Pathfinder Bancorp, Inc.
Calidad de datos: 83%
PBHC
NASDAQ
Financial Services
Depository Institutions
$13.72
▲
$0.21
(1.55%)
Cap. Mercado: 84.53 M
Precio
$13.51
Cap. Mercado
84.53 M
Rango del Día
—
Rango de 52 Semanas
—
Volumen
—
Apertura —
Promedio 50D / 200D
—
Promedio 50D / 200D
—
Quick Summary
Puntos Clave
Earnings declined -157.14% over the past year
Debt/Equity of 0.45 — conservative balance sheet
Generating 10.42 M in free cash flow
Dividend yield of 2.96% — meaningful income
20 consecutive years of dividends — reliable payer
Dividends growing 10.76% annually over 5 years
Crecimiento
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-157.14%
FCF Growth (3Y)-12.05%
Calidad
Return on Equity
-1.54%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Seguridad
Debt / Equity
0.45
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A
Valoración
PE (TTM)
-43.73
Below sector avg (11.14)
P/B Ratio0.67
EV/EBITDAN/A
Dividend Yield2.96%
Historial de Precios
Tendencias Financieras
Comparación con Pares
vs mediana del sector Financial Services (2607 pares)
Comparación con Pares
vs mediana del sector Financial Services (2607 pares)| Métrica | Acción | Mediana del Sector |
|---|---|---|
| P/E | -43.7 | 11.1 |
| P/B | 0.7 | 1.2 |
| ROE % | -1.5 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | 0.5 | 0.5 |
Precio Objetivo de Analistas
No hay cobertura de analistas disponible
Estimaciones de Ganancias
No hay estimaciones futuras disponibles
No quarterly estimates available
Sorpresas de Ganancias
Último 1 trimestre
| Trimestre | EPS Est. | EPS Real | Sorpresa |
|---|---|---|---|
| Q12014 | N/A | $0.12 | — |
ETFs Holding This Stock
BOSVX
BOSVX
0.02% weight
Dividend History
Yield
2.96%
Payout Ratio
N/A
Growth (3Y)
5.57%
Growth (5Y)
10.76%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Jan 16, 2026 | — | $0.10 | N/A |
| Oct 17, 2025 | — | $0.10 | N/A |
| Jul 18, 2025 | — | $0.10 | N/A |
| Apr 17, 2025 | — | $0.10 | N/A |
| Jan 17, 2025 | — | $0.10 | N/A |
| Oct 18, 2024 | — | $0.10 | N/A |
| Jul 19, 2024 | — | $0.10 | N/A |
| Apr 18, 2024 | — | $0.10 | N/A |
| Jan 11, 2024 | — | $0.09 | N/A |
| Oct 19, 2023 | — | $0.09 | N/A |
| Jul 20, 2023 | — | $0.09 | N/A |
| Apr 21, 2023 | — | $0.09 | N/A |
| Jan 13, 2023 | — | $0.09 | N/A |
| Oct 13, 2022 | — | $0.09 | N/A |
| Jul 14, 2022 | — | $0.09 | N/A |
| Apr 21, 2022 | — | $0.09 | N/A |
| Jan 13, 2022 | — | $0.07 | N/A |
| Oct 14, 2021 | — | $0.07 | N/A |
| Jul 15, 2021 | — | $0.07 | N/A |
| Apr 14, 2021 | — | $0.07 | N/A |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | -157.14% | Earnings Growth (3Y) | N/A |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | N/A |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | -1.93 M |
| ROE | -1.54% | ROA | -0.13% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 10.42 M |
| ROIC | N/A | FCF Growth (3Y) | -12.05% |
| Safety | |||
| Debt / Equity | 0.45 | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 115.77 M |
| Dividends | |||
| Dividend Yield | 2.96% | Payout Ratio | N/A |
| Dividend Growth (3Y) | 5.57% | Dividend Growth (5Y) | 10.76% |
| Consecutive Div Years | 20 yrs | ||
| Valuation | |||
| P/E Ratio | -43.73 | Forward P/E | N/A |
| P/B Ratio | 0.67 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 12.32% | ||
| Market Cap | 84.53 M | Enterprise Value | 141.23 M |
| Per Share | |||
| EPS (Diluted TTM) | N/A | Revenue / Share | N/A |
| FCF / Share | 1.67 | OCF / Share | 1.87 |
| EPS CAGR (1Y) | N/A | EPS CAGR (5Y) | N/A |
| EPS CAGR (10Y) | N/A | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | -538.90% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | -1.93 M | 3.38 M | 9.29 M | 12.93 M | 12.41 M |
| EPS (Diluted) | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | — | — | — | — | — |
| Interest Expense | 44.34 M | 40.99 M | 28.74 M | 9.70 M | 7.53 M |
| Income Tax | -2.16 M | 332,000.0 | 2.36 M | 2.66 M | 3.50 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 1.43 B | 1.47 B | 1.47 B | 1.40 B | 1.29 B |
| Total Liabilities | 1.30 B | 1.35 B | 1.35 B | 1.29 B | 1.17 B |
| Shareholders' Equity | 122.45 M | 121.48 M | 119.50 M | 111.00 M | 110.29 M |
| Total Debt | 58.07 M | 88.07 M | 175.60 M | 116.00 M | 77.10 M |
| Cash & Equivalents | — | — | — | — | — |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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