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    Trade Pathfinder Bancorp - PBHC CFD

    12.63
    0.24%
    • Summary
    • Historical Data
    • Events
    • Income Statement
    • Balance Sheet
    • Cash Flow
    • Ownership
    Trading Conditions
    Spread 0.53
    Long position overnight fee

    Long position overnight fee

    Margin. Your investment $1,000.00
    Overnight fee -0.026346 %
    Charges from full value of position ($-5.01)
    Trade size with leverage ~ $20,000.00
    Money from leverage ~ $19,000.00
    Go to platform
    		-0.026346%
    Short position overnight fee

    Short position overnight fee

    Margin. Your investment $1,000.00
    Overnight fee 0.004124 %
    Charges from full value of position ($0.78)
    Trade size with leverage ~ $20,000.00
    Money from leverage ~ $19,000.00
    Go to platform
    		0.004124%
    Overnight fee time 22:00 (UTC)
    Min traded quantity 1
    Currency USD
    Margin 5%
    Stock exchange United States of America
    Commission on trade 0%

    *Information provided by Capital.com

    Key Stats
    Prev. Close* 12.6
    Open* 12.58
    1-Year Change* -33.79%
    Day's Range* 12.58 - 12.67
    52 wk Range 12.10-20.19
    Average Volume (10 days) 640.00
    Average Volume (3 months) 41.28K
    Market Cap 61.19M
    P/E Ratio 9.42
    Shares Outstanding 6.10M
    Revenue 64.36M
    EPS 1.38
    Dividend (Yield %) 2.77671
    Beta 0.08
    Next Earnings Date Jan 29, 2024

    All data is provided by Refinitiv, except for data marked with an asterisk, which is *data provided by Capital.com

    • Last Week
    • Last Month
    • Last Year
    • Last two Years
    • Max
    • Daily
    • Weekly
    • Monthly
    Date Close Change Change (%) Open High Low
    Dec 6, 2023 12.63 -0.03 -0.24% 12.66 12.97 12.58
    Dec 5, 2023 12.60 0.02 0.16% 12.58 12.67 12.58
    Dec 4, 2023 12.64 0.02 0.16% 12.62 12.77 12.58
    Dec 1, 2023 12.64 0.00 0.00% 12.64 12.98 12.64
    Nov 30, 2023 12.66 0.04 0.32% 12.62 12.98 12.62
    Nov 29, 2023 12.64 0.00 0.00% 12.64 12.67 12.64
    Nov 28, 2023 12.64 -0.24 -1.86% 12.88 12.88 12.62
    Nov 27, 2023 12.64 0.01 0.08% 12.63 12.68 12.62
    Nov 24, 2023 12.39 -0.23 -1.82% 12.62 12.92 12.39
    Nov 22, 2023 12.62 0.15 1.20% 12.47 12.91 12.47
    Nov 21, 2023 12.51 0.00 0.00% 12.51 12.57 12.51
    Nov 20, 2023 12.58 0.09 0.72% 12.49 12.62 12.47
    Nov 17, 2023 12.62 0.13 1.04% 12.49 12.62 12.47
    Nov 16, 2023 12.51 -0.07 -0.56% 12.58 12.77 12.51
    Nov 15, 2023 12.59 0.08 0.64% 12.51 12.62 12.51
    Nov 14, 2023 12.51 -0.21 -1.65% 12.72 12.72 12.51
    Nov 13, 2023 12.78 0.00 0.00% 12.78 12.79 12.78
    Nov 10, 2023 12.85 0.03 0.23% 12.82 13.17 12.78
    Nov 9, 2023 12.79 0.00 0.00% 12.79 12.95 12.78
    Nov 8, 2023 12.78 0.00 0.00% 12.78 12.97 12.78

    Pathfinder Bancorp Events

    Time (UTC) Country Event
    Monday, January 29, 2024

    Time (UTC)

    10:59

    Country

    US

    Event

    Q4 2023 Pathfinder Bancorp Inc (MARYLAND) Earnings Release
    Q4 2023 Pathfinder Bancorp Inc (MARYLAND) Earnings Release

