PBHC Stock Forecast, Price Targets, Chart, Dividends & Analysis
Pathfinder Bancorp Inc.
PBHC 
NSC
Sector: Financial Services
Industry: Savings & Cooperative Banks
17.61
USD
0.36
(2.09%)
Previous close: 17.25 Open: 17.25 Bid: 6.76 Ask: 27.0
52 week range
11.41 19.86
Mkt Cap: 106 M Avg Vol (90 Days): 82,035
Last updated: Sunday 22nd December 2024
Metrics
Valuation
Price per Sales TTM ($) | 3.08 |
Price per Book TTM ($) | 0.91 |
PE Ratio (TTM) | 12.00 |
Book Value per Share ($) | 19.71 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -1.73% | |
1 Month Return | -1.62% | |
3 Month Return | 13.07% | |
1 Year Return | 30.12% | |
3 Year Return | 12.25% | |
5 Year Return | 42.79% | |
YTD Return | 25.70% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 52.04 |
14 Day SMA ($) | 17.41 |
14 Day EMA ($) | 17.46 |
Money Flow Index | 47.71 |
Average True Range | 1.10 |
50 Day SMA ($) | 17.42 |
200 Day SMA ($) | 14.78 |
ADX | 0.00 |
MACD | 0.40 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
PBHC Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | 95000.0 | 130000.0 | 16000.0 | 208000.0 | 291000.0 | 180000.0 | ||||
| Basic EPS from continuing operations | 0.64 | 0.67 | 0.79 | 0.86 | 0.97 | 0.8 | 1.17 | 4.14 | 4.26 | 3.02 |
| Basic EPS total | 0.64 | 0.67 | 0.79 | 0.86 | 0.97 | 0.8 | 1.17 | 4.14 | 4.26 | 1.16 |
| Basic weighted shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 3 M | 3 M | 3 M |
| CreditLossesProvision | 1 M | 1 M | 953000.0 | 2 M | 1 M | 2 M | 5 M | 1 M | 3 M | 3 M |
| Depreciation | -1 M | -1 M | -1 M | -2 M | 2 M | 2 M | 1 M | 1 M | ||
| Depreciation unreconciled | 23000.0 | |||||||||
| DepreciationAndAmortization | -1 M | -1 M | -1 M | 23000.0 | 2 M | 2 M | 1 M | 1 M | ||
| Diluted EPS total | 0.63 | 0.66 | 0.78 | 0.83 | 0.94 | 0.8 | 1.17 | 4.14 | 4.26 | 1.16 |
| Diluted normalized net income/share | 0.63 | 0.66 | 0.78 | 0.83 | 0.94 | 0.8 | 1.17 | 4.14 | 3.02 | |
| Diluted weighted shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 3 M | 3 M | 3 M |
| DividendIncome | 160000.0 | 178000.0 | 134000.0 | 229000.0 | 259000.0 | 279000.0 | 324000.0 | 309000.0 | 229000.0 | 573000.0 |
| Dividends paid per share | 0.06 | 0.12 | 0.2 | 0.22 | 0.24 | 0.24 | 0.24 | 0.28 | 0.34 | 0.36 |
| FeesAndCommissions | 3 M | 3 M | 3 M | 3 M | ||||||
| GeneralAndAdministrativeExpense | 2 M | 3 M | 3 M | 2 M | 2 M | 3 M | 2 M | 2 M | 2 M | 3 M |
| ImpairmentOfCapitalAssets | 379 M | |||||||||
| Income before tax | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M | 8 M | 16 M | 16 M | 12 M |
| Income taxes | 2 M | 1 M | 1 M | 1 M | 1 M | 2 M | 1 M | 3 M | 3 M | 2 M |
| InsuranceAndClaims | 2 M | 2 M | 2 M | 1 M | 2 M | 2 M | 1 M | 2 M | 2 M | 2 M |
| InsuranceAndPremiums | 803000.0 | 840000.0 | 844000.0 | 955000.0 | 1 M | 1 M | 1 M | |||
| Interest expense | -3 M | -3 M | -4 M | -6 M | -9 M | -14 M | 11 M | 8 M | 10 M | 29 M |
| InterestExpenseForDeposit | 2 M | 2 M | 2 M | 4 M | 7 M | 11 M | 8 M | 5 M | 7 M | 23 M |
| InterestExpenseForLongTermDebt | 395000.0 | 257000.0 | 270000.0 | 595000.0 | 1 M | 2 M | 2 M | 1 M | 564000.0 | 850000.0 |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 395000.0 | 257000.0 | 270000.0 | 595000.0 | 1 M | 2 M | 2 M | 1 M | 564000.0 | 850000.0 |
| InterestExpenseForShortTermDebt | 263000.0 | 438000.0 | 1 M | 2 M | 1 M | 1 M | 1 M | 2 M | 2 M | 5 M |
| InterestIncome | 20 M | 21 M | 24 M | 29 M | 35 M | 42 M | 43 M | 46 M | 51 M | 68 M |
| InterestIncomeAfterProvisionForLoanLoss | 15 M | 16 M | 18 M | 20 M | 23 M | 24 M | 27 M | 37 M | 39 M | 36 M |
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 7000.0 | 21000.0 | 64000.0 | 156000.0 | 246000.0 | 304000.0 | 79000.0 | 9000.0 | 149000.0 | 295000.0 |
