PBHC Pathfinder Bancorp, Inc. - Common Stock

NASDAQ · Banking · Ver en SEC EDGAR ↗
$13,55
Precio · May 19, 2026
Fundamentales a fecha de May 15, 2026

PBHC Instantánea de la Acción Precio, capitalización bursátil, P/E, BPA, ROE, deuda/capital, rango de 52 semanas

Precio
$13.55
Capitalización Bursátil
$67M
P/E (TTM)
BPA (TTM)
Ingresos (TTM)
Rendimiento div.
2.9%
ROE
-1.6%
Deuda/Capital
0.5
Rango 52S
$12 – $17

PBHC Gráfico del Precio de la Acción OHLCV diario con indicadores técnicos — desplace, amplíe y personalice su vista

Rendimiento a 10 años Tendencias de ingresos, beneficio neto, márgenes y BPA

Ingresos y Beneficio Neto
BPA
5-point trend, +50.0%
2016-12-31 2020-12-31
Flujo de caja libre $10M
9-point trend, +108.0%
2016-12-31 2025-12-31
Márgenes -4.1%

Valoración Ratios P/E, P/S, P/B, EV/EBITDA: ¿está la acción cara o barata?

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares
P/S (TTM) (P/V (TTM))
5-point trend, +4.8%
1.4
1.8
P/B (P/C)
5-point trend, +2.4%
0.5
1.0
Price / FCF (Precio / FCF)
5-point trend, +459.7%
6.4

Rentabilidad Márgenes brutos, operativos y netos; ROE, ROA, ROIC

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares
Net Profit Margin (Margen de Beneficio Neto)
5-point trend, -114.8%
-4.1%
23.8%
ROA
5-point trend, -113.1%
-0.13%
0.71%
ROE
5-point trend, -113.2%
-1.6%
8.2%

Salud financiera Deuda, liquidez, solvencia — solidez del balance general

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares
Debt / Equity (Deuda / Patrimonio)
5-point trend, -32.2%
0.5
18.8

Crecimiento Crecimiento de ingresos, BPA y beneficio neto: interanual, CAGR a 3 años, CAGR a 5 años

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares
Revenue YoY (Ingresos interanuales)
-7.4%
Revenue CAGR 3Y (Ingresos CAGR 3A)
-0.34%
Revenue CAGR 5Y (Ingresos CAGR 5A)
4.2%
Net Income YoY (Beneficio Neto interanual)
5-point trend, -115.6%
-63.6%

Métricas por acción BPA, valor contable por acción, flujo de caja por acción, dividendo por acción

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares

Eficiencia de capital Rotación de activos, rotación de inventario, rotación de cuentas por cobrar

Métrica
Tendencia a 5 años
PBHC
Mediana de Pares
Payout Ratio (Ratio de Pago)
5-point trend, -1098.1%
-98.7%

Dividendos Rendimiento, ratio de pago, historial de dividendos, CAGR a 5 años

Rendimiento por Dividendo
2.9%
Ratio de Pago
-98.7%
CAGR de Dividendos a 5 años
Fecha ex-dividendoMonto
17 de abril de 2026$0,1000
16 de enero de 2026$0,1000
17 de octubre de 2025$0,1000
18 de julio de 2025$0,1000
17 de abril de 2025$0,1000
17 de enero de 2025$0,1000
18 de octubre de 2024$0,1000
19 de julio de 2024$0,1000
18 de abril de 2024$0,1000
11 de enero de 2024$0,0900
19 de octubre de 2023$0,0900
20 de julio de 2023$0,0900
21 de abril de 2023$0,0900
13 de enero de 2023$0,0900
13 de octubre de 2022$0,0900
14 de julio de 2022$0,0900
21 de abril de 2022$0,0900
13 de enero de 2022$0,0700
14 de octubre de 2021$0,0700
15 de julio de 2021$0,0700

Historial de Ganancias EPS real vs estimado, sorpresa %, tasa de aciertos, próxima fecha de resultados

Período EPS Actual EPS est. Sorpresa
31 de diciembre de 2025 $-1.11
30 de septiembre de 2024 $-0.75
30 de junio de 2024 $0.32
31 de marzo de 2024 $0.34

Comparación con pares Métricas clave frente a competidores del sector

Ticker Capitalización Bursátil P/E Ingresos interanuales Margen Neto ROE Margen Bruto
PBHC $67M -7.4% -4.1% -1.6%
UBCP 10.7 6.7%

