Pathfinder Bancorp, Inc. (PBHC) is a Banks - Regional company in the Financial Services sector, currently trading at $13.57. It has a SharesGrow Score of 49/100, indicating a mixed investment profile with 1 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of PBHC = $29.44 (+116.9% from the current price, the stock appears undervalued).
Valuation: PBHC trades at a trailing Price-to-Earnings (P/E) of -25.3 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.18.
Financials: revenue is $79M, +12.8%/yr average growth. Net income is $3M (loss), growing at -97.6%/yr. Net profit margin is -4.3% (negative). Gross margin is 38.5% (-39.4 pp trend).
Balance sheet: total debt is $107M against $121M equity (Debt-to-Equity (D/E) ratio 0.89, moderate). Current ratio is 26.41 (strong liquidity). Debt-to-assets is 7.5%. Total assets: $1.4B.
SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 48/100 (Partial), Past 75/100 (Partial), Health 50/100 (Partial), Moat 21/100 (Fail), Future ?/100 (Fail), Income 10/100 (Fail).
