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PBHC

HOLD

Pathfinder Bancorp, Inc. · Financial Services · United States · $99M · Avg Vol: $295K/d

37
StockRank
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Q
29
V
47
M
52
P/E (TTM)
ROE
-2.0%
D/E
0.9x
Dividend %
2.5%
Loading 1Y...
PRICE (1Y)+4.2%
15.1315.5415.9516.3616.77Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$16.00
RSI (14)
53.8
52W High
$17.29
From 52W High
0.9%

SCORE BREAKDOWN

Quality
29
ROIC (ROA)
-0.2%*12.6
ROE
-2.0%8.4
GP/Assets
2.1%N/A
Op. Margin
27.1%46.0
FCF/Assets
0.3%N/A
Piotroski
251.2
Int. Cover
50.0
D/E Ratio
0.87xN/A
Current Ratio
bankN/A
Value
47
P/E (TTM)
N/A
EV/EBITDA
bankN/A
P/FCF
20.4xN/A
P/B
0.8x80.0
P/S
3.3x57.5
Div Yield
2.5%30.3
Momentum
52
52W High %
93%48.4
RS 6M
7%69.5
SMA 50/200
1.07x66.1
EPS Rev 4W
N/A
EPS Rev 12W
N/A
EPS Improve
N/A
Q Growth
-19%15.6

FUNDAMENTALS

Market Cap
$99M
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.

TickerCompanyMkt CapStockRankSignal
PBHCPathfinder Bancorp, Inc.(you)$99M37HOLD
SSBISummit State Bank$89M37HOLD
FNWBFirst Northwest Bancorp$114M36HOLD
BSBKBogota Financial Corp.$116M37HOLD
RVSBRiverview Bancorp, Inc.$107M32SELL
BYFCBroadway Financial Corporation$95M45HOLD
SFBCSound Financial Bancorp, Inc.$107M46HOLD
PROVProvident Financial Holdings, Inc.$108M46HOLD
NSTSNSTS Bancorp, Inc.$67M40HOLD
CLSTCatalyst Bancorp, Inc.$67M41HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Pathfinder Bancorp, Inc. (PBHC) — Stock Score Summary

Pathfinder Bancorp, Inc. (PBHC) has a MoatMap StockRank of 37/100 based on Quality (29/100), Value (47/100), and Momentum (52/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price$16.00
Market Cap$99M
Price/Book0.81
Return on Equity-2.0%
Debt/Equity0.87x
Operating Margin27.1%
Revenue Growth-4.2%
Dividend Yield2.5%
Free Cash Flow$5M

Pathfinder Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Pathfinder Bancorp, Inc.’s (PBHC) StockRank?
MoatMap’s StockRank for Pathfinder Bancorp, Inc. (PBHC) is 37/100, with a Hold signal. It is a composite of Quality (29), Value (47), and Momentum (52) factor ranks across MoatMap’s 20,000+ stock universe.
Does Pathfinder Bancorp, Inc. have an economic moat?
Pathfinder Bancorp, Inc. (PBHC) has a Quality factor score of 29/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Pathfinder Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Pathfinder Bancorp, Inc. (PBHC) is Hold, based on a StockRank of 37/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Pathfinder Bancorp, Inc. in?
Pathfinder Bancorp, Inc. (PBHC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).