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Pathfinder Bancorp Inc   (NASDAQ: PBHC)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $17.2650 $0.47 2.768%
Day's High: $17.265 Week Perf: 1.56 %
Day's Low: $ 16.85 30 Day Perf: -1.34 %
Volume (M): 68 52 Wk High: $ 19.86
Volume (M$): $ 1,169 52 Wk Avg: $14.78
Open: $17.10 52 Wk Low: $11.41



 Market Capitalization (Millions $) 107
 Shares Outstanding (Millions) 6
 Employees 174
 Revenues (TTM) (Millions $) 35
 Net Income (TTM) (Millions $) 2
 Cash Flow (TTM) (Millions $) 11
 Capital Exp. (TTM) (Millions $) 8

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


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

-25 %

13.37 %

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


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BK        0.46% 
CFG   -1.47%    
FCNCA   -2.05%    
FITB   -0.2%    
MTB   -0.18%    
NTRS        1.07% 
• View Complete Report
   



Dividend

Pathfinder Bancorps Grows Financial Commitment with New Dividend Announcement

Published Mon, Dec 23 2024 9:15 PM UTC

OSWEGO, N.Y. In a move signaling confidence in its ongoing growth trajectory, Pathfinder Bancorp, Inc. has declared a cash dividend of $0.10 per share on its voting and non-voting common stock, along with a $0.10 cash dividend per notional share for the issued warrant. This announcement, made by President and CEO James A. Dowd on December 23, 2024, reflects the company?s r...

Dividend

Pathfinder Bancorp Declares $0.10 Dividend as Strong Q2 Performance Fuels Growth Initiatives,

Published Mon, Sep 30 2024 8:05 PM UTC

Oswego, N.Y. In a move signaling confidence in its ongoing operational success, Pathfinder Bancorp, Inc., the bank holding company for Pathfinder Bank (NASDAQ: PBHC), has declared a cash dividend of $0.10 per share on both its voting common and non-voting common stock. Additionally, a dividend of $0.10 per notional share will be issued for the warrants for the fiscal quart...

Dividend

Pathfinder Bancorp's Q2 2024 Success: Strong Earnings and Strategic Growth Fuel Optimization

Published Mon, Jul 29 2024 8:05 PM UTC


In a promising report released this week, Pathfinder Bancorp, Inc. announced a net income of $2.0 million for the second quarter of 2024, highlighting the bank s sustained momentum and strategic positioning in a competitive financial landscape. This marks a significant continuation of the company?s growth trajectory, following net interest margin expansion for the secon...

Stocks on the Move

Pathfinder Bancorp Inc Shares Trail Market Performance Amidst Recent Acquisitions and Financial Challenges

Published Tue, Jul 23 2024 12:33 PM UTC

Pathfinder Bancorp Inc Shares Struggle as Acquisition Confirms Market Performance LagIn the world of finance, the performance of a company s stock is often a reflection of its overall health and success. For Pathfinder Bancorp Inc, the past week has been a challenging one as its shares trailed behind the performance of the entire market. This disappointing trend has also bee...

Merger and Acquisition

Pathfinder Bank Completes Acquisition of Berkshire Bank Branch, Boosting Shareholder Confidence

Published Mon, Jul 22 2024 1:31 PM UTC



Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the parent company of Pathfinder Bank, marked a significant milestone as it announced the successful completion of the acquisition of the East Syracuse branch of Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. This strategic move is set to have a positive impact on Pathfinder s operations and financia...







Pathfinder Bancorp Inc's Segments





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