Fundamentales Completos Todas las métricas por año — estado de resultados, balance general, flujo de caja

Estado de resultados 10
Datos anuales de Estado de resultados para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
SG&A Expense 12-point trend, +90.8% $475.0K $539.0K $735.0K $688.0K $725.0K $507.0K $427.0K $422.0K $353.0K $329.0K $268.0K $249.0K
Interest Expense 10-point trend, +999.6% · · $29M $10M $8M $11M $14M $9M $6M $4M $3M $3M
Interest Income 12-point trend, +289.1% $77M $78M $68M $51M $46M $43M $42M $35M $29M $24M $21M $20M
Pretax Income 12-point trend, -203.5% $-4M $5M $12M $16M $16M $8M $5M $5M $4M $4M $4M $4M
Income Tax 12-point trend, -287.3% $-2M $332.0K $2M $3M $3M $3M $1M $546.0K $922.0K $1M $1M $1M
Net Income 12-point trend, -169.0% $-2M $3M $9M $13M $12M $7M $4M $4M $3M $3M $3M $3M
EPS (Basic) 7-point trend, +82.8% · · · · · $1.17 $0.80 $0.97 $0.86 $0.79 $0.67 $0.64
EPS (Diluted) 7-point trend, +85.7% · · · · · $1.17 $0.80 $0.94 $0.83 $0.78 $0.66 $0.63
Shares (Basic) 7-point trend, +10.9% · · · · · 4,608,000 4,464,000 4,171,000 4,081,000 4,105,000 4,124,000 4,156,000
Shares (Diluted) 7-point trend, +9.7% · · · · · 4,608,000 4,464,000 4,266,000 4,189,000 4,190,000 4,191,000 4,200,000
Balance general 20
Datos anuales de Balance general para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Cash & Equivalents 4-point trend, +93.7% · · · · · · · · $22M $22M $15M $11M
PP&E (Net) 12-point trend, +36.4% $18M $19M $18M $18M $22M $22M $23M $21M $16M $15M $15M $13M
PP&E (Gross) 12-point trend, +74.8% $44M $44M $42M $40M $43M $42M $40M $37M $31M $29M $28M $25M
Accum. Depreciation 12-point trend, +116.3% $26M $25M $24M $22M $21M $19M $18M $16M $15M $14M $13M $12M
Goodwill 12-point trend, +15.8% $5M $5M $5M $5M $5M $5M $5M $5M $5M $5M $5M $4M
Intangibles 12-point trend, +2964.0% $5M $6M $85.0K $101.0K $117.0K $133.0K $149.0K $165.0K $182.0K $198.0K $214.0K $175.0K
Total Assets 12-point trend, +154.3% $1.43B $1.47B $1.47B $1.40B $1.29B $1.23B $1.09B $933M $881M $749M $623M $561M
Short-term Debt 12-point trend, -20.1% $44M $61M $126M $60M $12M $4M $25M $39M $31M $42M $25M $55M
Deferred Tax 2-point trend, -37.9% · · · · · · · · · · $382.0K $615.0K
Total Liabilities 12-point trend, +165.2% $1.30B $1.35B $1.35B $1.29B $1.17B $1.13B $1.00B $869M $819M $691M $552M $492M
Long-term Debt 2-point trend, +50.0% · · · · · · · · · · $16M $11M
Total Debt 11-point trend, +5.4% $58M $88M $176M $116M $77M $82M · $119M $74M $59M $25M $55M
Common Stock 7-point trend, +2.3% · · · · · $45.0K $47.0K $44.0K $43.0K $43.0K $44.0K $44.0K
Paid-in Capital 12-point trend, +90.6% $54M $53M $53M $52M $51M $50M $49M $29M $28M $27M $29M $29M
Retained Earnings 12-point trend, +136.0% $73M $78M $76M $71M $61M $50M $45M $42M $39M $36M $33M $31M
Treasury Stock · · · · · · · · · · · $0
AOCI 12-point trend, -153.3% $-5M $-9M $-10M $-12M $-1M $-2M $-3M $-6M $-4M $-4M $-3M $-2M
Stockholders' Equity 12-point trend, +78.0% $122M $121M $119M $111M $110M $97M $90M $64M $62M $58M $71M $69M
