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Pathfinder Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US70319R1095
USD
16.20
-0.67 (-3.97%)

Jun 22

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
ECB Bancorp, Inc.
SB Financial Group, Inc.
Village Bank & Trust Financial Corp.
Auburn National Bancorporation, Inc.
Eagle Bancorp Montana, Inc.
Rhinebeck Bancorp, Inc.
Union Bankshares, Inc. (Vermont)
Citizens Community Bancorp, Inc. (Wisconsin)
Sound Financial Bancorp, Inc.
United Bancorp, Inc. (Ohio)
Pathfinder Bancorp, Inc.

Why is Pathfinder Bancorp, Inc. ?

1
Weak Long Term Fundamental Strength with a -198.08% CAGR growth in Net Profits
  • A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Negative results in Mar 26
  • NET PROFIT(HY) At USD -0.13 MM has Grown at -108.45%
  • OPERATING CASH FLOW(Y) Lowest at USD 5.22 MM
  • GROSS NPA (%)(Q) Highest at 4.26%
3
Underperformed the market in the last 1 year
  • The stock has generated a return of 10.88% in the last 1 year, much lower than market (S&P 500) returns of 22.24%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. 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?

High Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Pathfinder Bancorp, Inc.
10.88%
0.75
34.08%
S&P 500
22.24%
1.67
13.28%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
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)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
30.03%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.67
EV to EBIT
-21.07
EV to EBITDA
-32.79
EV to Capital Employed
0.76
EV to Sales
1.69
PEG Ratio
NA
Dividend Yield
2.35%
ROCE (Latest)
-3.62%
ROE (Latest)
-4.30%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

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

6What is working for the Company
PRE-TAX PROFIT(Q)

At USD 2.94 MM has Grown at 387.61%

NET PROFIT(Q)

At USD 0.6 MM has Grown at 115.71%

OPERATING PROFIT MARGIN(Q)

Highest at 18.55 %

-17What is not working for the Company
NET PROFIT(HY)

At USD -0.13 MM has Grown at -108.45%

OPERATING CASH FLOW(Y)

Lowest at USD 5.22 MM

GROSS NPA (%)

(Q

NII(Q)

Lowest at USD 10.34 MM

CASH AND EQV(HY)

Lowest at USD 25.44 MM

NET SALES(Q)

Lowest at USD 17.5 MM

Here's what is working for Pathfinder Bancorp, Inc.

Pre-Tax Profit
At USD 2.94 MM has Grown at 387.61%
over average net sales of the previous four periods of USD -1.02 MM
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit
At USD 0.6 MM has Grown at 115.71%
over average net sales of the previous four periods of USD 0.28 MM
MOJO Watch
Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Profit Margin
Highest at 18.55 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

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

Non Performing Loans (%)
Highest at 4.26%
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 10.34 MM
in the last five periods
MOJO Watch
The bank's income from core business is falling

NII (USD MM)

Operating Cash Flow
Lowest at USD 5.22 MM
in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales
Lowest at USD 17.5 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Net Sales
At USD 17.5 MM has Fallen at -8.67%
over average net sales of the previous four periods of USD 19.16 MM
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Cash and Eqv
Lowest at USD 25.44 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

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