PBHC

Pathfinder Bancorp Inc.

Price

$18.28

return (12m)

25.37%

p/e

754.15

p/bv

0.86

DIVIDEND YIELD

2.33%

PBHC price

Pathfinder Bancorp

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment PBHC

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

10.45%

3 months

17.50%

1 year

25.37%

2 years

19.69%

5 years

28.11%

10 years

86.33%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals PBHC

Valuation

P/E

754.15

Sector -142.59

Industry 10.55

P/BV

0.86

Sector -8.03

Industry 1.08

P/Revenue (PSR)

2.23

Sector -12.13

Industry 2.30

EV/EBITDA

Sector -707,613,396.40

Industry -4,760,305,107.82

EV/EBIT

Sector -5,181,344,725.57

Industry -44,904,983,753.78

P/EBITDA

Sector -98.03

Industry -0.76

P/EBIT

Sector -115.08

Industry -68.16

P/Total Assets

0.07

Sector 0.14

Industry 0.11

P/Net Current Assets

-0.08

Sector -7.73

Industry -0.24

P/Working Capital

Sector -990.44

Industry -

EPS

0.02

Sector -9,594.04

Industry 2.59

BVPS

20.05

Sector -26,074.98

Industry 27.05

Efficiency

Gross Margin

0.00%

Sector 0.21%

Industry 10.25%

EBITDA Margin

0.00%

Sector -303.59%

Industry 1.75%

EBIT Margin

0.00%

Sector -361,030.24%

Industry 0.52%

Operating Margin

0.00%

Sector -6.49%

Industry 2.43%

Net Profit Margins

0.30%

Sector -1.97%

Industry 25.33%

Asset Turnover

0.01

Sector 0.01

Industry 0.01

Profitability

ROE

0.11%

Sector -1,330.04%

Industry 9.69%

ROA

0.01%

Sector -7.68%

Industry 1.00%

ROIC

0.00%

Sector -12.66%

Industry -4.76%

Dividends

Dividend yield

2.33%

Sector 0.25%

Industry 1.76%

Payout

1,757.17%

Sector 5.42%

Industry 22.87%

Debt

Current Ratio

Sector -

Industry -

Net Debt / EBITDA

Sector -477,604,803.34

Industry -2,933,857,825.84

Net Debt / EBIT

Sector -4,408,861,001.46

Industry -29,005,664,007.00

Net Debt / Equity

0.00

Sector -0.84

Industry -0.11

Gross Debt / Equity

0.00

Sector -0.23

Industry 0.02

Equity/Assets

0.08

Sector -0.02

Industry 0.10

Liabilities/Assets

0.92

Sector 0.37

Industry 0.89

Growth

5Y Revenue CAGR

1.55%

Sector -

Industry -

5Y Earnings CAGR

-59.04%

Sector -

Industry -

Fundamentals PBHC

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FAIR VALUE OF Pathfinder Bancorp ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$18.28

Fair Value

$3.00

Upside

-83.57%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
PBHC Pathfinder Bancorp Inc.	$18.28	25.37%	2.33%	754.15	0.86	0.11%	0.30%
NU Nu Holdings (NuBank)	$14.24	-9.24%	0.00%	19.88	5.41	27.22%	18.61%
BAC Bank of America Corporation	$58.90	19.61%	1.79%	13.79	1.51	10.97%	16.92%
HSBC HSBC Holdings PLC	$101.45	55.62%	3.65%	14.06	1.80	12.84%	18.78%
C Citigroup Inc.	$134.17	37.79%	1.78%	14.28	1.13	7.94%	9.67%
RY ROYAL BANK OF CANADA	$202.85	45.49%	2.30%	21.53	2.75	12.76%	15.73%
ITUB Itau Unibanco Banco Holding SA	$8.25	28.83%	6.90%	384.22	58.40	15.20%	9.21%
ING ING Group N.V.	$36.53	50.22%	3.60%	6.72	1.44	21.39%	25.90%
SAN Banco Santander SA ADR	$14.56	47.45%	1.36%	5.22	1.34	25.71%	30.33%
WFC Wells Fargo & Company	$88.86	11.44%	2.05%	12.57	1.54	12.26%	17.12%
LYG Lloyds Banking Group PLC	$5.84	36.15%	3.37%	1.22	0.20	16.09%	8.25%
TD Toronto Dominion Bank	$120.12	62.72%	2.61%	72.95	3.06	4.19%	15.79%
NWG NatWest Group PLC	$18.49	35.51%	3.34%	2.55	0.37	14.39%	20.44%
BCS Barclays PLC	$25.19	25.34%	1.74%	11.34	0.65	5.73%	11.31%
BBD Banco Bradesco SA ADR	$3.52	25.03%	7.65%	42.85	5.69	13.27%	7.37%
BSBR Banco Santander Brasil SA ADR	$5.85	15.81%	5.65%	89.60	9.41	10.51%	3.93%
MUFG Mitsubishi UFJ Financial Group Inc.	$23.52	55.19%	1.81%	2,341.77	316.49	13.51%	20.20%
BSAC Banco Santander Chile	$34.66	41.08%	4.32%	13.53	2.92	21.58%	34.03%
DB Deutsche Bank AG	$38.46	6.29%	2.15%	12.13	0.88	7.22%	9.00%
USB U.S. Bancorp	$62.21	32.81%	3.35%	12.10	1.43	11.83%	18.24%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

