Pathfinder Bancorp, Inc. (PBHC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Pathfinder Bancorp, Inc.

Why is Pathfinder Bancorp, Inc. ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With a fall in Interest of NAN%, the company declared Very Negative results in Dec 25

The company has declared negative results in Jan 70 after 2 consecutive negative quarters
OPERATING CASH FLOW(Y) Lowest at USD 8.74 MM
GROSS NPA (%)(Q) Highest at 3.07%
NII(Q) Lowest at USD 10.51 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -21.44%, its profits have fallen by -282.5%

Below par performance in long term as well as near term

Along with generating -21.44% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Pathfinder Bancorp, Inc. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Pathfinder Bancorp, Inc.

-22.69%

0.05

36.37%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.51%

EBIT Growth (5y)

-127.34%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

29.66%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.69

EV to EBIT

-21.54

EV to EBITDA

-33.52

EV to Capital Employed

0.78

EV to Sales

1.72

PEG Ratio

Dividend Yield

2.27%

ROCE (Latest)

-3.62%

ROE (Latest)

-4.30%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

NO KEY POSITIVE TRIGGERS

-27What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 8.74 MM

GROSS NPA (%)

NII(Q)

Lowest at USD 10.51 MM

NET SALES(Q)

Lowest at USD 18.29 MM

OPERATING PROFIT(Q)

Lowest at USD -9.03 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -49.38 %

PRE-TAX PROFIT(Q)

Lowest at USD -8.52 MM

NET PROFIT(Q)

Lowest at USD -7.05 MM

EPS(Q)

Lowest at USD -1.14

Here's what is not working for Pathfinder Bancorp, Inc.

Pre-Tax Profit

At USD -8.52 MM has Fallen at -420.88%

over average net sales of the previous four periods of USD 2.66 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -7.05 MM has Fallen at -1,111.55%

over average net sales of the previous four periods of USD 0.7 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow

Lowest at USD 8.74 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 3.07%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII

Lowest at USD 10.51 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Lowest at USD 18.29 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD -9.03 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -49.38 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -8.52 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -7.05 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -1.14

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Capital Adequacy Ratio

Lowest at 12.15%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)