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. Pathfinder Bancorp employs 161 staff and has a trailing 12-month revenue of around $41.4 million.
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| Latest market close | $16.04 |
|---|---|
| 52-week range | $11.24 - $19.05 |
| 50-day moving average | $14.81 |
| 200-day moving average | $13.22 |
| Wall St. target price | N/A |
| PE ratio | 11.1831 |
| Dividend yield | $0.38 (2.52%) |
| Earnings per share (TTM) | $1.42 |
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.
Historical closes compared with the close of $16.04 from 2024-09-06
| 1 week (2024-08-30) | 1.01% |
|---|---|
| 1 month (2024-08-07) | 0.25% |
| 3 months (2024-06-06) | 24.82% |
| 6 months (2024-03-07) | 34.65% |
| 1 year (2023-09-07) | 22.72% |
|---|---|
| 2 years (2022-09-07) | -23.62% |
| 3 years (2021-09-07) | 16.05 |
| 5 years (2019-09-04) | 32.33% |
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 11x. In other words, Pathfinder Bancorp shares trade at around 11x 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 | $41.4 million |
|---|---|
| Operating margin TTM | 26.45% |
| Gross profit TTM | $44.6 million |
| Return on assets TTM | 0.63% |
| Return on equity TTM | 7.51% |
| Profit margin | 21.31% |
| Book value | $20.24 |
| Market Capitalization | $96.9 million |
TTM: trailing 12 months
Dividend payout ratio: 34.25% of net profits
Recently Pathfinder Bancorp has paid out, on average, around 34.25% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.52% 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 2.52% return on their shares, in the form of dividend payments. In Pathfinder Bancorp's case, that would currently equate to about $0.38 per share.
While Pathfinder Bancorp's payout ratio might seem fairly standard, it's worth remembering that Pathfinder Bancorp may be investing much of the rest of its net profits in future growth.
Pathfinder Bancorp's most recent dividend payout was on 9 May 2024. The latest dividend was paid out to all shareholders who bought their shares by 18 July 2024 (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 $11.2403 up to $19.05. 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 0.251. This would suggest that Pathfinder Bancorp's shares are less volatile than average (for this exchange).
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.
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