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About the company
Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by United States Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over seven branch offices located in Oswego County, four branch offices in Onondaga County, and one limited purpose office in Oneida County.
- Revenue in USD (TTM)67.66m
- Net income in USD7.02m
- Incorporated2014
- Employees161.00
- LocationPathfinder Bancorp Inc (MARYLAND)214 W 1st StOSWEGO 13126-2550United StatesUSA
- Phone+1 (315) 343-0057
- Websitehttps://ir.pathfinderbank.com/home/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of San Francisco | 29.31m | 6.93m | 54.92m | -- | 7.84 | 0.8032 | 10.32 | 2.42 | 3.32 | 3.32 | 10.85 | 32.43 | -- | -- | -- | -- | 1.15 | 1.12 | -- | -- | -- | -- | 30.59 | 29.10 | -- | -- | -- | -- | 18.53 | 15.96 | 18.22 | 15.91 | -- | -- |
| Citizens Bancorp of Virginia Inc | 13.77m | 3.57m | 55.27m | 108.00 | 16.40 | 1.35 | 13.84 | 3.86 | 1.59 | 1.59 | 6.36 | 19.33 | -- | -- | -- | -- | 1.06 | 1.01 | -- | -- | -- | -- | 24.91 | 23.36 | -- | -- | -- | 47.63 | -3.84 | -4.18 | 2.30 | 5.23 | 9.95 | 1.43 |
| F & M Bank Corp | 56.33m | 2.77m | 55.34m | 151.00 | 19.92 | 0.7071 | 13.43 | 1.34 | 0.7976 | 0.7976 | 11.89 | 22.47 | -- | -- | -- | -- | 0.2182 | 0.6693 | -- | -- | -- | -- | 6.70 | 16.43 | -- | -- | -- | 50.07 | 33.67 | 9.14 | -66.69 | -19.91 | 12.69 | 1.83 |
| Bank Of Botetourt | 34.38m | 7.70m | 55.35m | 84.00 | 7.22 | 0.7467 | -- | 1.83 | 3.95 | 3.95 | 15.51 | 38.32 | -- | -- | -- | -- | 1.09 | 1.05 | -- | -- | -- | -- | 27.07 | 25.77 | -- | -- | -- | 20.35 | 33.41 | 13.26 | -1.41 | 12.34 | -- | 7.14 |
| First US Bancshares Inc | 52.81m | 8.49m | 55.56m | 153.00 | 7.21 | 0.6077 | 5.30 | 1.36 | 1.33 | 1.33 | 6.39 | 15.80 | -- | -- | -- | -- | 0.8208 | 0.5931 | -- | -- | -- | -- | 20.83 | 13.22 | -- | -- | -- | 14.97 | 28.18 | 7.29 | 23.62 | 27.79 | -1.12 | 20.11 |
| United Bancshares Inc | 47.20m | 8.61m | 55.57m | 211.00 | 6.53 | 0.5917 | -- | 1.37 | 2.80 | 2.80 | 13.17 | 30.93 | -- | -- | -- | -- | 0.7972 | 1.16 | -- | -- | -- | -- | 21.26 | 23.81 | -- | -- | -- | 19.13 | 21.21 | 6.55 | -23.91 | 0.922 | -- | 12.89 |
| Blue Ridge Bankshares Inc | 169.00m | -51.77m | 57.63m | 507.00 | -- | 0.2632 | -- | 0.474 | -2.72 | -2.72 | 6.42 | 9.69 | -- | -- | -- | -- | -1.66 | 0.5045 | -- | -- | -- | -- | -42.58 | 8.48 | -- | -- | -- | 50.96 | 32.57 | 49.76 | -287.75 | -- | -14.44 | -- |
| Juniata Valley Financial Corp | 33.18m | 6.60m | 57.76m | 122.00 | 8.79 | 1.39 | 7.98 | 2.06 | 1.31 | 1.31 | 5.58 | 8.29 | -- | -- | -- | -- | 0.7748 | 0.8551 | -- | -- | -- | -- | 23.55 | 24.40 | -- | -- | -- | 67.25 | 20.42 | 7.01 | -20.72 | 2.83 | -8.27 | 0.00 |
