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Pathfinder Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US70319R1095
USD
14.20
-0.05 (-0.35%)

Dec 04

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

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
ECB Bancorp, Inc.
Eagle Bancorp Montana, Inc.
Rhinebeck Bancorp, Inc.
SB Financial Group, Inc.
Village Bank & Trust Financial Corp.
Union Bankshares, Inc. (Vermont)
Sound Financial Bancorp, Inc.
United Bancorp, Inc. (Ohio)
Pathfinder Bancorp, Inc.
Auburn National Bancorporation, Inc.
Citizens Community Bancorp, Inc. (Wisconsin)
Why is Pathfinder Bancorp, Inc. ?
1
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
2
Flat results in Jun 25
  • OPERATING CASH FLOW(Y) Lowest at USD 13.95 MM
  • PRE-TAX PROFIT(Q) At USD 0.04 MM has Fallen at -97.7%
  • ROCE(HY) Lowest at 0.2%
3
Below par performance in long term as well as near term
  • Along with generating -21.94% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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?

Medium Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Pathfinder Bancorp, Inc.
-17.87%
0.24
32.28%
S&P 500
13.22%
0.61
20.17%
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)
12.75%
EBIT Growth (5y)
-18.36%
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
26.31%
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
33
Industry P/E
Price to Book Value
0.75
EV to EBIT
99.81
EV to EBITDA
31.89
EV to Capital Employed
0.78
EV to Sales
1.40
PEG Ratio
1.08
Dividend Yield
150.73%
ROCE (Latest)
0.78%
ROE (Latest)
2.27%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
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

7What is working for the Company
ROCE(HY)

Highest at 0.2%

GROSS NPA (%)

(Q

DIVIDEND PAYOUT RATIO(Y)

Highest at 99.6%

EPS(Q)

Highest at USD 0.1

-9What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at USD 13.95 MM

PRE-TAX PROFIT(Q)

At USD 0.04 MM has Fallen at -97.7%

ROCE(HY)

Lowest at 0.2%

CREDIT DEPOSIT RATIO(HY)

Lowest at 74.69%

Here's what is working for Pathfinder Bancorp, Inc.
Non Performing Loans (%)
Lowest at 1.28%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

EPS
Highest at USD 0.1
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend Payout Ratio
Highest at 99.6%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Pathfinder Bancorp, Inc.
Pre-Tax Profit
At USD 0.04 MM has Fallen at -97.7%
over average net sales of the previous four periods of USD 1.65 MM
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Operating Cash Flow
Lowest at USD 13.95 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)

Credit Deposit Ratio
Lowest at 74.69%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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