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Pathfinder Bancorp Inc (MARYLAND)

PBHC

14.980USD

-0.100-0.66%

Close 11/04, 16:00（ET）Quotes delayed by 15 min

92.40MMarket Cap

53.54P/E TTM



Pathfinder Bancorp Inc (MARYLAND)

14.980

-0.100-0.66%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Pathfinder Bancorp Inc (MARYLAND)

Currency: USD Updated: 2025-11-04

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Pathfinder Bancorp Inc (MARYLAND)'s Score

Industry at a Glance

Industry Ranking

231 / 407

Overall Ranking

451 / 4616

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Pathfinder Bancorp Inc (MARYLAND) Highlights

StrengthsRisks

Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga countries and one limited purpose office in Oneida County.

Growing

The company is in a growing phase, with the latest annual income totaling USD 42.60M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 95.13%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 95.13%.

Fairly Valued

The company’s latest PB is 0.73, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 1.54M shares, increasing 2.70% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 40.91K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-04

The company's current financial score is 3.90, which is lower than the Banking Services industry's average of 7.05. Its financial status is weak, and its operating efficiency is low. Its latest quarterly revenue reached 11.45M, representing a year-over-year increase of 18.06%, while its net profit experienced a year-over-year increase of 98.35%.

Score

Industry at a Glance

Previous score

3.90

Change



Financials

5.25

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.42

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.57

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

4.19

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Pathfinder Bancorp Inc (MARYLAND)'s Company Valuation

Currency: USD Updated: 2025-11-04

The company’s current valuation score is 7.40, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 13.91, which is 441.01% below the recent high of 75.28 and 43.14% above the recent low of 7.91.

Score

Industry at a Glance

Previous score

7.40

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 231/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-04

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-04

The company’s current price momentum score is 7.16, which is lower than the Banking Services industry's average of 7.26. Sideways: Currently, the stock price is trading between the resistance level at 15.55 and the support level at 14.24, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.27

Change

-1.11

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.027

Sell

RSI(14)

46.655

Neutral

STOCH(KDJ)(9,3,3)

61.912

Sell

ATR(14)

0.313

High Vlolatility

CCI(14)

-52.331

Neutral

Williams %R

26.400

Buy

TRIX(12,20)

-0.065

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

15.064

Sell

MA10

15.029

Sell

MA20

15.115

Sell

MA50

15.151

Sell

MA100

15.003

Sell

MA200

15.521

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-04

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.28. The latest institutional shareholding proportion is 32.06%, representing a quarter-over-quarter decrease of 36.96%. The largest institutional shareholder is The Vanguard, holding a total of 40.91K shares, representing 0.85% of shares outstanding, with 7.39% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Castle Creek Capital LLC

468.49K

+14.29%

AllianceBernstein L.P.

353.66K

+12.16%

Pathfinder Bank ESOP

344.64K

-9.33%

Minerva Advisors LLC

262.20K

Gagas (Adam C)

192.26K

+1.65%

Oppenheimer + Close, LLC

91.92K

Barclay (William A)

86.25K

Fourthstone LLC

80.13K

Stemple (Lloyd)

71.57K

Sharkey (John F III)

51.54K

Risk Assessment

Currency: USD Updated: 2025-11-04

The company’s current risk assessment score is 4.45, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.10. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.