    Forecast

    -

    Previous

    -
    View all events
    • Annual
    • Quarterly
    2022 2021 2020 2019 2018
    Net Income Before Taxes 15.689 16.009 8.341 5.451 4.555
    Net Income After Taxes 13.033 12.51 7.046 4.286 4.009
    Minority Interest -0.101 -0.103 -0.096 -0.01 0.022
    Net Income Before Extra. Items 12.932 12.407 6.95 4.276 4.031
    Net Income 12.932 12.407 6.95 4.276 4.031
    Total Adjustments to Net Income -2.711 -3.12 -1.545 -0.698
    Income Available to Common Excl. Extra. Items 10.221 9.287 5.405 3.578 4.031
    Income Available to Common Incl. Extra. Items 10.221 9.287 5.405 3.578 4.031
    Diluted Net Income 10.221 9.287 5.405 3.578 4.031
    Diluted Weighted Average Shares 5.939 5.223 4.608 4.464 4.266
    Diluted EPS Excluding Extraordinary Items 1.721 1.7781 1.17296 0.80152 0.94491
    Dividends per Share - Common Stock Primary Issue 0.34 0.27 0.24 0.24 0.2375
    Diluted Normalized EPS 2.19419 1.90093 2.03585 0.80152 0.94491
    Interest Income, Bank 51.098 45.827 42.507 41.758 34.81
    Total Interest Expense 9.695 7.532 10.864 13.528 9.044
    Net Interest Income 41.403 38.295 31.643 28.23 25.766
    Loan Loss Provision 1.966 1.497
    Net Interest Income after Loan Loss Provision 41.403 38.295 31.643 26.264 24.269
    Non-Interest Income, Bank 5.914 6.231 6.485 4.917 3.835
    Non-Interest Expense, Bank -31.628 -28.517 -29.787 -25.73 -23.549
    Total Extraordinary Items 0
    Jun 2023 Mar 2023 Dec 2022 Sep 2022 Jun 2022
    Net Income Before Taxes 2.505 3.344 3.941 3.964 4.068
    Net Income After Taxes 1.975 2.675 3.558 3.192 3.288
    Minority Interest 0.007 -0.076 -0.028 -0.012 -0.016
    Net Income Before Extra. Items 1.982 2.599 3.53 3.18 3.272
    Net Income 1.982 2.599 3.53 3.18 3.272
    Total Adjustments to Net Income -0.485 -0.639 -0.374 -0.789 -0.813
    Income Available to Common Excl. Extra. Items 1.497 1.96 3.156 2.391 2.459
    Income Available to Common Incl. Extra. Items 1.497 1.96 3.156 2.391 2.459
    Diluted Net Income 1.497 1.96 3.156 2.391 2.459
    Diluted Weighted Average Shares 6.019 5.989 5.966 5.944 5.929
    Diluted EPS Excluding Extraordinary Items 0.24871 0.32727 0.529 0.40225 0.41474
    Dividends per Share - Common Stock Primary Issue 0.09 0.09 0.09 0.09 0.09
    Diluted Normalized EPS 0.39804 0.4197 0.90913 0.49844 0.42278
    Interest Income, Bank 16.621 15.043 15.027 13.383 11.706
    Total Interest Expense 6.889 5.075 3.848 2.603 1.729
    Net Interest Income 9.732 9.968 11.179 10.78 9.977
    Net Interest Income after Loan Loss Provision 9.732 9.968 11.179 10.78 9.977
    Non-Interest Income, Bank 1.087 1.592 1.854 1.161 1.296
    Non-Interest Expense, Bank -8.314 -8.216 -9.092 -7.977 -7.205
    • Annual
    • Quarterly
    2022 2021 2020 2019 2018
    Total Assets 1399.92 1285.18 1227.44 1093.81 933.115
    Property/Plant/Equipment, Total - Net 24.183 23.795 24.504 25.085 20.623
    Goodwill, Net 4.536 4.536 4.536 4.536 4.536
    Intangibles, Net 0.101 0.117 0.133 0.149 0.165
    Other Assets, Total 56.37 43.669 36.363 31.605 30.549
    Accounts Payable 0.975 0.106 0.193 0.396 0.304
    Total Liabilities 1288.92 1174.89 1129.99 1003.37 868.894
    Total Long Term Debt 34.155 29.563 39.4 15.128 15.094
    Long Term Debt 29.733 29.563 39.4 15.128 15.094
