $14 and 200-day moving average was $16.17 The short ratio stood at 1.37 indicating a short percent outstanding of 0%.

Around 2834.8% of the company’s stock are held by insiders while 2888.1% are held by institutions.