Our top pick for
Pathfinder Bancorp, Inc is a banks-regional business based in the US. Pathfinder Bancorp shares (PBHC) are listed on the NASDAQ and all prices are listed in US Dollars. Pathfinder Bancorp employs 157 staff and has a trailing 12-month revenue of around 0.00.
|52-week range||$8.94 - $16.05|
|50-day moving average||$14.60|
|200-day moving average||$12.51|
|Wall St. target price||N/A|
|Dividend yield||$0.24 (1.6%)|
|Earnings per share (TTM)||$1.17|
*Signup bonus information updated weekly.
The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Valuing Pathfinder Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Pathfinder Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Pathfinder Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Pathfinder Bancorp shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||$33.4 million|
|Operating margin TTM||27.2%|
|Gross profit TTM||$33.4 million|
|Return on assets TTM||0.61%|
|Return on equity TTM||7.48%|
|Market capitalisation||$68 million|
TTM: trailing 12 months
There are currently 259 Pathfinder Bancorp shares held short by investors – that's known as Pathfinder Bancorp's "short interest". This figure is 91.4% down from 3,019 last month.
There are a few different ways that this level of interest in shorting Pathfinder Bancorp shares can be evaluated.
Pathfinder Bancorp's "short interest ratio" (SIR) is the quantity of Pathfinder Bancorp shares currently shorted divided by the average quantity of Pathfinder Bancorp shares traded daily (recently around 1726.6666666667). Pathfinder Bancorp's SIR currently stands at 0.15. In other words for every 100,000 Pathfinder Bancorp shares traded daily on the market, roughly 150 shares are currently held short.
However Pathfinder Bancorp's short interest can also be evaluated against the total number of Pathfinder Bancorp shares, or, against the total number of tradable Pathfinder Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Pathfinder Bancorp's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Pathfinder Bancorp shares in existence, roughly 0 shares are currently held short) or 0.0001% of the tradable shares (for every 100,000 tradable Pathfinder Bancorp shares, roughly 0 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Pathfinder Bancorp.
Find out more about how you can short Pathfinder Bancorp stock.
Dividend payout ratio: 20.73% of net profits
Recently Pathfinder Bancorp has paid out, on average, around 20.73% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.86% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Pathfinder Bancorp shareholders could enjoy a 1.86% return on their shares, in the form of dividend payments. In Pathfinder Bancorp's case, that would currently equate to about $0.24 per share.
While Pathfinder Bancorp's payout ratio might seem low, this can signify that Pathfinder Bancorp is investing more in its future growth.
Pathfinder Bancorp's most recent dividend payout was on 6 May 2021. The latest dividend was paid out to all shareholders who bought their shares by 13 April 2021 (the "ex-dividend date").
Pathfinder Bancorp's shares were split on a 1647:1000 basis on 16 October 2014. So if you had owned 1000 shares the day before before the split, the next day you'd have owned 1647 shares. This wouldn't directly have changed the overall worth of your Pathfinder Bancorp shares – just the quantity. However, indirectly, the new 39.3% lower share price could have impacted the market appetite for Pathfinder Bancorp shares which in turn could have impacted Pathfinder Bancorp's share price.
Over the last 12 months, Pathfinder Bancorp's shares have ranged in value from as little as $8.9448 up to $16.05. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Pathfinder Bancorp's is 0.0954. This would suggest that Pathfinder Bancorp's shares are less volatile than average (for this exchange).
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2020, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County.
Everything we know about the TC Bancshares IPO, plus information on how to buy in.
Everything we know about the Soulgate IPO, plus information on how to buy in.
Everything we know about the Alzamend Neuro IPO, plus information on how to buy in.
Everything we know about the Singular Genomics Systems IPO, plus information on how to buy in.
Everything we know about the Golden Sun Education Group Limited IPO, plus information on how to buy in.
Everything we know about the Phillips Edison & Company IPO, plus information on how to buy in.
Everything we know about the FIGS IPO, plus information on how to buy in.
Everything we know about the DLocal Limited IPO, plus information on how to buy in.
Everything we know about the Torchy’s Tacos IPO, plus information on how to buy in.
Everything we know about the Dutch Bros Coffee IPO, plus information on how to buy in.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.