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Upturn AI SWOT - About
PBHC 
Pathfinder Bancorp Inc (PBHC)
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Upturn Advisory Summary
04/01/2025: PBHC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 12.27% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 109.80M USD | Price to earnings Ratio 56.25 | 1Y Target Price - |
Price to earnings Ratio 56.25 | 1Y Target Price - | ||
Volume (30-day avg) 2228 | Beta 0.24 | 52 Weeks Range 11.49 - 19.74 | Updated Date 03/30/2025 |
52 Weeks Range 11.49 - 19.74 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.22% | Basic EPS (TTM) 0.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.67% | Operating Margin (TTM) -123.8% |
Management Effectiveness
Return on Assets (TTM) 0.15% | Return on Equity (TTM) 1.82% |
Valuation
Trailing PE 56.25 | Forward PE - | Enterprise Value 223039008 | Price to Sales(TTM) 2.58 |
Enterprise Value 223039008 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 5.15 | Enterprise Value to EBITDA - | Shares Outstanding 4719790 | Shares Floating 3092727 |
Shares Outstanding 4719790 | Shares Floating 3092727 | ||
Percent Insiders 27.2 | Percent Institutions 29.56 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pathfinder Bancorp Inc
Company Overview
History and Background
Pathfinder Bancorp, Inc. is the holding company for Pathfinder Bank. Established in 1859, Pathfinder Bank has a long history of serving the financial needs of individuals and businesses in Central New York. Over the years, it has grown from a small savings bank to a full-service community bank.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, loans, and other financial services to individuals and families.
- Commercial Banking: Provides loans, lines of credit, and other financial solutions to businesses.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Pathfinder Bancorp Inc. is led by its Board of Directors and executive management team. The bank has a traditional hierarchical structure with various departments responsible for different aspects of its operations.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant part of Pathfinder Bank's lending portfolio. Market share data specific to Pathfinder is not readily available, but they compete with national and regional banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as smaller community banks.
- Commercial Loans: Pathfinder Bank provides commercial loans to businesses in its service area. Competitors include larger national banks and credit unions. Market share data specific to Pathfinder is not readily available.
- Deposit Accounts: Includes checking, savings, and money market accounts. They compete with almost every local bank in the county in which they operate.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, regulatory changes, and increased competition from fintech companies. Community banks like Pathfinder are focused on building strong relationships with their customers and providing personalized service.
Positioning
Pathfinder Bancorp Inc. is a community bank focused on serving the financial needs of individuals and businesses in Central New York. Its competitive advantages include its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Central New York is estimated to be in the billions of dollars. Pathfinder Bank holds a small percentage of the overall TAM, aiming to increase its share by focusing on local relationships and customer service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Focus on community development
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited marketing budget
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Partnerships with fintech companies
- Growing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and credit unions
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- COF
- WTFC
Competitive Landscape
Pathfinder Bancorp Inc. faces significant competition from larger national and regional banks. Its advantages lie in its local market knowledge and strong customer relationships. Disadvantages include its smaller asset base and limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth cannot be discussed without current financial statements.
Future Projections: Future projections cannot be discussed without current financial statements.
Recent Initiatives: Recent initiatives cannot be highlighted without current financial statements.
Summary
Pathfinder Bancorp is a small community bank competing in a market dominated by much larger institutions. Its strength lies in local customer relationships, but it faces challenges from larger banks and fintech companies. To thrive, it needs to leverage technology and expand its reach within its existing market. Maintaining strong compliance practices is essential.
Similar Companies
- WSFS
- CFBK
- FFWM
- TOWN
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pathfinder Bancorp Inc
Exchange NASDAQ | Headquaters Oswego, NY, United States | ||
IPO Launch date 1996-05-30 | President, CEO & Director Mr. James A. Dowd CPA, CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.pathfinderbank.com |
Full time employees - | Website https://www.pathfinderbank.com | ||
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.
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