| Pathfinder Bancorp Inc (MARYLAND) | 67.66m | 7.02m | 57.77m | 161.00 | 10.52 | 0.6248 | 5.33 | 1.31 | 1.16 | 1.16 | 7.31 | 19.59 | -- | -- | -- | -- | 0.6576 | 0.746 | -- | -- | -- | -- | 21.36 | 22.34 | -- | -- | -- | 23.09 | 32.42 | 14.22 | -27.78 | 11.74 | -19.15 | 8.67 |
| Potomac Bancshares Inc | 35.58m | 7.26m | 57.91m | 125.00 | 8.01 | -- | -- | 1.79 | 1.75 | 1.75 | 7.79 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.48 | 21.58 | -- | -- | -- | -- | 31.48 | 15.16 | -0.6429 | 16.45 | -- | 6.30 |
| New Peoples Bankshares Inc | 37.14m | 7.18m | 58.85m | 183.00 | 8.22 | 0.9086 | 6.69 | 1.55 | 0.3017 | 0.3017 | 1.60 | 2.73 | -- | -- | -- | -- | 0.8969 | 0.7189 | -- | -- | -- | -- | 18.92 | 15.16 | -- | -- | -- | -- | 18.30 | 5.46 | -11.11 | 50.87 | -2.18 | -- |
| Auburn National Bancorporation Inc | 34.37m | 1.40m | 59.39m | 149.00 | 42.87 | 0.7763 | 19.19 | 2.54 | 0.3966 | 0.3966 | 6.67 | 21.90 | -- | -- | -- | -- | 0.1396 | 0.7687 | -- | -- | -- | -- | 5.98 | 25.23 | -- | -- | -- | 49.74 | 16.34 | 3.28 | -86.52 | -30.87 | 11.74 | 2.38 |
| Southeastern Banking Corp | 12.23m | 1.13m | 59.87m | 142.00 | 52.78 | -- | -- | 4.13 | 0.36 | 0.36 | 4.60 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 7.81 | -24.02 | -- | -- | -- | -- | -7.70 | -13.18 | 127.30 | -20.43 | -- | -- |
| Coastal Carolina Bancshares, Inc. | 42.17m | 8.13m | 60.23m | -- | 7.31 | -- | -- | 2.03 | 1.31 | 1.31 | 4.79 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 27.34 | 23.22 | -- | -- | -- | -- | 42.92 | 21.93 | 12.74 | 30.90 | -- | -- |
| Village Bank and Trust Financial Corp. | 33.27m | 1.92m | 61.20m | 141.00 | 31.76 | 0.9045 | 24.27 | 2.42 | 1.29 | 1.29 | 16.99 | 45.25 | -- | -- | -- | -- | 0.2628 | 1.07 | -- | -- | -- | -- | 7.60 | 23.02 | -- | -- | -- | 5.72 | 21.05 | 9.57 | -76.91 | -8.09 | 25.61 | -- |
| First Bancshares Inc (Missouri) | 30.44m | 6.59m | 61.58m | 75.00 | 9.28 | -- | -- | 2.67 | 2.72 | 2.72 | 9.55 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.51 | 27.27 | -- | -- | -- | -- | 46.09 | 13.78 | 27.20 | 17.64 | -- | -- |
Data as of Apr 18 2024. Currency figures normalised to Pathfinder Bancorp Inc (MARYLAND)'s reporting currency: US Dollar USD
17.56%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Minerva Advisors LLCas of 31 Dec 2023 | 256.60k | 5.47% |
| AllianceBernstein LPas of 31 Dec 2023 | 238.77k | 5.09% |
| Oppenheimer + Close LLCas of 31 Dec 2023 | 91.72k | 1.96% |
| M3F, Inc.as of 31 Dec 2023 | 77.27k | 1.65% |
| Hamilton Point Investment Advisors LLCas of 31 Dec 2023 | 38.43k | 0.82% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 36.03k | 0.77% |
| Monograph Wealth Advisors LLCas of 31 Dec 2023 | 29.64k | 0.63% |
| Geode Capital Management LLCas of 31 Dec 2023 | 23.14k | 0.49% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 16.50k | 0.35% |
| Caldwell Sutter Capital, Inc. (Investment Management)as of 31 Dec 2023 | 15.37k | 0.33% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
