YOLFTbeta
Pathfinder Bancorp Inc

Pathfinder Bancorp Inc

PBHC · NASDAQ · Financial Services / Banks - Regional

17.05USD+0.35 (+2.08%)

Price History

Full chart

Market Stats

Previous Close16.70
Open16.96
Day Range16.69 – 17.05
52-Week Range11.89 – 18.30
Volume1.81K
Market Cap108.93M
P/E (TTM)1735.00
Forward P/E11.29
EPS0.01
Dividend Yield2.31%
Beta0.12
50-Day Avg16.46
200-Day Avg14.66

About

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, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James A. Dowd CPA
  • Employees172
  • Headquarters214 West First Street, Oswego, NY, United States, 13126, USA
  • Websitehttps://www.pathfinderbank.com

Leadership

  • Mr. James A. Dowd CPAPresident, CEO & Director · b. 1968
  • Mr. Justin K. Bigham CPAExecutive VP & CFO · b. 1974
  • Mr. Joseph F. SerbunSenior Vice President & Chief Credit Officer · b. 1961
  • Mr. Robert G. Butkowski Jr.Senior VP & COO · b. 1976
  • Mr. Joseph P. McManusSenior VP & Chief Information Officer · b. 1982
  • Mr. Joseph J. PolniakFirst VP, General Counsel & Corporate Secretary · b. 1983
  • Theresa L. ColburnVice President of Compliance/BSA Officer/OFAC
  • Erica MuscatelloVice President of Marketing and Communications
  • Heather L. VashawVice President of Human Resources
  • Mr. William D. O'BrienSenior VP & Chief Risk Officer · b. 1966

