PBHC
Pathfinder Bancorp·NASDAQ
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2.94 / 10
Underperform
PBHC's fundamental score is 2.94/10, with strengths in Total profit (YoY growth 849%) and Net assets per share growth (3.17%). However, Asset-MV is negative (-0.50), and key ratios like Revenue-MV and Profit-MV lack bullish momentum. The Gross profit margin of 36.7% is a bright spot, but the overall picture remains guarded, aligning with the 'Underperform' fundamental rating.
Analysis Checks(7/10)
Net assets per share (growth rate compared to beginning of year %)
Value3.17
Score2/3
Weight7.74%
1M Return3.75%
Value3.17
Score2/3
Weight7.74%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value76.04
Score2/3
Weight9.92%
1M Return4.63%
Value76.04
Score2/3
Weight9.92%
1M Return4.63%
Profit-MV
Value0.44
Score0/3
Weight10.03%
1M Return4.15%
Value0.44
Score0/3
Weight10.03%
1M Return4.15%
PB-ROE
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Asset-MV
Value-0.50
Score1/3
Weight14.60%
1M Return5.76%
Value-0.50
Score1/3
Weight14.60%
1M Return5.76%
Revenue-MV
Value0.16
Score0/3
Weight6.65%
1M Return3.16%
Value0.16
Score0/3
Weight6.65%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Total profit (YoY growth rate %)
Value849.24
Score3/3
Weight9.94%
1M Return4.68%
Value849.24
Score3/3
Weight9.94%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Cash-MV
Value0.14
Score2/3
Weight11.86%
1M Return5.25%
Value0.14
Score2/3
Weight11.86%
1M Return5.25%
Net assets per share (growth rate compared to beginning of year %)
Value3.17
Score2/3
Weight7.74%
1M Return3.75%
Value3.17
Score2/3
Weight7.74%
1M Return3.75%
Revenue-MV
Value0.16
Score0/3
Weight6.65%
1M Return3.16%
Value0.16
Score0/3
Weight6.65%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value76.04
Score2/3
Weight9.92%
1M Return4.63%
Value76.04
Score2/3
Weight9.92%
1M Return4.63%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Profit-MV
Value0.44
Score0/3
Weight10.03%
1M Return4.15%
Value0.44
Score0/3
Weight10.03%
1M Return4.15%
Total profit (YoY growth rate %)
Value849.24
Score3/3
Weight9.94%
1M Return4.68%
Value849.24
Score3/3
Weight9.94%
1M Return4.68%
PB-ROE
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Value1.41
Score3/3
Weight15.20%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight14.60%
1M Return5.76%
Value-0.50
Score1/3
Weight14.60%
1M Return5.76%
Cash-MV
Value0.14
Score2/3
Weight11.86%
1M Return5.25%
Value0.14
Score2/3
Weight11.86%
1M Return5.25%
Is PBHC fundamentally strong?
- PBHC scores 2.94/10 on fundamentals and holds a Premium valuation at present. Backed by its 2.23% ROE, 17.68% net margin, 46.48 P/E ratio, 0.64 P/B ratio, and 278.13% earnings growth, these metrics solidify its Underperform investment rating.