Liabilities + Equity 12-point trend, +154.3% $1.43B $1.47B $1.47B $1.40B $1.29B $1.23B $1.09B $933M $881M $749M $623M $561M
Shares Outstanding 12-point trend, +9.0% 4,745,366 4,745,366 4,719,288 4,651,829 5,983,467 4,531,383 4,709,238 4,362,328 4,280,227 4,236,744 4,353,850 4,353,850
Flujo de Efectivo 16
Datos anuales de Flujo de Efectivo para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Deferred Tax 12-point trend, -1100.3% $-4M $-417.0K $-367.0K $139.0K $481.0K $-139.0K $-16.0K $343.0K $-100.0K $-249.0K $116.0K $352.0K
Amort. of Intangibles 12-point trend, +4675.0% $573.0K $258.0K $16.0K $16.0K $16.0K $16.0K $16.0K $17.0K $16.0K $16.0K $16.0K $12.0K
Operating Cash Flow 12-point trend, +132.3% $12M $11M $15M $22M $20M $47M $8M $9M $7M $6M $6M $5M
CapEx 12-point trend, -46.6% $1M $2M $2M $2M $1M $1M $4M $6M $2M $1M $3M $2M
Investing Cash Flow 9-point trend, +130.2% $40M $-22M $-55M $-131M $-70M $-149M $-163M $-52M $-134M · · ·
Debt Issued 12-point trend, +10889000.00 $11M $11M $6M $9M $13M $40M $20M $38M $33M $4M $18M $0
Net Debt Issued 11-point trend, -122.0% $-13M $-23M $-6M $-9M $-13M $10M · $36M $26M $500.0K $6M $-6M
Stock Issued 2-point trend, -100.0% · · · · · · · · · · $0 $25M
Stock Repurchased 3-point trend, +0.00 · · · · · · · · $0 $2M $0 ·
Net Stock Activity 4-point trend, -100.0% · · · · · · · · $0 $-2M $0 $25M
Dividends Paid 12-point trend, +503.8% $2M $2M $2M $2M $1M $1M $1M $1M $884.0K $866.0K $609.0K $316.0K
Financing Cash Flow 9-point trend, -141.5% $-53M $-6M $53M $108M $43M $126M $149M $47M $127M · · ·
Net Change in Cash 12-point trend, +92.3% $-402.0K $-17M $13M $-2M $-6M $23M $-6M $4M $-428.0K $7M $4M $-5M
Taxes Paid 2-point trend, -16.7% $500.0K $600.0K · · · · · · · · · ·
Free Cash Flow 11-point trend, +290.7% $10M $9M $13M $20M $19M $45M · $3M $5M $5M $4M $3M
Levered FCF 9-point trend, -1268.7% · · $-10M $12M $13M $36M · $-5M $-88.3K $2M $2M $814.3K
Rentabilidad 4
Datos anuales de Rentabilidad para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Net Margin 11-point trend, -130.7% -4.1% 6.7% 21.1% 27.3% 27.9% 18.2% · 13.6% 12.8% 13.4% 12.8% 13.4%
Pretax Margin 11-point trend, -146.1% -8.7% 10.2% 26.7% 33.2% 35.9% 21.9% · 15.4% 15.9% 18.0% 17.4% 19.0%
ROA 11-point trend, -124.5% -0.13% 0.23% 0.65% 0.96% 0.99% 0.60% · 0.44% 0.43% 0.48% 0.50% 0.53%
ROE 11-point trend, -131.5% -1.6% 2.8% 8.1% 11.7% 11.9% 7.4% · 6.4% 5.8% 5.1% 4.2% 5.0%
Liquidez y Solvencia 2
Datos anuales de Liquidez y Solvencia para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Debt / Equity 11-point trend, -40.8% 0.5 0.7 1.5 1.0 0.7 0.8 · 1.8 1.2 1.0 0.4 0.8
LT Debt / Equity 9-point trend, -60.9% 0.1 0.2 0.4 0.5 0.6 0.8 · 1.2 0.7 0.3 · ·
Eficiencia 1
Datos anuales de Eficiencia para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Asset Turnover 11-point trend, -17.6% 0.0 0.0 0.0 0.0 0.0 0.0 · 0.0 0.0 0.0 0.0 0.0
Por Acción 6