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.03M8.53M15.70M15.93M17.02M18.20M17.91M17.89M17.52M17.14M18.50M20.35M21.15M20.70M21.16M21.80M21.83M22.30M23.46M25.60M28.28M32.57M37.77M45.86M48.25M51.03M56.36M71.82M83.48M79.15M
Growth (%)-+6.18%+84.15%+1.46%+6.88%+6.92%-1.62%-0.08%-2.05%-2.21%+7.97%+9.98%+3.95%-2.17%+2.24%+3.01%+0.15%+2.16%+5.20%+9.11%+10.47%+15.17%+15.98%+21.42%+5.21%+5.77%+10.43%+27.44%+16.24%-5.19%
Cost of Revenue7.05M7.15M7.40M7.40M8.78M9.19M8.40M6.55M6.31M6.67M7.57M9.01M8.49M6.91M5.86M5.28M4.73M4.30M3.82M4.01M4.76M8.06M10.54M15.49M15.57M8.55M12.45M31.67M48.34M48.66M
Gross Profit979.34K1.37M8.30M8.53M8.25M9.01M9.51M11.35M11.21M10.47M10.94M11.34M12.66M13.79M15.30M16.52M17.09M18.00M19.64M21.59M23.52M24.51M27.23M30.36M32.68M42.48M43.91M40.15M35.14M30.49M
Gross Margin12.20%16.10%52.87%53.54%48.44%49.49%53.10%63.42%63.99%61.10%59.11%55.74%59.84%66.64%72.31%75.77%78.32%80.73%83.72%84.35%83.18%75.25%72.09%66.21%67.73%83.24%77.91%55.90%42.09%38.52%
Operating Expense-798.26K-1.24M6.60M7.18M7.70M6.86M7.96M9.09M9.31M10.06M9.67M9.84M12.19M11.13M11.79M13.15M13.52M14.75M15.69M17.59M19.11M20.16M22.67M24.91M24.34M26.47M28.22M28.36M29.98M34.58M
Operating Income1.78M2.62M1.70M1.35M552.17K2.15M1.54M2.25M1.91M411.00K1.27M1.51M471.00K2.67M3.51M3.37M3.58M3.25M3.95M4.00M4.41M4.34M4.55M5.45M8.34M16.01M15.69M11.78M5.16M-4.09M
Operating Margin22.14%30.69%10.83%8.48%3.24%11.79%8.62%12.59%10.88%2.40%6.86%7.40%2.23%12.88%16.60%15.45%16.39%14.58%16.86%15.64%15.59%13.34%12.06%11.89%17.29%31.37%27.84%16.41%6.18%-5.17%
EBITDA2.34M3.17M2.20M2.35M1.34M2.93M2.07M3.05M3.27M1.85M2.53M2.63M1.17M3.32M4.18M4.12M4.37M3.98M4.79M5.03M5.46M5.42M5.76M7.01M9.72M17.83M16.39M13.12M6.50M-1.94M
EBITDA Margin29.16%37.15%14.01%14.76%7.89%16.08%11.55%17.04%18.64%10.78%13.69%12.90%5.53%16.05%19.77%18.89%20.00%17.84%20.40%19.66%19.30%16.66%15.26%15.28%20.14%34.93%29.08%18.27%7.78%-2.45%
Net Income1.27M1.85M1.20M930.39K355.88K1.60M1.16M1.65M1.41M462.00K1.03M1.12M368.00K1.61M2.50M2.32M2.65M2.41M2.75M2.89M3.27M3.49M4.03M4.28M6.95M12.41M12.93M9.29M3.38M-3.42M
Net Income Margin15.84%21.75%7.64%5.84%2.09%8.80%6.46%9.23%8.02%2.70%5.56%5.51%1.74%7.80%11.84%10.66%12.13%10.79%11.70%11.29%11.57%10.72%10.67%9.32%14.40%24.31%22.95%12.94%4.05%-4.32%
R&D--------------0-00------------
R&D as % of Total Revenue--------------0.00%-0.00%0.00%------------
Interest Expense6.41M6.89M7.00M7.00M8.53M8.48M7.02M5.95M5.57M6.36M7.54M8.64M7.67M6.03M4.81M4.34M3.91M3.26M2.61M2.66M3.80M6.29M9.04M13.53M10.86M7.53M9.70M28.74M37.37M32.32M
Interest Expense % of Total Revenue79.88%80.84%44.59%43.95%50.12%46.62%39.22%33.24%31.80%37.09%40.76%42.46%36.28%29.13%22.72%19.92%17.90%14.64%11.14%10.38%13.45%19.31%23.94%29.50%22.52%14.76%17.20%40.02%44.76%40.83%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets189.94M196.77M203.40M216.30M231.85M244.37M279.06M277.94M302.04M296.95M301.38M320.69M352.76M371.69M408.55M442.98M477.80M503.79M561.02M623.25M749.03M881.26M933.12M1.09B1.23B1.29B1.40B1.47B1.47B1.43B
Total Liabilities168.55M173.22M181.00M196.20M211.39M222.33M255.83M256.16M280.21M276.02M280.53M298.99M333.26M342.45M377.95M405.14M437.05M461.08M492.23M552.45M691.11M819.53M868.66M1.00B1.13B1.17B1.29B1.35B1.35B1.30B
Total Equity21.39M23.58M22.30M20.10M20.96M22.18M23.23M21.78M21.83M20.93M20.85M21.70M19.50M29.24M30.59M37.84M40.75M42.71M68.79M70.81M57.93M61.72M64.22M90.43M97.46M110.29M111.00M119.50M121.48M120.97M
Cash8.35M4.33M6.50M4.30M4.16M7.59M13.74M8.71M14.32M7.89M13.72M10.21M7.68M14.63M13.76M12.22M10.66M17.07M11.36M15.24M22.42M21.99M26.32M20.16M43.46M37.15M35.28M48.73M31.57M11.52M
