Pathfinder Bancorp Inc   (PBHC)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
Price: $11.7500 $-0.20 -1.674%
Day's High: $12 Week Perf: -1.26 %
Day's Low: $ 11.75 30 Day Perf: -11.72 %
Volume (M): 1 52 Wk High: $ 19.50
Volume (M$): $ 16 52 Wk Avg: $14.27
Open: $11.99 52 Wk Low: $11.68

 Market Capitalization (Millions $) 73
 Shares Outstanding (Millions) 6
 Employees 118
 Revenues (TTM) (Millions $) 42
 Net Income (TTM) (Millions $) 10
 Cash Flow (TTM) (Millions $) -20
 Capital Exp. (TTM) (Millions $) 2

Pathfinder Bancorp Inc

The Bank is a New York-chartered stock savings bank and its deposit accounts are insured up to applicable limits by the FDIC through the Deposit Insurance Fund ("DIF"). The Bank is subject to extensive regulation by the Department, as its chartering agency, and by the FDIC, as its deposit insurer and primary federal regulator. The Bank is a member of the Federal Home Loan Bank of New York ("FHLBNY") and is subject to certain regulations by the Federal Home Loan Bank System.

The Bank is primarily engaged in the business of attracting deposits from the general public in the Banks market area, 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 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 Bank also invests in mortgage-backed securities primarily issued or guaranteed by United States Government sponsored enterprises and collateralized mortgage obligations. The Banks principal sources of funds are deposits, principal and interest payments on loans and investments, as well as borrowings from correspondent financial institutions. The principal source of income is interest on loans and investment securities. The Banks principal expenses are interest paid on deposits, employee compensation and benefits, data processing and facilities.

Pathfinder Bank also owns and operates a limited purpose commercial bank subsidiary, Pathfinder Commercial Bank, which serves the depository needs of municipalities and public entities in its market area. On May 8, 2015, the Company announced that the Bank filed an application with the Department and the to merge with the Banks wholly-owned subsidiary, Pathfinder Commercial Bank, a New York State-chartered limited purpose commercial bank. Prior to or simultaneously with the merger, Pathfinder Commercial Banks charter will be amended such that Pathfinder Commercial Bank will become a full-service commercial bank, rather than a limited purpose commercial bank, and its name will be changed to "Pathfinder Bank". The transaction is expected to be completed in the first half of 2016 and will not impact the current activities or investments of the Bank and Pathfinder Commercial Bank, although the Bank expects some annual cost savings as a result of the conversion.

The Bank has Pathfinder REIT, Inc., a New York corporation, as its wholly-owned real estate investment trust subsidiary.

Our primary lending activity is originating one-to-four family residential real estate loans, the majority of which have fixed rates of interest. Our loan portfolio also includes commercial real estate loans, commercial and municipal loans, home equity loans and junior liens and consumer loans. In order to diversify our loan portfolio, increase our income sources and make our loan portfolio less interest rate sensitive, in recent years, we have sought to significantly increase our commercial real estate and commercial business lending, consistent with safe and sound underwriting practices. Accordingly, we offer adjustable-rate commercial mortgage loans, short-and medium-term mortgage loans, and floating rate commercial loans. In addition, we offer shorter-term consumer loans, home equity loans and lines of credit with adjustable interest rates and municipal loans with fixed interest rates.

   Company Address: 214 West First Street Oswego 13126 NY
   Company Phone Number: 343-0057   Stock Exchange / Ticker: NASDAQ PBHC
   PBHC is expected to report next financial results on March 30, 2024.

Customers Net Income fell by PBHC's Customers Net Profit Margin fell to

-5.8 %

17.2 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


Stock Performances by Major Competitors

5 Days Decrease / Increase
BK        0.75% 
CFG   -3%    
FCNCA        3.9% 
FITB   -1.57%    
MTB   -1.22%    
NTRS        2% 
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Pathfinder Bancorp Inc

Declining Orders Lead to Significant Drop in EPS for Pathfinder Bancorp Inc in Recent Fiscal Period

During the past week, shares of Pathfinder Bancorp Inc have experienced a decline, resulting in a -34.12% year-to-date performance. This drop in stock value is concerning for investors and indicates a potential downward trend for the company. Additionally, the stock is currently trading at a 4.2% increase above its 52-week low.
This decrease in stock value can be attributed to the company's financial performance in the fiscal period ending September 30, 2023. During this period, Pathfinder Bancorp Inc experienced a significant decline in earnings per share (EPS), which dropped by -32.69% to $0.35 per share. This decrease was due to a decline in revenue of -7.221%, amounting to $10.42 million.

Pathfinder Bancorp Inc

Pathfinder Bancorp Inc Faces Substantial Revenue Contraction in Q2 2023 Earnings Season

Despite recent setbacks in its financial performance, Pathfinder Bancorp Inc has the potential for a bullish turnaround in the near future. The company recently announced soft top and bottom-line results for the second quarter of 2023, with a significant decrease in income per share and revenue compared to the previous year. However, it is important to note that the current figures are still higher than those from the same period a year ago.
During the April to June 2023 period, Pathfinder Bancorp Inc reported a -40.74% decline in income per share, which fell to $0.32 from $0.54 in the previous year. Similarly, the company's revenue dropped by -13.688% year on year, from $11.21 million to $9.68 million. These figures reflect a challenging quarter for the company, as net earnings also fell by -39.93% to $1.975 million from $3.288 million in the corresponding period a year before.

Pathfinder Bancorp Inc

Pathfinder Bancorp Inc. Sees Decline in Revenue and Earnings Amidst Financial Interval Ending March 31, 2023

Investing in the stock market can be a daunting task, and investors must exercise caution while making investment decisions. One essential aspect to consider before investing in any stock is to evaluate the company's financial statements and performance. Recently, Pathfinder Bancorp Inc. (PBHC) announced its quarterly earnings report, which was disappointing, and revealed a decline in earnings per share (EPS) and a decrease in revenue.
According to the financial interval ending March 31, 2023, the company's EPS fell by -12.24% to $0.43 from $0.49, and revenue declined by -0.912% to $10.87 million year on year. In comparison, during the preceding reporting period, income faded from $0.57 per share, and revenue decreased by -2.529% to $11.15 million. The net profits of $2.675 million in the financial interval ending March 31, 2023, reduced by -10.68% from $2.995 million in the corresponding period a year before.


Pathfinder Bancorp Inc's Segments
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