Datos anuales de Por Acción para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Book Value / Share 10-point trend, +63.3% $25.80 $25.74 $25.32 · $18.43 $21.51 · $14.72 $14.44 $13.67 $16.26 $15.81
Revenue / Share 6-point trend, +66.7% · · · · · $8.27 · $6.94 $6.52 $5.84 $5.47 $4.96
Cash Flow / Share 6-point trend, +744.2% · · · · · $10.10 · $2.11 $1.63 $1.52 $1.51 $1.20
Cash / Share 4-point trend, +96.9% · · · · · · · · $5.14 $5.29 $3.50 $2.61
Dividend / Share 12-point trend, +233.3% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
EPS (TTM) 10-point trend, +92.1% · · $1.21 $1.21 $1.21 $1.17 $0.80 $0.94 $0.83 $0.78 $0.66 $0.63
Tasas de Crecimiento 6
Datos anuales de Tasas de Crecimiento para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, -143.9% -7.4% 14.6% -6.8% 6.3% 16.8% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -106.8% -0.34% 4.3% 5.0% · · · · · · · · ·
Revenue CAGR 5Y 4.2% · · · · · · · · · · ·
Net Income YoY 4-point trend, -181.0% · -63.6% -28.1% 4.2% 78.5% · · · · · · ·
Net Income CAGR 3Y 2-point trend, -445.6% · -35.1% 10.2% · · · · · · · · ·
Dividend CAGR 5Y 10.9% · · · · · · · · · · ·
Valoración (TTM) 16
Datos anuales de Valoración (TTM) para PBHC
Métrica Tendencia 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +124.7% $47M $51M $44M $47M $45M $38M $33M $30M $27M $24M $23M $21M
Net Income TTM 12-point trend, -169.0% $-2M $3M $9M $13M $12M $7M $4M $4M $3M $3M $3M $3M
Market Cap 10-point trend, +57.0% $67M $83M $66M · $103M $52M · $68M $66M $57M $56M $43M
Enterprise Value 4-point trend, +36.4% · · · · · · · · $118M $94M $66M $86M
P/E 10-point trend, -25.6% · · 11.6 15.8 14.2 9.8 17.4 16.7 18.6 17.3 19.5 15.6
P/S 10-point trend, -30.1% 1.4 1.6 1.5 · 2.3 1.4 · 2.3 2.4 2.3 2.4 2.0
P/B 10-point trend, -11.8% 0.5 0.7 0.6 · 0.9 0.5 · 1.1 1.1 1.0 0.8 0.6
P / Tangible Book 5-point trend, +6.6% 0.6 0.7 0.6 · 1.0 0.6 · · · · · ·
P / Cash Flow 10-point trend, -32.4% 5.7 7.4 4.3 · 5.1 1.1 · 7.6 9.6 9.0 8.9 8.5
P / FCF 10-point trend, -59.8% 6.4 9.0 4.9 · 5.4 1.1 · 20.8 13.5 11.4 15.3 16.0
EV / FCF 4-point trend, -25.3% · · · · · · · · 24.2 18.7 17.9 32.4
EV / Revenue 4-point trend, +4.5% · · · · · · · · 4.3 3.8 2.9 4.1
Dividend Yield 10-point trend, +285.1% 2.9% 2.2% 2.6% · 1.2% 2.2% · 1.5% 1.3% 1.5% 1.1% 0.74%
Earnings Yield 10-point trend, +34.4% · · 8.6% 6.3% 7.0% 10.2% 5.8% 6.0% 5.4% 5.8% 5.1% 6.4%
Payout Ratio 11-point trend, -975.1% -98.7% 54.4% 18.2% 12.1% 9.9% 16.4% · 25.4% 25.3% 26.5% 20.8% 11.3%
Annual Payout 12-point trend, +503.8% $2M $2M $2M $2M $1M $1M $1M $1M $884.0K $866.0K $609.0K $316.0K

Estados Financieros Estado de resultados, balance general, flujo de caja — anual, últimos 5 años

Estado de resultados
2025-12-312024-12-312023-12-312022-12-312021-12-31
Beneficio neto $-2M$3M$9M$13M$12M
Balance general
2025-12-312024-12-312023-12-312022-12-312021-12-31
Deuda / Patrimonio 0.50.71.51.00.7
Flujo de Efectivo
2025-12-312024-12-312023-12-312022-12-312021-12-31
Flujo de caja libre $10M$9M$13M$20M$19M

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