PBHC Historical Dividends

current DY: 2.33%

5-year average DY: 2.37%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	07/16/2026	08/07/2026	0.10000000
Dividends	04/16/2026	05/08/2026	0.10000000
Dividends	01/15/2026	02/06/2026	0.10000000
Dividends	10/16/2025	11/07/2025	0.10000000
Dividends	07/17/2025	08/08/2025	0.10000000
Dividends	04/17/2025	05/09/2025	0.10000000
Dividends	01/16/2025	02/07/2025	0.10000000
Dividends	10/17/2024	11/08/2024	0.10000000
Dividends	07/18/2024	08/09/2024	0.10000000
Dividends	04/17/2024	05/10/2024	0.10000000
Dividends	01/10/2024	02/02/2024	0.09000000
Dividends	10/18/2023	11/10/2023	0.09000000
Dividends	07/19/2023	08/11/2023	0.09000000
Dividends	04/20/2023	05/19/2023	0.09000000
Dividends	01/13/2023	02/10/2023	0.09000000
Dividends	10/12/2022	11/11/2022	0.09000000
Dividends	07/13/2022	08/12/2022	0.09000000
Dividends	04/20/2022	05/06/2022	0.09000000
Dividends	01/12/2022	02/04/2022	0.07000000
Dividends	10/13/2021	11/05/2021	0.07000000
Dividends	07/14/2021	08/13/2021	0.07000000
Dividends	04/13/2021	05/07/2021	0.07000000
Dividends	01/13/2021	02/05/2021	0.06000000
Dividends	10/14/2020	11/06/2020	0.06000000
Dividends	07/15/2020	08/14/2020	0.06000000
Dividends	04/14/2020	05/08/2020	0.06000000
Dividends	01/15/2020	02/07/2020	0.06000000
Dividends	10/16/2019	11/08/2019	0.06000000
Dividends	07/17/2019	08/09/2019	0.06000000
Dividends	04/16/2019	05/10/2019	0.06000000
Dividends	01/16/2019	02/08/2019	0.06000000
Dividends	10/17/2018	11/09/2018	0.06000000
Dividends	07/18/2018	08/10/2018	0.06000000
Dividends	04/18/2018	05/11/2018	0.06000000
Dividends	01/10/2018	02/02/2018	0.05750000
Dividends	10/11/2017	11/03/2017	0.05500000
Dividends	07/12/2017	08/04/2017	0.05250000
Dividends	04/12/2017	05/05/2017	0.05000000
Dividends	01/11/2017	02/03/2017	0.05000000
Dividends	10/12/2016	11/04/2016	0.05000000
Dividends	07/14/2016	08/08/2016	0.05000000
Dividends	04/14/2016	05/09/2016	0.05000000
Dividends	01/07/2016	02/01/2016	0.05000000
Dividends	10/12/2015	11/03/2015	0.05000000
Dividends	07/13/2015	08/03/2015	0.03000000
Dividends	04/13/2015	05/04/2015	0.03000000
Dividends	01/13/2015	02/02/2015	0.03000000
Dividends	10/13/2014	11/04/2014	0.03000000
Dividends	07/11/2014	08/04/2014	0.03000000
Dividends	04/11/2014	05/05/2014	0.03000000
Dividends	01/13/2014	02/07/2014	0.03000000
Dividends	10/11/2013	11/04/2013	0.03000000
Dividends	07/11/2013	08/02/2013	0.03000000
Dividends	04/11/2013	05/03/2013	0.03000000
Dividends	01/09/2013	01/31/2013	0.03000000
Dividends	10/10/2012	11/01/2012	0.03000000
Dividends	07/11/2012	08/01/2012	0.03000000
Dividends	04/11/2012	05/01/2012	0.03000000
Dividends	01/11/2012	02/01/2012	0.03000000
Dividends	10/12/2011	11/01/2011	0.03000000
Dividends	07/13/2011	08/01/2011	0.03000000
Dividends	04/12/2011	04/29/2011	0.03000000
Dividends	01/12/2011	02/03/2011	0.03000000
Dividends	10/13/2010	11/03/2010	0.03000000
Dividends	07/13/2010	08/02/2010	0.03000000
Dividends	04/13/2010	05/03/2010	0.03000000
Dividends	01/12/2010	01/30/2010	0.03000000
Dividends	10/13/2009	10/30/2009	0.03000000
Dividends	07/13/2009	07/31/2009	0.03000000
Dividends	05/13/2009	05/29/2009	0.03000000
