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Upturn AI SWOT - About
PBHC 
Pathfinder Bancorp Inc (PBHC)
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Upturn Advisory Summary
08/14/2025: 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 10.73% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 provides a range of financial services to individuals and businesses in Central New York. Founded in 1859, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Retail Banking: Offers deposit accounts, loans, and other services to individuals and families.
- Commercial Banking: Provides lending, deposit, and cash management services to businesses.
- Wealth Management: Offers investment advisory and trust services.
Leadership and Structure
James A. Dowd serves as the President and CEO. The organizational structure consists of various departments overseeing retail banking, commercial lending, finance, and operations, all reporting to the executive management team and the board of directors.
Top Products and Market Share
Key Offerings
- Competitors: JPM,BAC,C,KEY,M&T
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages for home purchases and refinancing. Market share data specific to Pathfinder Bancorp is not readily available; competitors include large national banks and regional banks operating in New York state.
- Commercial Loans: Provides term loans, lines of credit, and commercial real estate financing to businesses. Market share data is not publicly disclosed; competitors include regional and community banks. Revenue data is not specified in public filings.
- Competitors: JPM,BAC,C,KEY,M&T
- Competitors: JPM,BAC,C,KEY,M&T
- Deposit Accounts: Offers a variety of checking, savings and money market accounts. Market share data is not readily available; competitors include large national banks and regional banks operating in New York state.
Market Dynamics
Industry Overview
The banking industry is currently characterized by fluctuating interest rates, increasing regulatory scrutiny, and growing competition from fintech companies.
Positioning
Pathfinder Bancorp focuses on serving the Central New York market with a community-focused approach. Its competitive advantages include local expertise and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in Central New York is estimated in the billions of dollars. Pathfinder Bancorp aims to capture a significant share through community engagement and competitive product offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Personalized customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Smaller scale compared to larger banks
- Dependence on Local Economy
Opportunities
- Expansion into new markets within New York State
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions of other community banks
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturns in the Central New York region
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- KEY
- M&T
Competitive Landscape
Pathfinder Bancorp faces competition from larger national and regional banks, as well as credit unions and online lenders. Its advantage lies in local knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be assessed accurately without financial data.
Future Projections: Future growth projections would depend on a multitude of factors. Consult analyst reports for detailed expectations.
Recent Initiatives: Recent initiatives could include expanding digital banking offerings, enhancing customer service platforms, and strategic lending programs.
Summary
Pathfinder Bancorp is a community bank with a strong local presence, but faces challenges from larger competitors and fluctuating economic conditions. Its customer-focused approach and community engagement are key strengths, while diversification and technological advancements could drive future growth. Rising interest rates and increased regulatory burdens are potential hurdles. The company's future success depends on its ability to adapt to changing market dynamics and leverage its local expertise.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be exact.
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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