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Company Analysis

Pathfinder Bancorp, Inc. PBHC

A comprehensive view of key metrics, scores, and financial health for Pathfinder Bancorp, Inc.

Overview of Pathfinder Bancorp, Inc.

PBHC NCM
Financial Services Banks - Regional Framework: Banks & Lenders Micro Cap
Pathfinder Bancorp, Inc. (PBHC), is a Micro Cap company, in the Banks - Regional industry, last closed at $15.45, about 76.4% undervalued vs fair value, -0.6% 1Y return, ranked 747/1037 in sector.
Metrics Rev Growth 71.6% ROE -2.8% Gross Margin 38.5%
USD 15.45
4.04%
(Delayed)
• Vol 90d: 40.6%
52-Week Range
Market Cap
$92.90M
Enterprise Value
$188.61M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.pathfinderbank.com
HQ Oswego, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $15.45 +76% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$77.7M
15.9%%
Interest Expense
$32.3M
Net Interest Income
$40.4M
5.3%%
Total Revenue
$79.1M
71.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.1%
Poor

Net Income / Equity - key bank profitability metric

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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pathfinder Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
22
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
12
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PBHC's balance between Growth (26.0%), Profitability (29.8%), and Safety (44.3%). Growth 26% Safety 44% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
NII Growth YoY 5.3% 62p Equity Growth YoY 1.7% 19p Asset Growth YoY -3.4% 9p EPS Growth YoY -64.1% 10p
Strengths
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (1.7%)
  • Asset Growth YoY in bottom 20% of peers (-3.4%)
  • EPS Growth YoY in bottom 20% of peers (-64.1%)

Profitability

32th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pathfinder Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.25
- - -
+76.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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