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Pathfinder Bancorp Inc PBHC

Morningstar Rating
$12.16 +0.05 (0.41%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

PBHC is trading at a 34% discount.
Price
$12.22
Fair Value
$88.84
Uncertainty
Very High
1-Star Price
$29.49
5-Star Price
$8.69
Economic Moat
Gkck
Capital Allocation
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News

Trading Information

Previous Close Price
$12.11
Day Range
$12.0112.16
52-Week Range
$11.6115.78
Bid/Ask
$0.00 / $0.00
Market Cap
$74.18 Mil
Volume/Avg
2,575 / 2,440

Key Statistics

Price/Earnings (Normalized)
5.72
Price/Sales
1.32
Dividend Yield (Trailing)
2.94%
Dividend Yield (Forward)
3.27%
Total Yield
2.94%

Company Profile

Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source of income is interest on loans and investment securities.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
173

Comparables

Valuation

Metric
PBHC
WASH
MBCN
Price/Earnings (Normalized)
5.728.6210.13
Price/Book Value
0.620.870.87
Price/Sales
1.322.142.50
Price/Cash Flow
3.809.028.49
Price/Earnings
PBHC
WASH
MBCN

Financial Strength

Metric
PBHC
WASH
MBCN
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
PBHC
WASH
MBCN
Return on Assets (Normalized)
0.69%0.72%1.03%
Return on Equity (Normalized)
8.57%10.94%9.13%
Return on Invested Capital (Normalized)
Return on Assets
PBHC
WASH
MBCN
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRZvknlxyQxt$77.4 Bil
ISNPY
Intesa Sanpaolo ADRZlnxxknpfBdtf$64.0 Bil
USB
U.S. BancorpXtgbsxvvThnq$61.7 Bil
PNC
PNC Financial Services Group IncVkvlpqgnWmqtlg$58.3 Bil
ITUB
Itau Unibanco Holding SA ADRJnpsvgtwPrz$54.8 Bil
MFG
Mizuho Financial Group Inc ADRYgcqxttjtYyzy$48.0 Bil
TFC
Truist Financial CorpHrdbqhjJwxlzsj$47.6 Bil
LYG
Lloyds Banking Group PLC ADRYdnclzzbNdwmnkt$39.7 Bil
DB
Deutsche Bank AGKlqwwHpq$30.7 Bil
NWG
NatWest Group PLC ADRMlgzYdm$29.5 Bil

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