Pathfinder Bancorp, Inc.
General ticker "PBHC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $68.1M (TTM average)
Pathfinder Bancorp, Inc. follows the US Stock Market performance with the rate: 37.8%.
Estimated limits based on current volatility of 0.7%: low 16.57$, high 16.81$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-07-17, amount 0.10$ (Y2.41%)
- Total employees count: 187 (+0.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Real estate values, Market competition, Interest rate risk
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [11.32$, 17.00$]
- 2026-12-31 to 2027-12-31 estimated range: [10.75$, 16.43$]
Financial Metrics affecting the PBHC estimates:
- Positive: with PPE of -11.3 at the end of fiscal year the price was neutral
- Negative: negative Operating income
- Positive: 11.37 < Operating cash flow per share per price, % of 13.35
- Positive: 7.04 < Shareholder equity ratio, % of 8.58 <= 12.78
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of -0.24
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Negative: Interest expense per share per price, % of 36.94 > 10.35
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
Short-term PBHC quotes
Long-term PBHC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $47.04MM | $83.48MM | $63.17MM |
| Operating Expenses | $37.57MM | $78.32MM | $83.11MM |
| Operating Income | $9.47MM | $5.16MM | $-19.94MM |
| Non-Operating Income | $2.32MM | $0.00MM | $15.84MM |
| Interest Expense | $26.80MM | $35.40MM | $32.32MM |
| Income(Loss) | $11.78MM | $5.16MM | $-4.09MM |
| Taxes | $2.36MM | $0.33MM | $-2.16MM |
| Net Income(Loss)* | $9.29MM | $3.38MM | $-1.93MM |
| Stockholders Equity | $119.50MM | $121.48MM | $122.45MM |
| Assets | $1,465.80MM | $1,474.87MM | $1,426.64MM |
| Operating Cash Flow | $15.43MM | $11.21MM | $11.68MM |
| Capital expenditure | $1.97MM | $8.33MM | $1.26MM |
| Investing Cash Flow | $-54.79MM | $-22.40MM | $40.45MM |
| Financing Cash Flow | $52.81MM | $-5.97MM | $-52.52MM |
| Earnings Per Share** | $2.00 | $0.56 | $-0.31 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.