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Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
US Market

Pathfinder Bancorp (PBHC) AI Stock Analysis

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Pathfinder Bancorp

(NASDAQ:PBHC)

Rating:59Neutral
Price Target:
$15.50
▲(3.20%Upside)
Pathfinder Bancorp's overall stock score is driven primarily by its strong financial performance, characterized by consistent revenue growth and effective debt management. However, technical indicators and valuation metrics present a more cautious outlook, with neutral market sentiment and challenges in profitability. The positive corporate event adds stability but does not significantly alter the overall score.

Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)

Pathfinder Bancorp Business Overview & Revenue Model

Company DescriptionPathfinder Bancorp (PBHC) is a financial holding company headquartered in Oswego, New York. It operates primarily through its subsidiary, Pathfinder Bank, which provides a range of banking and financial services. The bank serves individuals, families, and businesses in its local communities, offering products such as personal and business checking and savings accounts, loans, mortgages, and other related financial services.
How the Company Makes MoneyPathfinder Bancorp generates revenue primarily through its banking operations. The company earns money through interest income, which is derived from loans and mortgages issued to customers. Pathfinder Bank also generates revenue from fees associated with various banking services, including account maintenance fees, transaction fees, and service charges. Additionally, the bank invests in securities, contributing to its income through interest and dividends. Pathfinder Bancorp may also form strategic partnerships with other financial institutions to enhance its service offerings and expand its market reach, although specific partnerships or collaborations are not detailed.

Pathfinder Bancorp Financial Statement Overview

Summary
Pathfinder Bancorp displays a mixed financial health profile. While revenue and gross profit margins are strong, the significant drop in net income and EBIT margin in 2024 highlights operational challenges. The balance sheet reflects financial stability with improved equity metrics and reduced debt. However, declining cash flow figures indicate potential liquidity issues. Overall, the company shows resilience but faces challenges in sustaining profitability and cash generation.
Income Statement
68
Positive
Pathfinder Bancorp shows a mixed performance in the income statement. Revenue has grown from $33.15M in 2019 to $47.90M in 2024, indicating a steady upward trend. However, net income has fluctuated, with a concerning recent drop to zero in 2024. The EBIT margin decreased significantly after 2023, suggesting potential operational challenges. Despite these issues, the company maintained a gross profit margin of 100%, reflecting efficient cost management.
Balance Sheet
72
Positive
The balance sheet of Pathfinder Bancorp demonstrates a stable equity position with stockholder's equity increasing from $90.43M in 2019 to $121.48M in 2024. The debt-to-equity ratio improved significantly as total debt decreased from $123.98M in 2020 to $61.00M in 2024, indicating effective debt management. Additionally, the equity ratio has shown a positive trend over the years, reinforcing the company's financial stability.
Cash Flow
65
Positive
Operating cash flow has shown inconsistency, decreasing from $46.56M in 2020 to $11.21M in 2024, raising concerns about cash generation capabilities. The free cash flow saw a similar decline, which could limit the company's ability to reinvest in growth opportunities. The operating cash flow to net income ratio is strong, indicating efficient conversion of income to cash, but the recent net income drop to zero raises caution.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue56.29M83.48M41.18M46.41M43.70M38.13M
Gross Profit37.67M35.14M40.15M46.41M43.70M38.13M
EBITDA5.18M6.50M13.12M16.39M18.71M9.72M
Net Income4.24M3.38M9.29M9.72M12.41M5.41M
Balance Sheet
Total Assets1.50B1.47B1.47B1.40B1.29B1.23B
Cash, Cash Equivalents and Short-Term Investments302.66M283.29M48.73M205.66M227.75M171.72M
Total Debt27.00M136.51M211.60M152.57M109.10M123.97M
Total Liabilities1.37B1.35B1.35B1.29B1.17B1.13B
Stockholders Equity124.90M121.48M119.50M111.00M110.29M97.46M
Cash Flow
Free Cash Flow8.38M2.88M13.47M16.52M18.94M45.30M
Operating Cash Flow16.48M11.21M15.43M21.73M20.15M46.56M
Investing Cash Flow-16.73M-22.40M-54.79M-131.16M-69.95M-149.22M
Financing Cash Flow22.71M-5.97M52.81M107.56M43.48M125.97M

Pathfinder Bancorp Technical Analysis

Technical Analysis Sentiment
Negative
Last Price15.02
Price Trends
50DMA
15.04
Negative
100DMA
15.77
Negative
200DMA
16.23
Negative
Market Momentum
MACD
-0.06
Negative
RSI
49.67
Neutral
STOCH
77.06
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBHC, the sentiment is Negative. The current price of 15.02 is below the 20-day moving average (MA) of 15.04, below the 50-day MA of 15.04, and below the 200-day MA of 16.23, indicating a bearish trend. The MACD of -0.06 indicates Negative momentum. The RSI at 49.67 is Neutral, neither overbought nor oversold. The STOCH value of 77.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PBHC.

Pathfinder Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$103.62M16.215.09%3.58%5.62%-5.99%
67
Neutral
$16.84B11.729.71%3.76%11.61%-9.60%
65
Neutral
$131.75M67.331.58%0.45%14.47%-73.50%
59
Neutral
$92.24M31.552.30%2.66%11.12%53.85%
56
Neutral
$104.20M-0.73%-9.96%-23.54%
43
Neutral
$76.85M-10.46%3.44%10.02%-1855.34%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PBHC
Pathfinder Bancorp
15.10
2.61
20.90%
PROV
Provident Financial Holdings
15.61
3.73
31.40%
FGBI
First Guaranty Bancshares
8.86
0.00
0.00%
FNWB
First Northwest Bancorp
8.13
-1.10
-11.92%
BSBK
Bogota Financial
7.94
1.20
17.80%

Pathfinder Bancorp Corporate Events

Dividends
Pathfinder Bancorp Declares Quarterly Cash Dividend
Neutral
Jun 30, 2025

On June 30, 2025, Pathfinder Bancorp, Inc. announced a quarterly cash dividend of $0.10 per share for both its voting and non-voting common stock, as well as for the issued warrant. This dividend, reflecting the fiscal quarter ending June 30, 2025, will be payable on August 8, 2025, to shareholders recorded by July 18, 2025.

Executive/Board ChangesShareholder Meetings
Pathfinder Bancorp Shareholders Approve All Annual Meeting Proposals
Positive
Jun 5, 2025

On June 5, 2025, Pathfinder Bancorp held its Annual Meeting of Shareholders, where all proposals were approved. These included the election of four directors—Eric Allyn, Meghan Crawford-Hamlin, Adam C. Gagas, and Melanie Littlejohn—for three-year terms, and the ratification of Bonadio & Company, LLP as the independent registered public accounting firm for 2025. The approval of these proposals reflects strong shareholder support and ensures continuity in the company’s leadership and financial oversight.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 03, 2025