Total Debt8.10M18.67M18.70M42.90M47.23M49.44M47.86M45.96M40.52M36.52M31.52M43.56M57.13M41.16M46.16M31.23M40.12M46.01M71.25M56.29M73.97M88.95M133.63M110.90M123.97M109.70M152.57M211.60M136.51M107.23M
Net Debt-257.03K14.34M12.20M38.60M43.07M41.99M34.12M37.25M26.19M28.62M17.79M33.35M49.45M26.52M32.39M19.01M29.45M28.93M59.90M41.05M51.55M66.96M107.31M90.74M80.51M72.55M117.29M162.87M104.94M95.71M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.35M2.77M500.00K5.20M2.95M-3.23M4.02M3.40M2.38M10.62M2.44M2.92M3.50M1.10M4.38M4.01M2.77M5.11M5.03M6.31M6.37M6.84M8.98M8.12M46.56M20.15M21.73M15.43M11.21M11.28M
Investing Cash Flow-17.30M-10.42M-2.80M-22.00M-15.65M-3.07M-4.27M-5.59M-20.42M-12.29M-204.00K-23.40M-37.27M-11.81M-39.28M-37.80M-37.55M-21.44M-64.48M-61.48M-121.46M-133.94M-52.02M-162.81M-149.22M-69.95M-131.16M-54.79M-22.40M40.85M
Financing Cash Flow7.96M3.63M4.50M14.60M12.58M9.74M6.40M-2.83M23.65M-4.76M3.59M16.97M31.23M17.66M34.03M30.24M33.23M24.24M54.23M59.06M122.26M126.67M47.37M148.53M125.97M43.48M107.56M52.81M-5.97M-52.52M
Capital Expenditure813.09K571.07K1.00M800.00K314.10K783.33K911.27K1.57M1.52M1.14M318.00K944.00K341.00K383.00K2.93M1.99M192.00K2.26M2.36M2.63M1.36M1.98M5.69M3.60M1.26M1.21M5.21M1.97M8.33M1.26M
Free Cash Flow1.53M2.20M-500.00K4.40M2.63M-4.01M3.11M1.82M861.00K9.48M2.13M1.98M3.15M718.00K1.46M2.02M2.57M2.85M2.67M3.68M5.01M4.87M3.29M4.52M45.30M18.94M16.52M13.47M2.88M10.02M
Dividends Paid277.64K351.45K500.00K600.00K614.61K531.09K415.14K651.08K664.00K682.00K686.00K695.00K694.00K538.00K637.00K756.00K808.00K386.00K378.00K739.00K915.00K884.00K1.02M1.23M1.41M1.60M2.04M2.19M2.38M2.46M
FCF to OCF65.34%79.40%-100.00%84.62%89.35%124.26%77.35%53.74%36.16%89.30%86.99%67.72%90.25%65.21%33.21%50.30%93.06%55.72%53.03%58.30%78.62%71.13%36.63%55.71%97.29%93.99%76.03%87.26%25.66%88.82%
Dividend Paid to FCF18.11%15.97%-100.00%13.64%23.33%-13.24%13.34%35.68%77.12%7.19%32.25%35.10%22.00%74.93%43.75%37.48%31.39%13.55%14.18%20.09%18.27%18.16%31.16%27.19%3.12%8.45%12.33%16.24%82.68%24.56%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Nov 3, 2003Feb 6, 2004Apr 28, 2004Jul 28, 2004Oct 29, 2004Feb 22, 2005May 5, 2005Jul 28, 2005Nov 9, 2005Feb 7, 2006Apr 26, 2006Jul 31, 2006Oct 27, 2006Feb 6, 2007May 4, 2007Jul 27, 2007Nov 5, 2007Feb 5, 2008Apr 29, 2008Jul 22, 2008Nov 5, 2008Feb 18, 2009Apr 29, 2009Aug 6, 2009Nov 2, 2009Feb 12, 2010Apr 28, 2010Jul 23, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 28, 2016Jan 31, 2017Apr 28, 2017Jul 28, 2017Oct 27, 2017Feb 2, 2018Apr 27, 2018Jul 27, 2018Nov 2, 2018Feb 4, 2019Apr 26, 2019Jul 29, 2019Nov 1, 2019Feb 3, 2020May 18, 2020Aug 3, 2020Nov 10, 2020Feb 1, 2021May 3, 2021Aug 2, 2021Nov 2, 2021Feb 3, 2022May 2, 2022Aug 1, 2022Oct 31, 2022Jan 31, 2023May 2, 2023Aug 1, 2023Nov 1, 2023Feb 1, 2024Apr 29, 2024Jul 29, 2024Oct 30, 2024Jan 31, 2025Apr 30, 2025Jul 28, 2025Oct 28, 2025Dec 31, 2025Apr 28, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate-------------------------------------------------------------------------------------------------------------
EPS Actual0.080.080.050.060.04-0.150.070.060.060.080.100.120.070.080.120.130.080.080.080.130.090.050.040.060.03-0.010.060.070.040.080.040.040.070.120.080.07-0.200.140.140.010.130.090.120.110.140.070.110.070.060.090.150.130.150.120.200.120.130.120.150.170.190.120.160.200.180.150.200.200.230.190.190.220.220.170.240.220.230.260.120.140.220.330.290.310.250.330.360.480.430.490.940.540.540.59-0.010.330.350.420.35-0.01-0.760.70-0.010.010.10-0.28-0.010.42-
Surprise-------------------------------------------------------------------------------------------------------------
Timing--------------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-market-Pre-market--