| InterestIncomeFromInvestmentSecurities | 3 M | 3 M | 3 M | 5 M | 6 M | 7 M | 7 M | 8 M | 12 M | 19 M |
| InterestIncomeFromLoans | 17 M | 18 M | 21 M | 24 M | 28 M | 34 M | 35 M | 37 M | 38 M | 47 M |
| InterestIncomeFromLoansAndLease | 17 M | 18 M | 21 M | 24 M | 28 M | 34 M | 35 M | 37 M | 38 M | 47 M |
| InterestIncomeFromSecurities | 3 M | 3 M | 3 M | 5 M | 6 M | 7 M | 7 M | 8 M | 12 M | 19 M |
| MinorityInterests | -56000.0 | -43000.0 | -26000.0 | 68000.0 | 22000.0 | -10000.0 | -96000.0 | -103000.0 | -101000.0 | -129000.0 |
| Net income from total operations | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 7 M | 12 M | 13 M | 9 M |
| NetIncomeCommonStockholders | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 7 M | 9 M | 10 M | 7 M |
| NetIncomeContinuousOperations | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 7 M | 12 M | 13 M | 9 M |
| NetInterestIncome | 16 M | 17 M | 19 M | 21 M | 24 M | 26 M | 32 M | 38 M | 41 M | 39 M |
| NetOccupancyExpense | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | 4 M |
| NonInterestExpense | -16 M | -18 M | -19 M | -21 M | -24 M | -26 M | 25 M | 27 M | 29 M | 29 M |
| NonInterestIncome | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 6 M | 6 M | 6 M | 5 M |
| Normalized income | 10 M | |||||||||
| OccupancyAndEquipment | 2 M | 2 M | 2 M | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | 4 M |
| Other special charges | -98000.0 | -157000.0 | -149000.0 | -166000.0 | -145000.0 | -240000.0 | -13 M | -13 M | -15 M | 219000.0 |
| OtherCustomerServices | 2 M | 2 M | 2 M | 2 M | ||||||
| OtherGandA | 2 M | 3 M | 3 M | 2 M | 2 M | 3 M | 2 M | 2 M | 2 M | 3 M |
| OtherInterestExpense | -3 M | -3 M | -4 M | -6 M | -9 M | -14 M | 11 M | 8 M | 10 M | 29 M |
| OtherNonInterestExpense | 2 M | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M | 4 M | 4 M | 4 M |
| OtherNonInterestIncome | 652000.0 | 435000.0 | 267000.0 | 3 M | 3 M | 3 M | 5 M | 5 M | 5 M | 4 M |
| OtherunderPreferredStockDividend | 95000.0 | 130000.0 | 16000.0 | 208000.0 | 291000.0 | 180000.0 | ||||
| PreferredStockDividends | 95000.0 | 130000.0 | 16000.0 | 208000.0 | 291000.0 | 180000.0 | ||||
| ProfessionalExpenseAndContractServicesExpense | 623000.0 | 859000.0 | 834000.0 | 952000.0 | 1 M | 1 M | 1 M | 2 M | 2 M | 2 M |
| PromotionAndAdvertising | 537000.0 | 518000.0 | 730000.0 | 809000.0 | 920000.0 | 962000.0 | 941000.0 | 1 M | 905000.0 | 671000.0 |
| Revenue per share | -14000.0 | -14000.0 | -34000.0 | -34000.0 | -12000.0 | 23000.0 | 54000.0 | 69000.0 | 75000.0 | 84000.0 |
| SalariesAndWages | 9 M | 10 M | 11 M | 12 M | 13 M | 14 M | 13 M | 14 M | 16 M | 16 M |
| SecuritiesActivities | 422000.0 | 456000.0 | 29000.0 | |||||||
| Selling Gen & administrative expense | 12 M | 13 M | 14 M | 14 M | 16 M | 17 M | 16 M | 18 M | 19 M | 19 M |
| SellingAndMarketingExpense | 537000.0 | 518000.0 | 730000.0 | 809000.0 | 920000.0 | 962000.0 | 941000.0 | 1 M | 905000.0 | 671000.0 |
| ServiceChargeOnDepositorAccounts | 1 M | 1 M | 1 M | 1 M | ||||||
| Special income/charges | -2 M | -2 M | -2 M | -3 M | -3 M | -4 M | -4 M | -4 M | -4 M | -4 M |
| Total common shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 5 M | 6 M | 6 M | 6 M |
| Total net income | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 7 M | 12 M | 13 M | 9 M |
| Total ordinary shares | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M | 5 M |
| Total revenues | 20 M | 22 M | 24 M | 25 M | 28 M | 31 M | 38 M | 45 M | 47 M | 43 M |
| TotalPremiumsEarned | 803000.0 | 840000.0 | 844000.0 | 955000.0 | 1 M | 1 M | 1 M | |||
| TotalRevenue | 20 M | 22 M | 24 M | 25 M | 28 M | 31 M | 38 M | 45 M | 47 M | 43 M |
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