Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PBHC
HoldHot AirPathfinder Bancorp, Inc. · Financial Services · United States · $101M · Avg Vol: $96K/d
56
StockRankGet insider-trade alerts
Q
29
V
40
M
82
P/E (TTM)
1579.0x
ROE
0.1%
D/E
0.9x
Dividend %
2.6%
COMPANY DESCRIPTION
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 46.7M | 43.1M | 46.1M | 47.0M | 0.2% | 33.8M |
| EPS | 2.13 | 1.51 | 0.60 | -0.54 | -46.9% | — |
| Shares | 6.0M | 6.1M | 6.1M | 6.2M | +2.5% | 4.9M |
| Debt | 152.6M | 211.6M | 136.5M | 105.9M | -11.5% | 181.0M |
| Equity | 111.0M | 119.5M | 121.5M | 122.5M | 3.3% | — |
| Op CF | 21.7M | 15.4M | 11.2M | 11.7M | -18.7% | 11.8M |
| Inv CF | -131.2M | -54.8M | -22.4M | 40.4M | — | — |
| Fin CF | 107.6M | 52.8M | -6.0M | -52.5M | — | — |
Loading 1Y...
PRICE (1Y)+4.4%
SMA 50SMA 200
Close
$16.71
RSI (14)
56.4
52W High
$17.29
From 52W High
1.0%
SCORE BREAKDOWN
Quality
29
ROIC (ROA)
0.0%*14.1
ROE
0.1%10.8
GP/Assets
2.4%N/A
Op. Margin
29.4%45.7
FCF/Assets
0.3%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.87xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
1579.0x0.0
EV/EBITDA
bankN/A
P/FCF
20.8xN/A
P/B
0.8x80.6
P/S
2.9x61.6
Div Yield
2.6%35.1
Momentum
82
52W High %
97%84.0
RS 6M
10%72.9
SMA 50/200
1.13x79.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
8507%99.6
FUNDAMENTALS
Market Cap
$101M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PBHC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PBHC | Pathfinder Bancorp, Inc.(you) | $101M | 56 | Hold |
| UBCP | United Bancorp, Inc. | $90M | 59 | Hold |
| PROV | Provident Financial Holdings, Inc. | $115M | 59 | Hold |
| BYFC | Broadway Financial Corporation | $114M | 52 | Hold |
| FDSB | Fifth District Bancorp, Inc. | $96M | 46 | Hold |
| FSEA | First Seacoast Bancorp, Inc. | $81M | 49 | Hold |
| SFBC | Sound Financial Bancorp, Inc. | $120M | 67 | Buy |
| CPBI | Central Plains Bancshares, Inc. | $82M | 67 | Buy |
| BSBK | Bogota Financial Corp. | $118M | 43 | Hold |
| RBKB | Rhinebeck Bancorp, Inc. | $197M | 60 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%