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Pathfinder Bancorp (PBHC)

(Delayed Data from NSDQ)

$12.66 USD

12.66
195

+0.03 (0.23%)

Updated Apr 26, 2024 10:37 AM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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NA Value NA Growth NA Momentum NA VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Bottom 29% (178 out of 252)

Industry: Financial - Savings and Loan

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Balance Sheet

Fiscal Year End for Pathfinder Bancorp, Inc falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 61 43 42 50 26
Receivables 889 889 824 816 741
Notes Receivable 0 0 0 0 0
Inventories 0 0 1 2 36
Other Current Assets 0 0 0 0 0
Total Current Assets 949 932 866 867 802
Net Property & Equipment 18 18 22 22 23
Investments & Advances 438 386 352 299 234
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 5 5 5 5 5
Deposits & Other Assets 50 53 39 32 28
Total Assets 1,466 1,400 1,285 1,227 1,094
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 156 90 42 43 40
Accounts Payable 1,120 1,125 1,055 996 882
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 2 1 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 1,278 1,216 1,098 1,040 923
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 50 56 65 78 68
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 16 14 10 10 10
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 1,346 1,288 1,175 1,130 1,003
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 0 0 0 0 0
Capital Surplus 53 52 51 50 49
Retained Earnings 76 71 61 50 45
Other Equity -9 -12 -1 -3 -4
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 120 112 111 98 91
Total Liabilities & Shareholder's Equity 1,466 1,400 1,285 1,227 1,094
Total Common Equity 120 112 111 98 91
Shares Outstanding 4.70 4.60 4.50 4.50 4.70
Book Value Per Share 25.59 24.26 24.58 21.71 19.29

Fiscal Year End for Pathfinder Bancorp, Inc falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -99,999 61 33 46 40
Receivables NA 889 887 878 898
Notes Receivable NA 0 0 0 0
Inventories NA 0 0 0 0
Other Current Assets NA 0 0 0 0
Total Current Assets NA 949 920 924 938
Net Property & Equipment NA 18 18 18 18
Investments & Advances NA 438 392 381 388
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 0 0 0 0
Intangibles NA 5 5 5 5
Deposits & Other Assets NA 50 59 58 50
Total Assets NA 1,466 1,401 1,392 1,404
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable NA 156 87 99 73
Accounts Payable NA 1,120 1,128 1,101 1,144
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 2 2 2 2
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 1,278 1,216 1,202 1,219
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 50 54 60 56
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 14 14 15
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 1,346 1,286 1,278 1,292
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 0 0 0 0
Common Stock (Par) NA 0 0 0 0
Capital Surplus NA 53 53 53 52
Retained Earnings NA 76 74 73 71
Other Equity NA -9 -13 -11 -11
Treasury Stock NA 0 0 0 0
Total Shareholder's Equity NA 120 114 114 112
Total Liabilities & Shareholder's Equity NA 1,466 1,401 1,392 1,404
Total Common Equity 0 120 114 114 112
Shares Outstanding 4.70 4.70 4.60 4.60 4.60
Book Value Per Share 0.00 25.59 24.88 24.88 24.43