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Upturn AI SWOT - About
PBHC 
Pathfinder Bancorp Inc (PBHC)
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Upturn Advisory Summary
10/15/2025: PBHC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 10.01% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 91.88M USD | Price to earnings Ratio 24.52 | 1Y Target Price - |
Price to earnings Ratio 24.52 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.16 | 52 Weeks Range 11.99 - 19.61 | Updated Date 06/29/2025 |
52 Weeks Range 11.99 - 19.61 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.68% | Basic EPS (TTM) 0.61 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.26% | Operating Margin (TTM) 32.66% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 4.55% |
Valuation
Trailing PE 24.52 | Forward PE - | Enterprise Value 130297320 | Price to Sales(TTM) 2.22 |
Enterprise Value 130297320 | Price to Sales(TTM) 2.22 | ||
Enterprise Value to Revenue 3.86 | Enterprise Value to EBITDA - | Shares Outstanding 4761180 | Shares Floating 3345502 |
Shares Outstanding 4761180 | Shares Floating 3345502 | ||
Percent Insiders 22.49 | Percent Institutions 29.64 |
Upturn AI SWOT
Pathfinder Bancorp Inc
Company Overview
History and Background
Pathfinder Bancorp, Inc. is the holding company for Pathfinder Bank, a New York-chartered savings bank. The bank has a history dating back to the 19th century and has evolved from a traditional savings and loan to a full-service community bank.
Core Business Areas
- Retail Banking: Provides traditional banking services such as checking and savings accounts, loans, and other financial products to individuals and families.
- Commercial Banking: Offers loan products, deposit accounts, and other financial services to small and medium-sized businesses.
- Mortgage Lending: Originates residential mortgage loans.
Leadership and Structure
The bank is led by a board of directors and an executive management team. The specific details of the team are available on the company's investor relations page and in SEC filings.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of residential mortgage products. Market share data for Pathfinder specifically is difficult to source directly, but residential mortgages are a highly competitive market. Competitors include large national banks and other regional banks.
- Commercial Loans: Provides commercial loans to businesses in its service area. Market share data is difficult to source. Competitors include other community banks and credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is difficult to source. Competitors include other community banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including interest rate volatility, increased regulatory scrutiny, and competition from non-traditional financial service providers. Community banks are focusing on relationship banking and local market expertise.
Positioning
Pathfinder Bancorp is positioned as a community bank focused on serving the needs of individuals and businesses in its local market. Competitive advantages include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM consists of all banking services within Pathfinder's geographical footprint. Pathfinder is positioned to capture a portion of this market by leveraging its community-focused approach and strong local relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Potential for higher operating costs as a percentage of revenue
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for local banking services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Changes in regulations
Competitors and Market Share
Key Competitors
- NBTB
- ESSA
- WTNY
Competitive Landscape
Pathfinder competes with larger regional and national banks, as well as other community banks. Its advantages include local market expertise and personalized customer service. Disadvantages include limited scale and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are evaluated based on past financial performance.
Future Projections: Future growth projections would be based on analyst estimates and company guidance, if available.
Recent Initiatives: Any recent strategic initiatives are highlighted based on company announcements and press releases.
Summary
Pathfinder Bancorp is a community bank with a strong local presence, but it faces competition from larger banks and fintech companies. Its strength lies in its relationships and customer services. Potential challenges include rising interest rates and maintaining growth in a competitive market. Pathfinder is moderately rated based on its limited scope of financial reports.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Financial metrics are placeholders and should be replaced with actual values from the company's financial statements. Analyst Ratings should be interpreted as only estimates and subject to variability.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pathfinder Bancorp Inc
Exchange NASDAQ | Headquaters Oswego, NY, United States | ||
IPO Launch date 1996-05-30 | President, CEO & Director Mr. James A. Dowd CPA, CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 172 | Website https://www.pathfinderbank.com |
Full time employees 172 | Website https://www.pathfinderbank.com | ||
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 also involved in the property, casualty, and life insurance brokerage business. It 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.
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