Pathfinder Bancorp Stock Buy Hold or Sell Recommendation
| PBHC Stock | USD 12.25 0.06 0.49% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Pathfinder Bancorp is 'Sell'. Macroaxis provides Pathfinder Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding PBHC positions. The advice algorithm takes into account all of Pathfinder Bancorp's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Pathfinder Bancorp's buy or sell advice are summarized below:
Real Value 10.48 | Hype Value 12.14 | Market Value 12.25 | Naive Value 12.45 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Pathfinder Bancorp given historical horizon and risk tolerance towards Pathfinder Bancorp. When Macroaxis issues a 'buy' or 'sell' recommendation for Pathfinder Bancorp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Pathfinder |
Execute Pathfinder Bancorp Buy or Sell Advice
The Pathfinder recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Pathfinder Bancorp. Macroaxis does not own or have any residual interests in Pathfinder Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Pathfinder Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Sell
Market Performance | Very Weak | Details | |
Volatility | Somewhat reliable | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Pathfinder Bancorp Trading Alerts and Improvement Suggestions
| Pathfinder Bancorp generated a negative expected return over the last 90 days | |
| About 28.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from news.google.com: Pathfinder Bancorp Stock Price Crosses Below 200-Day Moving Average of 12.93 - Defense World |
Pathfinder Bancorp Returns Distribution Density
The distribution of Pathfinder Bancorp's historical returns is an attempt to chart the uncertainty of Pathfinder Bancorp's future price movements. The chart of the probability distribution of Pathfinder Bancorp daily returns describes the distribution of returns around its average expected value. We use Pathfinder Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Pathfinder Bancorp returns is essential to provide solid investment advice for Pathfinder Bancorp.
| Mean Return | -0.06 | Value At Risk | -4.73 | Potential Upside | 4.07 | Standard Deviation | 2.70 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Pathfinder Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Pathfinder Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Pathfinder Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Pathfinder Bancorp backward and forwards among themselves. Pathfinder Bancorp's institutional investor refers to the entity that pools money to purchase Pathfinder Bancorp's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2023-12-31 | 11.9 K | Bridgeway Capital Management, Llc | 2023-12-31 | 10.2 K | Blackrock Inc | 2023-12-31 | 9.1 K | Rockbridge Investment Management, Llc | 2023-12-31 | 2.1 K | Tower Research Capital Llc | 2023-12-31 | 992 | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 526 | Royal Bank Of Canada | 2023-12-31 | 215 | Wells Fargo & Co | 2023-12-31 | 18.0 | Creative Planning Inc | 2023-12-31 | 0.0 | Minerva Advisors Llc | 2023-12-31 | 256.6 K | Alliancebernstein L.p. | 2023-12-31 | 238.8 K |
Pathfinder Bancorp Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (6.2M) | 23.3M | (6.3M) | (1.9M) | 13.5M | 14.1M | |
| Free Cash Flow | 4.5M | 45.3M | 18.9M | 16.5M | 13.2M | 13.9M | |
| Depreciation | 1.5M | 1.4M | 1.8M | 1.1M | 1.4M | 1.1M | |
| Other Non Cash Items | 2.1M | 35.2M | 4.7M | 4.9M | 11.2M | 11.7M | |
| Dividends Paid | 1.2M | 1.4M | 1.6M | 2.0M | 2.2M | 2.3M | |
| Capital Expenditures | 3.6M | 1.3M | 1.2M | 5.2M | 2.0M | 1.8M | |
| Net Income | 4.3M | 7.0M | 12.4M | 12.9M | 2.1M | 3.2M | |
| End Period Cash Flow | 20.2M | 43.5M | 37.1M | 35.3M | 48.7M | 51.2M | |
| Investments | (162.8M) | (149.2M) | (54.5M) | (131.2M) | (27.7M) | (29.1M) | |
| Net Borrowings | 44.6M | (24.8M) | 13.9M | (15.0M) | (13.5M) | (12.8M) | |
| Change To Netincome | 2.7M | 40.9M | 4.4M | 5.3M | 6.1M | 5.8M |
Pathfinder Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Pathfinder Bancorp or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Pathfinder Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Pathfinder stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.07 | |
β | Beta against NYSE Composite | -0.03 | |
σ | Overall volatility | 2.73 | |
Ir | Information ratio | -0.06 |
Pathfinder Bancorp Volatility Alert
Pathfinder Bancorp exhibits very low volatility with skewness of -0.73 and kurtosis of 2.1. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Pathfinder Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Pathfinder Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Pathfinder Bancorp Fundamentals Vs Peers