    Minority Interest 0.585 0.346 0.266 0.235 0.238
    Other Liabilities, Total 9.365 9.991 9.646 9.946 7.664
    Total Equity 110.997 110.287 97.456 90.434 64.221
    Preferred Stock - Non Redeemable, Net 0.014 0.012
    Common Stock 0.061 0.06 0.045 0.047 0.044
    Additional Paid-In Capital 52.101 51.044 50.024 49.362 29.139
    Retained Earnings (Accumulated Deficit) 71.322 60.946 50.284 44.839 42.114
    ESOP Debt Guarantee -0.315 -0.495 -0.675 -0.855 -1.034
    Other Equity, Total -2.045 -1.698 -1.256 -2.971 -6.042
    Total Liabilities & Shareholders’ Equity 1399.92 1285.18 1227.44 1093.81 933.115
    Total Common Shares Outstanding 6.03211 5.98347 4.53138 4.70924 4.36233
    Total Preferred Shares Outstanding 0 1.38028 1.15528
    Long Term Investments 1.862 0.677 1.85 0.534 0.453
    Accrued Expenses 2.417 2.44 2.525 2.65
    Property/Plant/Equipment, Total - Gross 46.437 44.979 43.961
    Accumulated Depreciation, Total -22.254 -21.184 -19.457
    Unrealized Gain (Loss) -10.127 0.43 -0.98
    Other Long Term Assets, Total 3.042
    Capital Lease Obligations 4.422
    Sep 2023 Jun 2023 Mar 2023 Dec 2022 Sep 2022
    Total Assets 1400.65 1392.35 1404.27 1399.92 1396.95
    Property/Plant/Equipment, Total - Net 24.158 23.996 23.925 24.183 24.014
    Goodwill, Net 4.536 4.536 4.536 4.536 4.536
    Intangibles, Net 0.088 0.092 0.096 0.101 0.104
    Long Term Investments 3.013 2.353 2.126 1.862 1.203
    Other Assets, Total 62.721 61.336 52.511 56.37 58.91
    Accounts Payable 1.731 1.559 1.52 0.975 0.494
    Accrued Expenses 1.739 2.353 2.385 2.417 2.348
    Total Liabilities 1286.88 1278.57 1292.57 1288.92 1289.65
    Total Long Term Debt 34.258 34.222 34.188 34.155 29.689
    Long Term Debt 29.867 29.821 29.777 29.733 29.689
    Minority Interest 0.672 0.654 0.661 0.585 0.494
    Other Liabilities, Total 10.013 9.232 10.348 9.365 10.416
    Total Equity 113.77 113.775 111.7 110.997 107.301
    Preferred Stock - Non Redeemable, Net
    Common Stock 0.061 0.061 0.061 0.061 0.06
    Additional Paid-In Capital 52.963 52.645 52.207 52.101 51.603
    Retained Earnings (Accumulated Deficit) 74.282 72.664 71.236 71.322 68.563
    ESOP Debt Guarantee -0.18 -0.225 -0.27 -0.315 -0.36
    Unrealized Gain (Loss) 0.672 -9.495 -9.075 -10.127 0.519
    Other Equity, Total -14.028 -1.875 -2.459 -2.045 -13.084
    Total Liabilities & Shareholders’ Equity 1400.65 1392.35 1404.27 1399.92 1396.95
    Total Common Shares Outstanding 6.09364 6.07035 6.03211 6.03211 6.00077
    Total Preferred Shares Outstanding
    Other Long Term Assets, Total 3.042 3.042 3.042 3.042
    Capital Lease Obligations 4.391 4.401 4.411 4.422
    • Annual
    • Quarterly
    2022 2021 2020 2019 2018
    Net income/Starting Line 12.932 12.407 6.95 4.276 4.031
    Cash From Operating Activities 21.733 20.154 46.561 8.12 8.982
    Cash From Operating Activities 1.067 1.787 1.696 1.52 1.18
    Amortization 0.016 0.016 0.016 0.016 0.029
    Deferred Taxes 0.298 0.481 -0.016 0.343
    Non-Cash Items 2.461 3.701 2.721 1.221 2.35
    Cash Taxes Paid 3.218 2.46 2.65 0.75 0.662
    Cash Interest Paid 1.754 7.439 11.067 13.436 8.925
    Changes in Working Capital 4.959 1.762 35.178 1.103 1.049
    Cash From Investing Activities -131.16 -69.951 -149.223 -162.811 -52.025
