Pathfinder Bancorp Stock Today
| PBHC Stock | USD 12.01 0.13 1.07% |
Performance0 of 100
| Odds Of DistressLess than 8
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Pathfinder Bancorp is trading at 12.01 as of the 19th of April 2024, a -1.07 percent decrease since the beginning of the trading day. The stock's open price was 12.14. Pathfinder Bancorp has only a 8 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. Equity ratings for Pathfinder Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 19th of February 2024 and ending today, the 19th of April 2024. Click here to learn more.
Business Domain Banks | IPO Date 30th of May 1996 | Category Financial Services | Classification Financials |
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. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York. The company has 4.72 M outstanding shares of which 3.37 K shares are at this time shorted by private and institutional investors with about 1.28 trading days to cover. More on Pathfinder Bancorp
Moving together with Pathfinder Stock
| 0.63 | BY | Byline Bancorp Earnings Call This Week | PairCorr |
Moving against Pathfinder Stock
| 0.58 | KB | KB Financial Group Earnings Call This Week | PairCorr |
| 0.56 | TFC-PI | Truist Financial | PairCorr |
| 0.55 | WF | Woori Financial Group Financial Report 21st of May 2024 | PairCorr |
| 0.52 | VBFC | Village Bank | PairCorr |
| 0.43 | CFG-PD | Citizens Financial | PairCorr |
| 0.42 | TECTP | Tectonic Financial | PairCorr |
Follow Valuation Profit Patterns Odds of Bankruptcy
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Pathfinder Stock Highlights
Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Pathfinder Bancorp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Pathfinder Bancorp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
| CEO President | CPA CPA | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Business Concentration | Regional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Financial Strength Based on the analysis of Pathfinder Bancorp's profitability, liquidity, and operating efficiency, Pathfinder Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in May. Financial strength of Pathfinder Bancorp is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
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Pathfinder Bancorp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Pathfinder Bancorp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Pathfinder Bancorp's financial leverage. It provides some insight into what part of Pathfinder Bancorp's total assets is financed by creditors.
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Pathfinder Bancorp (PBHC) is traded on NASDAQ Exchange in USA. It is located in 214 West First Street, Oswego, NY, United States, 13126 and employs 161 people. Pathfinder Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Micro-Cap' category with a current market capitalization of 74.67 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Pathfinder Bancorp's market, we take the total number of its shares issued and multiply it by Pathfinder Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Pathfinder Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 4.72 M outstanding shares of which 3.37 K shares are at this time shorted by private and institutional investors with about 1.28 trading days to cover.
Pathfinder Bancorp currently holds about 43.75 M in cash with 15.2 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.36.
Check Pathfinder Bancorp Probability Of Bankruptcy
Ownership AllocationThe market capitalization of Pathfinder Bancorp is currently $74.67 Million. Pathfinder Bancorp has significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Since such a large part of the company is owned by insiders, it is advisable to analyze if each of these insiders have been buying or selling the stock in recent months. Please note that no matter how profitable the entity is or how many assets it hold, if the real value is less than what market suggests, you will most likely generate negative returns and should consider selling it at some point.
Check Pathfinder Ownership Details
Pathfinder Stock Price Odds Analysis
What are Pathfinder Bancorp's target price odds to finish over the current price? Based on a normal probability distribution, the odds of Pathfinder Bancorp jumping above the current price in 90 days from now is about 72.57%. The Pathfinder Bancorp probability density function shows the probability of Pathfinder Bancorp stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Pathfinder Bancorp has a beta of 0.0589 indicating as returns on the market go up, Pathfinder Bancorp average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding Pathfinder Bancorp will be expected to be much smaller as well. Additionally, pathfinder Bancorp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
Based on a normal probability distribution, the odds of Pathfinder Bancorp to move above the current price in 90 days from now is about 72.57 (This Pathfinder Bancorp probability density function shows the probability of Pathfinder Stock to fall within a particular range of prices over 90 days) .
Pathfinder Stock Institutional Holders
Institutional Holdings refers to the ownership stake in Pathfinder Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Pathfinder Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Pathfinder Bancorp's value.| Instituion | Recorded On | 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 Historical Income Statement
Pathfinder Bancorp Income Statement is one of the three primary financial statements used for reporting Pathfinder's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Pathfinder Bancorp revenue and expense. Pathfinder Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At present, Pathfinder Bancorp's Total Revenue is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit is expected to grow to about 76.4 M, whereas Depreciation And Amortization is forecasted to decline to about 1.1 M. View More FundamentalsPathfinder Stock Against Markets
Picking the right benchmark for Pathfinder Bancorp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Pathfinder Bancorp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Pathfinder Bancorp is critical whether you are bullish or bearish towards Pathfinder Bancorp at a given time. Please also check how Pathfinder Bancorp's historical prices are related to one of the top price index indicators.
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Our tools can tell you how much better you can do entering a position in Pathfinder Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.Did you try this?
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Pathfinder Bancorp Corporate Management
Elected by the shareholders, the Pathfinder Bancorp's board of directors comprises two types of representatives: Pathfinder Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Pathfinder. The board's role is to monitor Pathfinder Bancorp's management team and ensure that shareholders' interests are well served. Pathfinder Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Pathfinder Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Heather Bush | Vice Resources | Profile | |
| William OBrien | Chief VP | Profile | |
| Walter CPA | CFO VP | Profile | |
| Roberta Davis | Vice Analyst | Profile | |
| Daniel Phillips | Senior Officer | Profile |
How to buy Pathfinder Stock?
Before investing in Pathfinder Bancorp, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Pathfinder Bancorp. To buy Pathfinder Bancorp stock, you can follow these steps:- Choose a brokerage firm: You need to select a brokerage firm to buy shares of Pathfinder Bancorp. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
- Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
- Fund your account: You will need to deposit funds into your brokerage account to purchase Pathfinder Bancorp stock. You can do this by transferring funds from your bank account or other investment accounts.
- Place your order: Once you have located Pathfinder Bancorp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
- Monitor your investment: After you have purchased Pathfinder Bancorp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Pathfinder Bancorp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Pathfinder Stock please use our How to Invest in Pathfinder Bancorp guide.
Already Invested in Pathfinder Bancorp?
The danger of trading Pathfinder Bancorp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Pathfinder Bancorp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Pathfinder Bancorp. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Pathfinder Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock: Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in rate. 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 Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .
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.
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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.