Comparing Pathfinder Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Pathfinder Bancorp's direct or indirect competition across all of the common fundamentals between Pathfinder Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Pathfinder Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Pathfinder Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Pathfinder Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Pathfinder Bancorp to competition |
| Fundamentals | Pathfinder Bancorp | Peer Average |
| Return On Equity | 0.0813 | -0.31 |
| Return On Asset | 0.0066 | -0.14 |
| Profit Margin | 0.23 % | (1.27) % |
| Operating Margin | 0.34 % | (5.51) % |
| Current Valuation | 233.18 M | 16.62 B |
| Shares Outstanding | 4.72 M | 571.82 M |
| Shares Owned By Insiders | 28.17 % | 10.09 % |
| Shares Owned By Institutions | 27.47 % | 39.21 % |
| Number Of Shares Shorted | 3.37 K | 4.71 M |
| Price To Earning | 15.34 X | 28.72 X |
| Price To Book | 0.64 X | 9.51 X |
| Price To Sales | 1.86 X | 11.42 X |
| Revenue | 72.85 M | 9.43 B |
| Gross Profit | 44.56 M | 27.38 B |
| EBITDA | (129 K) | 3.9 B |
| Net Income | 2.08 M | 570.98 M |
| Cash And Equivalents | 43.75 M | 2.7 B |
| Cash Per Share | 7.36 X | 5.01 X |
| Total Debt | 211.6 M | 5.32 B |
| Debt To Equity | 7.80 % | 48.70 % |
| Book Value Per Share | 19.65 X | 1.93 K |
| Cash Flow From Operations | 15.2 M | 971.22 M |
| Short Ratio | 1.28 X | 4.00 X |
| Earnings Per Share | 1.51 X | 3.12 X |
| Number Of Employees | 161 | 18.84 K |
| Beta | 0.13 | -0.15 |
| Market Capitalization | 74.36 M | 19.03 B |
| Total Asset | 1.47 B | 29.47 B |
| Retained Earnings | 76.06 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 1.72 % | |
| Net Asset | 1.47 B | |
| Last Dividend Paid | 0.36 |
Note: Insider Trading [view details]
Pathfinder Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Pathfinder . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Daily Balance Of Power | 9.2 T | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 12.25 | |||
| Day Typical Price | 12.25 | |||
| Price Action Indicator | 0.03 | |||
| Period Momentum Indicator | 0.06 |
About Pathfinder Bancorp Buy or Sell Advice
When is the right time to buy or sell Pathfinder Bancorp? Buying financial instruments such as Pathfinder Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 109.1M | 152.6M | 211.6M | 222.2M | Total Assets | 1.3B | 1.4B | 1.5B | 1.5B |
Use Investing Ideas to Build Portfolios
In addition to having Pathfinder Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Electronics Thematic Idea Now
Electronics
Companies manufacturing electronic appliances and goods. The Electronics theme has 45 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Electronics Theme or any other thematic opportunities.
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Check out Pathfinder Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.Note that the Pathfinder Bancorp information on this page should be used as a complementary analysis to other Pathfinder Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the FinTech Suite module to use AI to screen and filter profitable investment opportunities.
Complementary Tools for Pathfinder Stock analysis
When running Pathfinder Bancorp's price analysis, check to measure Pathfinder Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pathfinder Bancorp is operating at the current time. Most of Pathfinder Bancorp's value examination focuses on studying past and present price action to predict the probability of Pathfinder Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pathfinder Bancorp's price. Additionally, you may evaluate how the addition of Pathfinder Bancorp to your portfolios can decrease your overall portfolio volatility.
| Idea Breakdown Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes | |
| Efficient Frontier Plot and analyze your portfolio and positions against risk-return landscape of the market. | |
| Instant Ratings Determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance | |
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| Portfolio Volatility Check portfolio volatility and analyze historical return density to properly model market risk | |
| Investing Opportunities Build portfolios using our predefined set of ideas and optimize them against your investing preferences | |
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| Portfolio Optimization Compute new portfolio that will generate highest expected return given your specified tolerance for risk |
Is Pathfinder Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.29) | Dividend Share 0.36 | Earnings Share 1.51 | Revenue Per Share 6.826 | Quarterly Revenue Growth (0.08) |
The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.