    Capital Expenditures -5.209 -1.212 -1.261 -3.596 -5.692
    Other Investing Cash Flow Items, Total -125.951 -68.739 -147.962 -159.215 -46.333
    Cash From Financing Activities 107.56 43.482 125.966 148.535 47.368
    Financing Cash Flow Items 109.222 54.567 102.187 129.421 48.008
    Total Cash Dividends Paid -2.08 -1.636 -1.444 -1.245 -1.025
    Issuance (Retirement) of Stock, Net 0.418 0.551 0.223 19.787 0.385
    Issuance (Retirement) of Debt, Net 0 -10 25 0.572
    Net Change in Cash -1.867 -6.315 23.304 -6.156 4.325
    Mar 2023 Dec 2022 Sep 2022 Jun 2022 Mar 2022
    Net income/Starting Line 2.599 12.932 9.402 6.222 2.95
    Cash From Operating Activities 6.044 21.733 12.152 7.01 4.101
    Cash From Operating Activities 0.355 1.067 1.108 0.751 0.384
    Amortization 0.005 0.016 0.013 0.009 0.005
    Non-Cash Items 0.747 2.461 2.046 1.442 0.919
    Cash Taxes Paid 0 3.218 2.518 1.818 0
    Cash Interest Paid 0.493 1.754 1.452 3.163 1.499
    Changes in Working Capital 2.338 4.959 -0.417 -1.414 -0.157
    Cash From Investing Activities -10.567 -131.16 -117.358 -86.19 -47.837
    Capital Expenditures -0.168 -5.209 -1.43 -1.06 -0.635
    Other Investing Cash Flow Items, Total -10.399 -125.951 -115.928 -85.13 -47.202
    Cash From Financing Activities 1.562 107.56 112.511 80.318 43.771
    Financing Cash Flow Items 2.116 109.222 113.908 81.182 44.199
    Total Cash Dividends Paid -0.554 -2.08 -1.528 -0.978 -0.428
    Issuance (Retirement) of Stock, Net 0.418 0.131 0.114 0
    Net Change in Cash -2.961 -1.867 7.305 1.138 0.035
    Issuance (Retirement) of Debt, Net 0 0 0
    Deferred Taxes 0.298
    Investor Name Investor Type Percent Outstanding Shares Held Shares change Holdings Date Turnover Rating
    Castle Creek Capital LLC Private Equity 8.7399 409908 409908 2023-06-30 LOW
    Pathfinder Bank ESOP Corporation 8.2501 386935 -18448 2022-12-31
    Minerva Advisors LLC Investment Advisor 5.4711 256599 4950 2023-06-30 LOW
    Gagas (Adam C) Individual Investor 3.9771 186529 2500 2023-05-08 LOW
    AllianceBernstein L.P. Investment Advisor/Hedge Fund 3.4514 161871 40089 2023-06-30 LOW
    Joyce (George P) Individual Investor 2.9725 139410 1887 2023-05-30 LOW
    Oppenheimer + Close, LLC Investment Advisor/Hedge Fund 1.9556 91718 0 2023-06-30 LOW
    Tascarella (Ronald) Individual Investor 1.8453 86546 86546 2023-04-12
    Barclay (William A) Individual Investor 1.7852 83725 1762 2023-05-08 LOW
    M3F, Inc. Investment Advisor/Hedge Fund 1.7796 83466 3143 2023-06-30 LOW
    Rusnak (Walter F) Individual Investor 1.5934 74733 733 2023-09-12 LOW
    Stemple (Lloyd) Individual Investor 1.526 71570 0 2023-04-12
    Burritt (Chris R) Individual Investor 1.2087 56691 8787 2023-05-04 HIGH
    Schneider (Thomas W) Individual Investor 1.1862 55635 2161 2023-04-12
    Basswood Capital Management, LLC Hedge Fund 1.1582 54318 -15288 2023-06-30 MED
    Sharkey (John F III) Individual Investor 1.0989 51538 0 2023-04-12
    Allyn (Eric) Individual Investor 1.0745 50394 50394 2023-04-12
    Funiciello (John P) Individual Investor 0.9709 45537 8787 2023-05-04 HIGH
    Hamilton Point Investment Advisors, LLC Investment Advisor 0.8194 38429 0 2023-06-30 LOW
    Dowd (James A) Individual Investor 0.773 36255 3 2023-04-12

