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PBHC 
Pathfinder Bancorp Inc (PBHC)
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Upturn Advisory Summary
12/03/2025: PBHC (1-star) is currently NOT-A-BUY. Pass it for now.
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 7.77% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/03/2025 |
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 state-chartered savings bank. Founded in 1859, it has evolved from a savings and loan association to a full-service community bank. Significant milestones include expanding its branch network and diversifying its product offerings.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure includes various departments such as lending, retail banking, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed and adjustable-rate mortgages for home purchases and refinancing. Competitors include larger national banks and mortgage companies.
- Commercial Loans: Provides loans to businesses for working capital, equipment purchases, and real estate. Competitors include other community banks and credit unions.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from online lenders, regulatory changes, and fluctuating interest rates.
Positioning
Pathfinder Bancorp Inc is positioned as a community bank focused on providing personalized service and local expertise. Their competitive advantage lies in their strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
TAM for banking services in Central New York is estimated at $5 billion. Pathfinder Bank's TAM would be a percentage of this overall market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger competitors
- Reliance on traditional banking model
- Lower brand awareness compared to larger national banks
Opportunities
- Expanding into new markets
- Developing new digital banking products
- Acquiring smaller community banks
- Increasing market share in existing markets
Threats
- Increased competition from online lenders
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- CNYB
- FSBW
- ORRF
Competitive Landscape
Pathfinder Bancorp faces competition from larger national banks, regional banks, and credit unions. Its advantages include local expertise and personalized service, while its disadvantages include limited geographic reach and smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are based on expansion within its operational footprint and general banking growth. Real growth rates cannot be provided.
Future Projections: Future projections are speculative. Growth could occur via branch expansions and technological improvements to banking services.
Recent Initiatives: Recent initiatives potentially include upgrading online banking platforms and expanding commercial lending activities.
Summary
Pathfinder Bancorp is a community bank with a solid local presence. It benefits from established customer relationships but faces challenges from larger competitors and changing industry dynamics. Expanding its digital offerings and exploring strategic acquisitions could enhance its growth prospects. Managing interest rate risk and adapting to regulatory changes are crucial for its long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (where available)
Disclaimers:
The information provided is based on available public data and general industry knowledge and should not be considered financial advice. Real-time data and specific financial figures were not accessible at the time of analysis. Market share is estimated.
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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