Pathfinder Bancorp, Inc.
General ticker "PBHC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $73.1M (TTM average)
Pathfinder Bancorp, Inc. does not follow the US Stock Market performance with the rate: -20.7%.
Estimated limits based on current volatility of 1.2%: low 13.60$, high 13.92$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-04-17, amount 0.10$ (Y2.93%)
- Total employees count: 174 (0.0%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Systemic risk, Real estate concentration
- Price in estimated range
- Earnings for 3 months up through Q1 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: [9.51$, 15.38$]
- 2026-12-31 to 2027-12-31 estimated range: [8.88$, 14.54$]
Financial Metrics affecting the PBHC estimates:
- Negative: with PPE of -11.5 at the end of fiscal year the price was high
- Negative: negative Operating income
- Positive: Operating cash flow per share per price, % of 13.22 > 12.90
- Positive: Investing cash flow per share per price, % of 45.78 > -0.60
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
- Positive: Industry operating profit margin (median), % of 22.72 > 9.60
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
- Positive: Industry inventory ratio change (median), % of 0 <= 0
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.