Pathfinder Bancorp, Inc operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York.
infoPathfinder Bancorp is a micro cap stock with a total market cap of 83.42M.
infoThey trade on the NASDAQ and had their IPO 27 years and 7 months ago.
infoPathfinder Bancorp currently employs 162 people.
infoAs of Friday, Jun 23 2023, Pathfinder Bancorp’s share price is $13.78.
News Relating to Pathfinder Bancorp
GlobeNewsWire
Pathfinder Bancorp, Inc. Declares Dividend
Monday Sep 27 2021 at 09:45
OSWEGO, N.Y., Sept. 27, 2021 (GLOBE NEWSWIRE) — Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the Company’s voting common and non-voting common stock, and a cash dividend of $0.07 per notional share for the issued warrant relating to the fiscal quarter ending September 30th, 2021. The dividend will be payable to all shareholders of record on October 15th, 2021 and will be paid on November 5th, 2021.
GlobeNewsWire
Pathfinder Bancorp, Inc. Announces Second Quarter 2021 Quarterly Net Income of $3.0 Million, an Increase of 63.4% over 2020
Monday Aug 02 2021 at 16:30
Year-To-Date Net Income Up 46.2% Over 2020
GlobeNewsWire
Pathfinder Bancorp, Inc. Declares Dividend
Monday Jun 28 2021 at 14:31
OSWEGO, N.Y., June 28, 2021 (GLOBE NEWSWIRE) — Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the Company’s voting common and non-voting common stock, and a cash dividend of $0.07 per notional share for the issued warrant relating to the fiscal quarter ending June 30th, 2021. The dividend will be payable to all shareholders of record on July 16th, 2021 and will be paid on August 13th, 2021.
GlobeNewsWire
Pathfinder Bancorp, Inc. Revises 2020 Pretax Net Income and Related Financial Information at and for the Year Ended December 31, 2020
Monday Mar 29 2021 at 16:40
Decrease in Pretax Net Income Offset by a Reduction in Income Tax Expense No Change to Originally Reported Net Income or Earnings Per Share Calculations
GlobeNewsWire
Pathfinder Bancorp, Inc. Declares Dividend
Monday Mar 29 2021 at 16:15
OSWEGO, N.Y., March 29, 2021 (GLOBE NEWSWIRE) — Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.07 per share on the Company’s common and preferred stock, and a cash dividend of $0.07 per notional share for the issued warrant relating to the fiscal quarter ending March 31st, 2021. The dividend will be payable to all shareholders of record on April 15th, 2021 and will be paid on May 7th, 2021.
GlobeNewsWire
Pathfinder Bancorp, Inc. Announces Fourth Quarter 2020 Net Income of $1.9 Million and Full Year Net Income of $7.0 Million
Monday Feb 01 2021 at 17:01
Continued Loan and Deposit Growth, Effective Noninterest Expense Management and Reduced Funding Costs Continued Loan and Deposit Growth, Effective Noninterest Expense Management and Reduced Funding Costs
GlobeNewsWire
Pathfinder Bancorp, Inc. Declares Dividend
Monday Dec 21 2020 at 13:00
OSWEGO, N.Y., Dec. 21, 2020 (GLOBE NEWSWIRE) — Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.06 per share on the Company’s common and preferred stock, and a cash dividend of $0.06 per notional share for the issued common stock warrant relating to the fiscal quarter ending December 31st, 2020. The dividend will be payable to all shareholders of record on January 15th, 2021 and will be paid on February 5th, 2021.
GlobeNewsWire
Pathfinder Bancorp, Inc. Announces Third Quarter 2020 Net Income of $1.5 Million
Tuesday Nov 10 2020 at 16:15
Net Income of $ 5.0 Million for First Nine M onths of 2020
https://www.thelincolnianonline.com
Pathfinder Bancorp (NASDAQ:PBHC) Stock Price Crosses Above 50-Day Moving Average of $9.85
Tuesday Sep 22 2020 at 03:36
Pathfinder Bancorp Inc (NASDAQ:PBHC)’s share price crossed above its 50 day moving average during trading on Monday . The stock has a 50 day moving average of $9.85 and traded as high as $11.03. Pathfinder Bancorp shares last traded at $11.00, with a volume of 811 shares. Separately, ValuEngine downgraded shares of Pathfinder Bancorp from […]
http://www.globenewswire.com
Pathfinder Bancorp, Inc. Declares Dividend
Monday Sep 21 2020 at 00:00
OSWEGO, N.Y., Sept. 21, 2020 (GLOBE NEWSWIRE) — Thomas W. Schneider, President/CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder…
Pathfinder Bancorp Bankruptcy Risk
Derived from SEC.GOV filing dataopen_in_new
The Altman Z-score is a formula that measures a company’s financial health and bankruptcy risk. It assigns a numerical score based on various financial ratios. The Z-score is divided into different zones. If the Z-score is above 2.99, it indicates a lower bankruptcy risk, classifying the company as ‘safe’ or ‘non-distressed’. If the score falls below 1.81, it suggests a higher risk, indicating potential financial distress or bankruptcy. The range between 1.81 and 2.99 is called the ‘gray zone’ or zone of ambiguity.
