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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 $16.72, about 57.1% undervalued vs fair value, +11.3% 1Y return, ranked 581/1078 in sector.
Metrics Rev Growth 1.9% ROE -1.6% Gross Margin 64.9% Div Yield 2.82%
USD 16.72
-0.42%
(Delayed)
• Vol 90d: 29.2%
52-Week Range
Market Cap
$105.00M
Enterprise Value
$242.48M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 6

Fair Value Snapshot

Bear Base Bull
$15
$26
$49
Current: $16.72 +57% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$76.4M
-1.7%%
Interest Expense
$32.3M
Net Interest Income
$44.1M
9.2%%
Total Revenue
$47.0M
1.9%%
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
-1.2%
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
17
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.84).

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.06).
  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.19).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (26.9%), Profitability (30.7%), and Safety (42.4%). Growth 27% Safety 42% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

20th percentile vs peers
21
Key Signals
NII Growth YoY 9.2% 47p Equity Growth YoY 0.8% 14p Asset Growth YoY -3.3% 7p EPS Growth YoY -1.56 4p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 20)
  • Equity Growth YoY in bottom 20% of peers (0.8%)
  • Asset Growth YoY in bottom 20% of peers (-3.3%)
  • EPS Growth YoY in bottom 20% of peers (-1.56)

Profitability

23th percentile vs peers
24
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
33
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
$26.27
- - -
+57.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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