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    Pathfinder Bancorp Company profile

    About Pathfinder Bancorp Inc (MARYLAND)

    Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary Pathfinder Bank (the Bank). The Bank is engaged in the business of deposits from the public, and investing such deposits, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities. 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 issued by private entities. The Company has seven branch offices located in Oswego County, three branch offices in Onondaga County, and one limited purpose office in Oneida County. The Bank offers property and casualty and life insurance through its subsidiary Pathfinder Risk Management Company, Inc.

    Financial summary

    BRIEF: For the nine months ended 30 September 2021, Pathfinder Bancorp Inc (MARYLAND) interest income increased 8% to $34.6M. Net interest income after loan loss provision increased 20% to $28.6M. Net income applicable to common stockholders increased 63% to $6.4M. Net interest income after loan loss provision reflects Taxable increase of 30% to $6.2M, Loans, including fees increase of 5% to $28.1M, Dividends increase of 10% to $261K.

    Equity composition

    Common Stock $.01 Par, 12/10, 10M auth., 3,459,406 issd., less 487,287 shares in Treas. @ $6.5M. Insiders own 65.66%. Shares issd. 12/97 in reorganization of Pathfinder Bancorp MHC (Basis: 1-for-1). 2/5/98, 3-for-2 stock split. 10/14, 1.6472-for-1 Exchange offer.

    Industry: Banks (NEC)

    214 W 1st St
    OSWEGO
    NEW YORK 13126
    US

    Income Statement

    • Annual
    • Quarterly

    News

    December RBA preview: no move expected at the final meeting of 2023

    The RBA meets on Tuesday, 5th of December, 2023, at 2.30 PM (AEDT). We preview what to expect from this month’s decision.

    14:47, 4 December 2023

    CPI drops more than expected in Europe, Spain’s IBEX 35 looking to break pre-COVID highs

    CPI drops more than expected in Europe, Spain’s IBEX 35 looking to break pre-COVID highs

    12:39, 30 November 2023

    Euro Zone CPI expected to continue dropping; economists warn about cutting too soon

    EZ PI expected to drop further but speed of decline

    08:16, 29 November 2023

    A weaker Dollar drives gold higher

    Gold prices have returned above $US2000 per ounce. We run through the factors driving gold and the commodity’s key technicals.

    13:49, 28 November 2023

    Q3 US Earnings Recap: Profits surprise to the upside, but outlook remains uncertain

    US earnings for the third quarter were far better than expected. However, uncertainty about the outlook for company profits continues. We review the quarterly earnings and look ahead to what the markets expect from S&P 500 companies going forward.

    13:20, 28 November 2023

    RBNZ Preview: Rates expected to remain unchanged at final meeting of 2023

    The RBNZ meets for the final time this year on Wednesday, 29th of November, 2023. We preview what to expect and how it could impact the New Zealand Dollar.

    13:04, 28 November 2023

    Crude prices slide on OPEC+ uncertainty

    Crude prices have chopped sideways amid signs of turmoil within OPEC+. We look at the fundamentals of the oil market and the technical levels of WTI.

    12:55, 28 November 2023

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