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PBHC
$13.30-0.95 (-6.67%)
Market ClosedLast close May 4
Pathfinder Bancorp, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Pathfinder Bancorp, Inc. in the Financial Services sector is trading at $13.30. The stock is currently 19% below its 52-week high of $16.50, remaining 5.6% below its 200-day moving average. Technical signals show neutral RSI of 46 and bullish MACD crossover, explaining why PBHC maintains its current current market pressure. The Whystock Score of 45/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 46) — price action in range
Long-term trend bearish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$13.30
Potential Upside
5%
Whystock Fair Value$13.97
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$83.84M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
-
Beta
Defensive asset. Lower volatility than the S&P 500.
0.11
Div Yield
Strong income play. Yield provides a meaningful total return floor.
2.26%
ROE
Average efficiency. Growth may require heavy reinvestment.
-1.58%
Volume
Today's trading volume
12,892
Recent News
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.10
The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend of $0.10 per share on...
Investors in Pathfinder Bancorp (NASDAQ:PBHC) have seen respectable returns of 72% over the past five years
When you buy and hold a stock for the long term, you definitely want it to provide a positive return. But more than...
Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10
The board of Pathfinder Bancorp, Inc. ( NASDAQ:PBHC ) has announced that it will pay a dividend of $0.10 per share on...