Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Pathfinder Bancorp, Inc. (PBHC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$34.12 - $90.51$52.17
Multi-Stage$23.41 - $25.57$24.47
Blended Fair Value$38.32
Current Price$15.68
Upside144.40%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS16.86%22.36%0.500.460.430.300.240.230.220.190.180.13
YoY Growth--8.73%7.36%43.35%24.98%4.22%6.44%15.95%2.08%42.20%92.72%
Dividend Yield--3.04%3.77%2.48%1.36%1.63%2.15%1.65%1.20%1.25%1.16%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)6.91
(-) Cash Dividends Paid (M)1.82
(=) Cash Retained (M)5.09
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)1.380.860.52
Cash Retained (M)5.095.095.09
(-) Cash Required (M)-1.38-0.86-0.52
(=) Excess Retained (M)3.714.224.57
(/) Shares Outstanding (M)4.754.754.75
(=) Excess Retained per Share0.780.890.96
LTM Dividend per Share0.380.380.38
(+) Excess Retained per Share0.780.890.96
(=) Adjusted Dividend1.161.271.35
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.50%6.50%7.50%
Fair Value$34.12$52.17$90.51
Upside / Downside117.59%232.72%477.21%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)6.917.367.848.358.899.479.75
Payout Ratio26.39%39.11%51.83%64.56%77.28%90.00%92.50%
Projected Dividends (M)1.822.884.065.396.878.529.02

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)2.612.642.66
Year 2 PV (M)3.353.413.48
Year 3 PV (M)4.044.154.27
Year 4 PV (M)4.674.855.04
Year 5 PV (M)5.265.515.78
PV of Terminal Value (M)91.3295.73100.31
Equity Value (M)111.25116.30121.54
Shares Outstanding (M)4.754.754.75
Fair Value$23.41$24.47$25.57
Upside / Downside49.30%56.08%63.10%

High-Yield Dividend Screener

« Prev Page 22 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
0K58.LNOV Inc.1.29%$0.2015.83%
CONConcentra Group Holdings Parent, Inc.1.29%$0.2520.88%
CSGSCSG Systems International, Inc.1.28%$0.9832.90%
CSLCarlisle Companies Incorporated1.28%$4.2023.23%
JKHYJack Henry & Associates, Inc.1.28%$2.2934.69%
MSAMSA Safety Incorporated1.28%$2.0829.19%
PAHCPhibro Animal Health Corporation1.28%$0.4828.68%
WMGWarner Music Group Corp.1.28%$0.3961.67%
0K4C.LNRG Energy, Inc.1.27%$2.1028.38%
DCIDonaldson Company, Inc.1.27%$1.1435.14%
TEXTerex Corporation1.27%$0.7029.49%
BCCBoise Cascade Company1.26%$0.9318.09%
BCMLBayCom Corp1.25%$0.3616.94%
MSCIMSCI Inc.1.25%$7.0744.68%
PRMWPrimo Water Corporation1.25%$0.3561.28%
ESIElement Solutions Inc1.24%$0.3232.50%
LECOLincoln Electric Holdings, Inc.1.23%$3.0031.76%
MCRIMonarch Casino & Resort, Inc.1.23%$1.1826.69%
PBI-PBPitney Bowes Inc. NT 431.23%$0.2561.37%
RJFRaymond James Financial, Inc.1.23%$2.0119.48%
WFRDWeatherford International plc1.23%$1.0017.78%
AMPAmeriprise Financial, Inc.1.22%$6.0416.30%
BRCBrady Corporation1.22%$0.9623.25%
GCBCGreene County Bancorp, Inc.1.21%$0.2613.26%
RICKRCI Hospitality Holdings, Inc.1.21%$0.2815.00%
ABCAmerisourceBergen Corporation1.20%$2.2528.12%
EQBKEquity Bancshares, Inc.1.20%$0.5458.24%
HMNFHMN Financial, Inc.1.20%$0.3428.27%
IBPInstalled Building Products, Inc.1.20%$3.2234.18%
CHHChoice Hotels International, Inc.1.19%$1.1513.93%
EQCEquity Commonwealth1.19%$0.028.60%
FLSFlowserve Corporation1.19%$0.8424.35%
ICEIntercontinental Exchange, Inc.1.19%$1.9033.71%
LNNLindsay Corporation1.19%$1.4421.27%
INGMIngram Micro Holding Corporation1.18%$0.2520.42%
RBARB Global, Inc.1.18%$1.2252.13%
SEICSEI Investments Company1.18%$0.9817.66%
HEESH&E Equipment Services, Inc.1.17%$1.1144.29%
WSFSWSFS Financial Corporation1.17%$0.6413.17%
ASTEAstec Industries, Inc.1.16%$0.5224.84%
GFGDThe Growth for Good Acquisition Corporation1.16%$0.1242.35%
HUBGHub Group, Inc.1.16%$0.5028.58%
NWSNews Corporation1.16%$0.3516.79%
FCXFreeport-McMoRan Inc.1.15%$0.6041.87%
GFFGriffon Corporation1.15%$0.8677.66%
LHLabcorp Holdings Inc.1.15%$2.8928.24%
YAFIXAMG Funds - AMG Yacktman Focused Fund1.15%$0.2227.84%
0L1G.LSS&C Technologies Holdings, Inc.1.14%$0.9929.41%
0M29.LXylem Inc.1.14%$1.5640.08%
DHID.R. Horton, Inc.1.14%$1.6613.80%