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Upturn AI SWOT - About
PBHC 
Pathfinder Bancorp Inc (PBHC)
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Upturn Advisory Summary
07/10/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 18.44% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/10/2025 |
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. The bank traces its roots back to 1859, initially operating as a savings and loan association. Over time, it transitioned into a full-service commercial bank, expanding its service offerings and branch network throughout Central New York.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing to businesses of various sizes.
- Retail Banking: Offers deposit accounts, mortgages, home equity loans, and other consumer banking services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and institutions.
Leadership and Structure
Pathfinder Bancorp Inc. is led by a board of directors and an executive management team. The leadership team comprises experienced banking professionals overseeing various functions, including lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available; competitors include larger regional and national banks. Competitors: KeyCorp (KEY), M&T Bank (MTB).
- Residential Mortgages: Offer mortgage products for homebuyers and homeowners. Market share data is not publicly available; competes with national mortgage lenders. Competitors: Wells Fargo (WFC), JPMorgan Chase (JPM).
- Deposit Accounts: Offer checking, savings, and money market accounts to retail and commercial customers. Market share data is not publicly available. Competitors: Bank of America (BAC), Citibank (C).
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, technological disruption, and fluctuating interest rates. Community banks face competition from larger national banks and non-bank financial institutions.
Positioning
Pathfinder Bancorp Inc. operates as a community bank, focusing on building relationships with local businesses and individuals. Its competitive advantages include personalized service, local market expertise, and community involvement.
Total Addressable Market (TAM)
TAM is estimated at billions of dollars within Central New York for banking services. Pathfinder Bancorp Inc. holds a small but significant portion, focusing on local market penetration and customer loyalty.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Strong customer relationships
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Limited technology infrastructure
Opportunities
- Expansion into new markets within Central New York
- Adoption of new technologies to improve efficiency
- Increased focus on wealth management services
- Strategic acquisitions of smaller banks or credit unions
Threats
- Increasing competition from larger banks and credit unions
- Economic downturn impacting loan quality
- Rising interest rates impacting profitability
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- KeyCorp (KEY)
- M&T Bank (MTB)
- Community Bank System (CBU)
Competitive Landscape
Pathfinder Bancorp Inc. competes with larger regional and national banks that have greater resources and broader service offerings. Pathfinder Bancorp Inc.'s advantages include personalized service, local market expertise, and community involvement. Its disadvantages are its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires specific financial data over the past years, which is not available in this context.
Future Projections: Future projections from analysts require access to real-time analyst reports and consensus estimates, which are unavailable in this context.
Recent Initiatives: Recent initiatives require continuous tracking of company news and press releases, which is unavailable in this context.
Summary
Pathfinder Bancorp Inc. is a community bank with a strong local presence but faces challenges from larger competitors. Its focus on customer relationships and local market expertise is a strength, while its limited scale is a weakness. Future success depends on adapting to technological changes and expanding its service offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is not publicly available and estimated based on industry averages. Financial data requires consultation of official resources.
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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