Pathfinder Bancorp Inc (MARYLAND)

General ticker "PBHC" information:

  • Sector: Financials
  • Industry: Banks
  • Capitalization: $106.3M

Pathfinder Bancorp Inc (MARYLAND) follows the US Stock Market performance with the rate: 48.6%.

Estimated limits based on current volatility of 1.5%: low 16.97$, high 17.50$

Factors to consider:

  • Company pays dividends: last record date 2024-10-18, amount 0.10$ (Y2.30%)
  • Earnings for 18 months up through Q2 (+1 year) are below 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 2022-12-31 to 2024-12-30

  • 2022-12-31 to 2023-12-31 estimated range: [13.77$, 19.55$]
  • 2023-12-31 to 2024-12-30 estimated range: [12.76$, 18.56$]

Financial Metrics affecting the PBHC estimates:

  • Positive: 0.93 < Non-GAAP EPS, $ of 2.13
  • Positive: Operating profit margin, % of 21.32 > 19.51
  • Negative: Investing cash flow per share, $ of -22.08 <= -3.48
  • Negative: Inventory ratio change, % of 44.85 > 1.08
  • Positive: -0.25 < Return on assets ratio (scaled to [-100,100]) of 0.92
  • Negative: Interest expense per share, $ of 1.63 > 0.74
  • Positive: Operating cash flow per share per price, % of 19.48 > 12.76

Similar symbols

Short-term PBHC quotes

Long-term PBHC plot with estimates

Financial data

YTD 2020-12-31 2021-12-31 2022-12-31
Operating Revenue $38.13MM $43.70MM $56.74MM
Operating Expenses $29.88MM $27.80MM $44.65MM
Operating Income $8.24MM $15.91MM $12.10MM
Non-Operating Income $0.10MM $0.10MM $3.59MM
Interest Expense $10.86MM $7.53MM $9.70MM
Income(Loss) $8.34MM $16.01MM $15.69MM
Taxes $1.29MM $3.50MM $2.66MM
Profit(Loss) $7.05MM $12.51MM $13.03MM
Stockholders Equity $97.46MM $110.29MM $111.00MM
Inventory $48.01MM $41.67MM $837.72MM
Assets $1,227.44MM $1,285.18MM $1,399.92MM
Operating Cash Flow $46.56MM $20.15MM $21.73MM
Capital expenditure $1.26MM $1.21MM $5.21MM
Investing Cash Flow $-149.22MM $-69.95MM $-131.16MM
Financing Cash Flow $125.97MM $43.48MM $107.56MM
Earnings Per Share* $1.17 $2.38 $1.64

* EPS are Split Adjusted, recent splits may be reflected with a delay.