How to buy Pathfinder Bancorp stock (PBHC)

Pathfinder Bancorp 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. Its last market close was $17.37 – an increase of 3.33% over the previous week. Pathfinder Bancorp employs 161 staff and has a trailing 12-month revenue of around $35.5 million.

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Pathfinder Bancorp stock price (NASDAQ: PBHC)

Use our graph to track the performance of PBHC stocks over time.

Pathfinder Bancorp shares at a glance

• Key figures

Information last updated 2024-12-15.

Latest market close	$17.37
52-week range	$11.17 - $19.86
50-day moving average more info button	$16.78
200-day moving average more info button	$14.18
Wall St. target price	N/A
PE ratio more info button	56.25
Dividend yield more info button	$0.39 (2.22%)
Earnings per share (TTM) more info button	$0.32

Is it a good time to buy Pathfinder Bancorp stock?

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.

Pathfinder Bancorp price performance over time

Historical closes compared with the close of $17.61 from 2024-12-23

1 week (2024-12-18)	4.76%
1 month (2024-11-25)	-1.18%
3 months (2024-09-25)	10.75%
6 months (2024-06-25)	38.12%

1 year (2023-12-22)	26.51%
2 years (2022-12-23)	0.19%
3 years (2021-12-23)	10.99%
5 years (2019-12-24)	44.36%

Is Pathfinder Bancorp stock undervalued or overvalued?

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 P/E ratio

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 56x. In other words, Pathfinder Bancorp shares trade at around 56x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

Pathfinder Bancorp financials

Revenue TTM	$35.5 million
Gross profit TTM	$44.6 million
Return on assets TTM	0.15%
Return on equity TTM	1.82%
Profit margin	5.67%
Book value	$19.87
Market Capitalization more info button	$109.8 million

TTM: trailing 12 months

Pathfinder Bancorp share dividends

Dividend payout ratio: 118.75% of net profits

Recently Pathfinder Bancorp has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% 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 0% return on their shares, in the form of dividend payments. In Pathfinder Bancorp's case, that would currently equate to about $0.39 per share.

Pathfinder Bancorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Pathfinder Bancorp's most recent dividend payout was on 7 November 2024. The latest dividend was paid out to all shareholders who bought their shares by 17 October 2024 (the "ex-dividend date").

Have Pathfinder Bancorp's shares ever split?

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.

Pathfinder Bancorp share price volatility

Over the last 12 months, Pathfinder Bancorp's shares have ranged in value from as little as $11.1722 up to $19.86. 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 0.241. This would suggest that Pathfinder Bancorp's shares are less volatile than average (for this exchange).

Pathfinder Bancorp overview

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; 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. The company was founded in 1859 and is headquartered in Oswego, New York.

Frequently asked questions

What percentage of Pathfinder Bancorp is owned by insiders or institutions?
Currently 27.198% of Pathfinder Bancorp shares are held by insiders and 29.557% by institutions. How many people work for Pathfinder Bancorp?
Latest data suggests 161 work at Pathfinder Bancorp. When does the fiscal year end for Pathfinder Bancorp?
Pathfinder Bancorp's fiscal year ends in December. Where is Pathfinder Bancorp based?
Pathfinder Bancorp's address is: 214 West First Street, Oswego, NY, United States, 13126 What is Pathfinder Bancorp's ISIN number?
Pathfinder Bancorp's international securities identification number is: US70319R1095 What is Pathfinder Bancorp's CUSIP number?
Pathfinder Bancorp's Committee on Uniform Securities Identification Procedures number is: 70319R109