Key Statistics & Ratios

Market Cap108.93M
Enterprise Value259.98M
Trailing P/E1735.00
Forward P/E11.29
PEG Ratio0.00
Price / Sales3.22
Price / Book0.91
EPS0.01
Book Value20.03
Revenue (TTM)33.79M
Gross Profit (TTM)33.79M
Profit Margin0.42%
Operating Margin29.40%
Return on Equity0.11%
Return on Assets0.01%
Shares Outstanding4.90M
Shares Float3.59M
Beta0.12
Dividend Yield2.31%
Dividend Rate0.40
Payout Ratio1.75%

Ownership Breakdown

Institutions
33.05%
Insiders
22.88%
Retail / Other
44.07%

Top Institutional Holders

  • AllianceBernstein L.P.
    473.76K7.55%
  • Minerva Advisors LLC
    262.20K4.18%
  • Vanguard Capital Management, LLC
    116.63K1.86%
  • Oppenheimer & Close Inc
    95.18K1.52%
  • Hamilton Point Investment Advisors, LLC
    38.43K0.61%
  • Geode Capital Management, LLC
    22.94K0.37%
  • Dimensional Fund Advisors, Inc.
    20.45K0.33%
  • Susquehanna International Group, LLP
    20.23K0.32%
  • Advisor Group Holdings, Inc.
    18.01K0.29%
  • Vanguard Fiduciary Trust Co
    16.98K0.27%
  • Northern Trust Corp
    16.37K0.26%
  • CALDWELL SUTTER CAPITAL INC
    14.77K0.24%
  • BlackRock Inc
    10.75K0.17%
  • Bridgeway Capital Management, LLC
    10.20K0.16%
  • Royal Bank of Canada
    5.87K0.09%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    97.65K1.56%
  • Fidelity Extended Market Index
    13.79K0.22%
  • iShares Micro-Cap ETF
    10.68K0.17%
  • Bridgeway Omni Small-Cap Value N
    10.20K0.16%
  • DFA US Core Equity 2 I
    8.12K0.13%

Dividends

20264×
0.10Oct 16, 20260.10Jul 17, 20260.10Apr 17, 20260.10Jan 16, 2026
20254×
0.10Oct 17, 20250.10Jul 18, 20250.10Apr 17, 20250.10Jan 17, 2025
20244×
0.10Oct 18, 20240.10Jul 19, 20240.10Apr 18, 20240.09Jan 11, 2024
20234×
0.09Oct 19, 20230.09Jul 20, 20230.09Apr 21, 20230.09Jan 13, 2023
20224×
0.09Oct 13, 20220.09Jul 14, 20220.09Apr 21, 20220.07Jan 13, 2022
20214×
0.07Oct 14, 20210.07Jul 15, 20210.07Apr 14, 20210.06Jan 14, 2021

Stock Splits

  • Oct 17, 20141647:1000
  • Feb 6, 19983:2