Pathfinder Bancorp, Inc.

PBHCNasdaqCM·Financial Services

$16.01▲ +0.00 (+0.00%)

Market openData as of 01:10 PM ET · 15-min delay

Analyst ratingnone

Every calculator, already run for PBHC

What is it worth?

P/E calculatorHow does this multiple compare to peers and its own history?1601.0x DCF calculatorTen years of free cash flow, discounted back to today.Run →Reverse DCFSolves the price backwards for the growth it already requires.Run →EV / EBITDAThe price with debt added and cash netted off.Run →PEG ratioThe multiple divided by the growth meant to justify it.33.99 Graham numberGraham's ceiling from earnings and book value.$2 P/S ratioFor companies whose earnings are not the point yet.3.0x Intrinsic valueDCF, multiples and Graham run together as one range.$2

Is it any good?

ROIC calculatorWhether a dollar invested earns more than it costs.Run →Altman Z-scoreFive balance-sheet ratios weighted into a distress score.0.15 · distress Piotroski F-scoreNine pass-fail tests on profit, leverage and efficiency.4 of 7 Debt to equityHow much of the balance sheet is borrowed.0.72 Interest coverageHow many times operating profit covers the interest bill.Run →Profit marginGross, operating and net, each against the sector.0.4% net Free cash flowOperating cash after the capex needed to keep going.Run →Rule of 40Revenue growth plus margin, the software health line.

What does it return & pay?

ROE calculatorProfit against the equity shareholders left in.0.1%EPS growthEarnings per share compounded over the filings.Run →CAGR calculatorCompound rate on revenue, earnings, cash or price.0% rev Dividend yieldWhat it pays, and whether free cash flow covers it.2.45%Net payout yieldDividends plus buybacks, less shares issued.2.4%Owner earningsBuffett's version: cash a buyer could actually take out.$10M

You have the numbers on PBHC. Get the argument.

A written report on which of these readings actually decide the outcome for Pathfinder Bancorp, Inc., what has to stay true for the price to work, and the specific thing that would break it. The first one is free.

Key market data

Market cap$100.52M

P/E (TTM)1601.0x

Forward P/E—

Beta—

EPS (TTM)$0.01

Dividend yield2.45%

Volume63

Avg volume12.5K

52-week range

$12.06$17.40

Ownership & short interest

Institutions32.9%

Insiders22.9%

Short % float0.3%

Shares out$4.90M

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty…

Financial ServicesBanks - RegionalUnited States

PBHC — frequently asked

Is PBHC a buy right now?

Wall Street's consensus rating on Pathfinder Bancorp, Inc. is none. Ratings are a starting point — run the DCF and check the financial-health readings above before deciding.

Is PBHC overvalued?

PBHC trades at 1601.0x trailing earnings. Open the DCF or reverse-DCF tool to change the assumptions and see the range.

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Investor Guides For Pathfinder Bancorp, Inc.

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Equity Research ChecklistsThe financials diligence checklist worth running before you size anything Earnings Question BanksThe financials earnings questions that matter after the headline beat Valuation PlaybooksWhat deserves the multiple in financials Red Flag WatchlistsThe financials red flags that quietly wreck the thesis

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DCF model, five-year financials, moat assessment, a BUY/HOLD/SELL rating, and the risks that matter — on Pathfinder Bancorp, Inc., in minutes. 3 free reports included with every account — no credit card required.