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PBHC logo PBHC
Upturn stock ratingUpturn stock rating
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Pathfinder Bancorp Inc (PBHC)

Upturn stock ratingUpturn stock rating
$14.96
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

06/27/2025: PBHC (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

0 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Year Target Price $0

Year Target Price $0

Analyst’s Price TargetsFor last 52 week
$0Target price
Low$11.99
Current$14.96
high$19.61

Analysis of Past Performance

Type Stock
Historic Profit 18.44%
Avg. Invested days 59
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

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

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Pathfinder Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 172

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.