Dividends	01/14/2009	01/30/2009	0.10300000
Dividends	10/13/2008	10/31/2008	0.10300000
Dividends	07/11/2008	07/31/2008	0.10300000
Dividends	04/11/2008	04/30/2008	0.10300000
Dividends	01/09/2008	01/31/2008	0.10300000
Dividends	10/10/2007	10/31/2007	0.10300000
Dividends	07/11/2007	07/31/2007	0.10300000
Dividends	04/11/2007	04/30/2007	0.10300000
Dividends	01/10/2007	01/26/2007	0.10300000
Dividends	10/11/2006	10/27/2006	0.10300000
Dividends	07/12/2006	07/28/2006	0.10300000
Dividends	04/12/2006	04/28/2006	0.10300000
Dividends	01/11/2006	01/31/2006	0.10300000
Dividends	10/12/2005	10/31/2005	0.10300000
Dividends	06/28/2005	07/15/2005	0.10300000
Dividends	03/29/2005	04/15/2005	0.10300000
Dividends	12/29/2004	01/14/2005	0.10300000
Dividends	09/28/2004	10/15/2004	0.10100000
Dividends	06/28/2004	07/15/2004	0.10000000
Dividends	03/29/2004	04/15/2004	0.10000000
Dividends	12/29/2003	01/12/2004	0.10000000
Dividends	09/26/2003	10/15/2003	0.10000000
Dividends	06/26/2003	07/15/2003	0.10000000
Dividends	03/25/2003	04/14/2003	0.10000000
Dividends	12/25/2002	01/13/2003	0.08000000
Dividends	09/24/2002	10/15/2002	0.08000000
Dividends	06/24/2002	07/15/2002	0.07000000
Dividends	03/22/2002	04/15/2002	0.07000000
Dividends	12/25/2001	01/14/2002	0.07000000
Dividends	09/24/2001	10/15/2001	0.07000000
Dividends	06/25/2001	07/16/2001	0.06000000
Dividends	03/26/2001	04/16/2001	0.06000000
Dividends	12/25/2000	01/16/2001	0.06000000
Dividends	09/25/2000	10/16/2000	0.06000000
Dividends	06/28/2000	07/15/2000	0.09880000
Dividends	03/27/2000	04/14/2000	0.06000000
Dividends	01/20/2000	01/15/2000	0.06000000
Dividends	09/28/1999	10/15/1999	0.06000000
Dividends	07/22/1999	07/15/1999	0.06000000
Dividends	03/25/1999	04/15/1999	0.06000000
Dividends	01/13/1999	01/15/1999	0.05000000
Dividends	09/24/1998	10/15/1998	0.05000000
Dividends	07/10/1998	07/15/1998	0.05000000
Dividends	03/25/1998	04/24/1998	0.05000000

ABOUT Pathfinder Bancorp

Pathfinder Bancorp Inc.

Average Investor10 user rating

4.0 (3 people)

United States

167 years

Founded: 1859

1996

Time since IPO - 30 years

183

Employees

Pathfinder Bancorp Inc. (United States) is listed on the Nasdaq and has a market capitalization of $107.84 million, with shareholders equity totaling $125.74 million.

The company employs approximately 183 people and operates in the Financial sector, within the Banks industry.

Over the past 12 months, Pathfinder Bancorp Inc. reported $48.42 million in revenue, generating net income of $143.00 Thousand.

Key financial metrics include a P/E ratio of 754.15, a price-to-book (P/B) ratio of 0.86, and a trailing twelve-month dividend yield of 2.33%.

The company trades under the ticker PBHC.

Market cap

$107.84 million

Net worth

$125.74 million

$125,744,000.00

Assets

$1.49 billion

$1,492,503,000.00

Total Shares Outstanding

6.27 million

6,270,000

Average Daily Trading Volume

$10.13 Thousand

$10,133.88

Sector

Financial

Industry

Banks

PBHC

PBHC revenue and profits

Financial Results PBHC

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PBHC cash flow

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