Pathfinder Bancorp (PBHC) AI Stock Analysis

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Pathfinder Bancorp

(NASDAQ:PBHC)

54Neutral

Pathfinder Bancorp's overall stock score reflects a cautious outlook. The company's financial performance shows resilience with strong revenue and cost management, but significant challenges in profitability and cash flow generation. Technical indicators point to a lack of upward momentum, and valuation metrics highlight potential risks with a negative P/E ratio despite a decent dividend yield. The absence of earnings call data and corporate events leaves some uncertainty in future guidance.

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

Market Cap

$90.82M

Dividend Yield2.71%

Average Volume (3M)3.85K

Price to Earnings (P/E)30.7

Beta (1Y)0.05

Revenue Growth11.12%

EPS GrowthN/A

CountryUS

Employees172

SectorFinancial

Sector Strength89

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.48

Shares Outstanding4,763,707

10 Day Avg. Volume8,319

30 Day Avg. Volume3,852

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)N/A

Price to Sales (P/S)0.00

Price to Cash Flow (P/CF)0.00

P/FCF Ratio0.00

Enterprise Value/Market Cap1.93

Enterprise Value/RevenueN/A

Enterprise Value/Gross Profit4.25

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

Pathfinder Bancorp Business Overview & Revenue Model

Company DescriptionPathfinder Bancorp, Inc. (PBHC) operates as the bank holding company for Pathfinder Bank, a community bank that provides a range of financial products and services. Headquartered in Oswego, New York, the company primarily serves individuals, families, and businesses in its local communities. Pathfinder Bank offers traditional banking services such as savings accounts, checking accounts, and certificates of deposit, as well as loans including commercial, residential mortgage, and consumer loans. The bank is committed to community involvement and focuses on delivering personalized customer service.

How the Company Makes MoneyPathfinder Bancorp makes money primarily through the interest income generated from its lending activities. The bank provides various types of loans, including commercial, residential mortgage, and consumer loans, and earns interest on these loans. Additionally, Pathfinder Bank generates non-interest income through fees and service charges associated with its banking products, such as account maintenance fees, transaction fees, and other ancillary services. The bank may also engage in investment activities, contributing to its revenue through interest and dividends from securities. Overall, Pathfinder Bancorp's revenue streams are driven by its ability to attract deposits, manage interest rate spreads, and provide a suite of financial services to its community.

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

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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

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

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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.

Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Breakdown
Income Statement		Total Revenue
41.18M	46.41M	43.70M	38.13M	33.15M
	Gross Profit
41.18M	46.41M	43.70M	38.13M	33.15M
	EBIT
11.78M	24.21M	15.91M	8.24M	5.44M
	EBITDA
0.00	16.39M	18.71M	9.72M	0.00
	Net Income Common Stockholders
9.29M	9.72M	12.41M	5.41M	4.28M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
48.73M	205.66M	227.75M	171.72M	131.29M
	Total Assets
1.47B	1.40B	1.29B	1.23B	1.18B
	Total Debt
211.60M	152.57M	109.10M	123.97M	110.90M
	Net Debt
162.87M	117.29M	71.95M	80.51M	90.74M
	Total Liabilities
1.35B	1.29B	1.17B	1.13B	1.09B
	Stockholders Equity
119.50M	111.00M	110.29M	97.46M	90.43M
Cash Flow		Free Cash Flow
13.47M	16.52M	18.94M	45.30M	4.52M
	Operating Cash Flow
15.43M	21.73M	20.15M	46.56M	8.12M
	Investing Cash Flow
-54.79M	-131.16M	-69.95M	-149.22M	-162.81M
	Financing Cash Flow
52.81M	107.56M	43.48M	125.97M	148.53M

Pathfinder Bancorp Technical Analysis

Technical Analysis Sentiment

Negative

Last Price14.98

Price Trends

50DMA

15.87

Negative

100DMA

16.34

Negative

200DMA

16.31

Negative

Market Momentum

MACD

-0.32

Negative

RSI

47.20

Neutral

STOCH

80.30

Negative

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 14.98 is below the 20-day moving average (MA) of 14.99, below the 50-day MA of 15.87, and below the 200-day MA of 16.31, indicating a bearish trend. The MACD of -0.32 indicates Negative momentum. The RSI at 47.20 is Neutral, neither overbought nor oversold. The STOCH value of 80.30 is Negative, 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 (64)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	70 Outperform	$100.16M	15.96	5.09%	3.74%	5.62%	-5.99%
FGBI	66 Neutral	$122.17M	74.24	1.58%	2.66%	14.50%	-73.50%
Sector *	64 Neutral	$12.57B	9.74	7.88%	16985.68%	12.42%	-5.45%
PBHC	54 Neutral	$90.82M	30.72	4.24%	2.71%	11.12%	―
FNWB	53 Neutral	$94.03M	―	-3.46%	2.81%	10.31%	-557.61%
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
BSBK	41 Neutral	$91.36M	―	-0.73%	―	-9.96%	-23.54%

* Financial Sector Average

Performance Comparison

PBHC

Pathfinder Bancorp

14.98

2.94

24.42%

PROV

Provident Financial Holdings

15.05

2.85

23.36%

FGBI

First Guaranty Bancshares

9.61

-1.42

-12.87%

FNWB

First Northwest Bancorp

9.86

-0.46

-4.46%

BSBK

Bogota Financial

7.00

0.25

3.70%

WMPN

William Penn Bancorp

12.32

0.35

2.92%

Glossary

OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.

NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.

UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.