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Pathfinder Bancorp’s Altman Z-score is 0.52 which is in the distress zone. This indicates a higher risk of financial distress and potential bankruptcy for the company. It can serve as a warning sign of significant financial challenges, requiring careful consideration by potential investors.
Pathfinder Bancorp Insider Trading
Derived from SEC.GOV filing dataopen_in_new
Insider trading is when individuals employed by a company buy or sell its securities following legal procedures and regulations. Company executives, directors, and employees may be permitted to buy or sell shares if they follow specific rules, such as filing a Form 4 with the SEC within two business days.
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Over the last 3 months, 3 insiders have bought $122.85K of common stock in Pathfinder Bancorp on the stock market with no insider selling.
Debt & Income Analysis
Derived from SEC.GOV filing dataopen_in_new
Income quality measures a company’s operating cash flow to net income ratio. It helps investors and analysts assess the sustainability of a company’s earnings. A high QIR indicates strong cash flows, while a low QIR may indicate non-operating activities driving net income.
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Pathfinder Bancorp’s Income Quality of 1.88 is greater than its Industry Group of 1.34 (40.3% greater)
Pathfinder Bancorp’s Income Quality of 1.88 is greater than its Major Industry Group of 1.34 (40.3% greater)
Pathfinder Bancorp’s Income Quality of 1.88 is greater than its Sector of 1.17 (60.7% greater)
Derived from SEC.GOV filing dataopen_in_new
Current ratio measures a company’s ability to pay off short-term debt with its current assets (assets that a company expects to use up or convert to cash within a year). It represents the $ amount of current assets a company has for every $1 of short-term debt. A high current ratio above 1.0 indicates that a company can meet its short-term obligations, while a low current ratio below 1.0 suggests difficulty.
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Pathfinder Bancorp’s Current Ratio of 8.46 is greater than its Industry Group of 7.47 (13.3% greater)
Pathfinder Bancorp’s Current Ratio of 8.46 is in line with its Major Industry Group of 9.19 (-7.9% lower)
Pathfinder Bancorp’s Current Ratio of 8.46 is greater than its Sector of 2.34 (261.5% greater)
Value Analysis
Derived from SEC.GOV filing dataopen_in_new
PE ratio (price-to-earnings), measures a company’s stock price relative to its earnings per share. It helps investors evaluate whether its stock is overvalued or undervalued. A higher PE ratio indicates that investors are willing to pay more for a company’s earnings, while a lower PE ratio (above zero) suggests the company could be undervalued.
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Pathfinder Bancorp’s PE Ratio of 6.63 is in line with its Industry Group of 7.28 (-8.9% lower)
Pathfinder Bancorp’s PE Ratio of 6.63 is lower than its Major Industry Group of 7.51 (-11.7% lower)
Pathfinder Bancorp’s PE Ratio of 6.63 is lower than its Sector of 8.54 (-22.4% lower)
Derived from SEC.GOV filing dataopen_in_new
The PB ratio (price-to-book), measures a company’s stock price relative to its book value (net value of a company’s assets reported on its balance sheet, after subtracting debt) per share. It is used to evaluate a company’s valuation, with a lower PB ratio (above zero) indicating a lower valuation and a higher PB ratio suggesting overvaluation.
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Pathfinder Bancorp’s PB Ratio of 0.75 is in line with its Industry Group of 0.73 (2.7% greater)
Pathfinder Bancorp’s PB Ratio of 0.75 is in line with its Major Industry Group of 0.7 (7.1% greater)
Pathfinder Bancorp’s PB Ratio of 0.75 is lower than its Sector of 0.93 (-19.4% lower)
Efficiency Analysis
Derived from SEC.GOV filing dataopen_in_new
ROE (Return on Equity), is a financial ratio that measures a company’s profitability relative to its shareholders’ equity (the amount of value in a company that belongs to the people who own shares). It indicates how efficiently a company generates profits per unit of equity invested. A high ROE suggests effective use of equity, while a low ROE indicates inefficiency.
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Pathfinder Bancorp’s ROE of 0.11 is in line with its Industry Group of 0.1 (10.0% greater)
Pathfinder Bancorp’s ROE of 0.11 is in line with its Major Industry Group of 0.1 (10.0% greater)
Pathfinder Bancorp’s ROE of 0.11 is greater than its Sector of 0.07 (57.1% greater)
Derived from SEC.GOV filing dataopen_in_new
ROCE (Return on Capital Employed), is a financial ratio that measures a company’s profitability relative to the amount of capital invested in its operations. It indicates how well a company is generating profits from its capital investments. A high ROCE suggests effective use of capital, while a low ROCE indicates inefficiency.
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Pathfinder Bancorp’s ROCE of 0.02 is in line with its Industry Group of 0.02
Pathfinder Bancorp’s ROCE of 0.02 is in line with its Major Industry Group of 0.02
Pathfinder Bancorp’s ROCE of 0.02 is in line with its Sector of 0.02