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1. Company Snapshot

1.a. Company Description

Pathfinder Bancorp, Inc.operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York.The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits.


Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; 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.


As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County.Pathfinder Bancorp, Inc.was founded in 1859 and is headquartered in Oswego, New York.

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1.b. Last Insights on PBHC

Pathfinder Bancorp, Inc.'s recent performance was marred by a lack of significant negative drivers, as the company's fourth quarter results showcased a robust EPS of $0.69, driven by deposit growth, commercial loan expansion, and a gain from the sale of its insurance agency. However, a closer examination of recent news reveals some concerns. The company's recent earnings release for Q1 2025 was not available, but a review of recent news highlights a few areas of caution.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Comparing FFW (OTCMKTS:FFWC) & Pathfinder Bancorp (NASDAQ:PBHC)

Nov -06

Source: defenseworld.net

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Critical Analysis: Pathfinder Bancorp (NASDAQ:PBHC) vs. TFS Financial (NASDAQ:TFSL)

Oct -26

Source: defenseworld.net

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Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results

Jul -30

Source: globenewswire.com

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Pathfinder Bancorp, Inc. Declares Dividend

Jun -30

Source: globenewswire.com

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Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025

Apr -30

Source: globenewswire.com

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Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024

Jan -31

Source: globenewswire.com

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Pathfinder Bancorp, Inc. Declares Dividend

Dec -23

Source: globenewswire.com

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Pathfinder Bancorp, Inc. Declares Dividend

Sep -30

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

The Banking and Related Activities segment is expected to grow driven by increasing demand for deposit accounts, loans, and other financial products from individuals and businesses, as well as the company's strategic expansion into new markets and digital banking initiatives.

7. Detailed Products

Commercial Loans

Pathfinder Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.

Mortgage Loans

The company offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, to help individuals and families achieve their dream of homeownership.

Consumer Loans

Pathfinder Bancorp, Inc. offers personal loans, auto loans, and home equity loans to individuals, providing them with access to funds for various personal and household expenses.

Deposit Accounts

The company offers a range of deposit accounts, including checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs), to help individuals and businesses manage their finances.

Wealth Management Services

Pathfinder Bancorp, Inc. offers wealth management services, including investment advice, retirement planning, and estate planning, to help individuals and families achieve their long-term financial goals.

Cash Management Services

The company offers cash management services, including online banking, mobile banking, and treasury management, to help businesses manage their cash flow and optimize their financial performance.

8. Pathfinder Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Pathfinder Bancorp, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.

Bargaining Power Of Customers

Pathfinder Bancorp, Inc. has a diverse customer base, which reduces the bargaining power of individual customers. Additionally, the company's products and services are highly customized, making it difficult for customers to switch to competitors.

Bargaining Power Of Suppliers

Pathfinder Bancorp, Inc. relies on a few large suppliers for its operations, which gives them some bargaining power. However, the company's strong relationships with its suppliers and its ability to negotiate favorable terms mitigate this risk.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory hurdles and significant capital requirements. This makes it difficult for new entrants to compete with established players like Pathfinder Bancorp, Inc.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Pathfinder Bancorp, Inc. must continually innovate and improve its products and services to stay ahead of its competitors.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 63.25%
Debt Cost 4.56%
Equity Weight 36.75%
Equity Cost 4.56%
WACC 4.56%
Leverage 172.12%

11. Quality Control: Pathfinder Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Tompkins Financial

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Value: 6.1

Growth: 4.4

Quality: 6.3

Yield: 8.0

Momentum: 6.0

Volatility: 6.7

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Ponce Financial Group

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Growth: 5.0

Quality: 4.3

Yield: 0.0

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FVCBankcorp

A-Score: 5.0/10

Value: 6.9

Growth: 5.3

Quality: 6.8

Yield: 1.0

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A-Score: 4.9/10

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Growth: 2.6

Quality: 6.1

Yield: 5.0

Momentum: 6.0

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Pathfinder Bancorp

A-Score: 4.3/10

Value: 5.5

Growth: 3.7

Quality: 2.7

Yield: 5.0

Momentum: 2.5

Volatility: 6.7

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A-Score: 4.3/10

Value: 9.2

Growth: 0.9

Quality: 6.2

Yield: 3.0

Momentum: 1.5

Volatility: 5.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

14.11$

Current Price

14.11$

Potential

-0.00%

Expected Cash-Flows