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 27 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
138930.KSBNK Financial Group Inc.5.33%$837.7733.77%
RPI-UN.TORichards Packaging Income Fund5.33%$1.6282.84%
8956.TNTT UD REIT Investment Corporation5.32%$7,471.7960.60%
ACGLArch Capital Group Ltd.5.32%$4.9945.85%
BTTBlackrock Municipal 2030 Target Term Trust5.32%$1.2174.76%
PREV-B.STPrevas AB5.31%$5.0990.29%
000690.SZGuangdong Baolihua New Energy Stock Co., Ltd.5.30%$0.2251.75%
005830.KSDB Insurance Co., Ltd.5.29%$6,766.2625.66%
1157.HKZoomlion Heavy Industry Science and Technology Co., Ltd.5.29%$0.4189.60%
6884.TWOHighpoint Service Network Corporation5.29%$2.0256.70%
7237.KLPower Root Berhad5.29%$0.0798.68%
MCKPA.NZMillennium & Copthorne Hotels New Zealand Limited5.29%$0.0957.34%
MFCManulife Financial Corporation5.29%$1.9255.22%
CLSC3.SACentrais Elétricas de Santa Catarina S.A.5.28%$6.1235.64%
000899.SZJiangxi Ganneng Co., Ltd.5.27%$0.5253.85%
0QQN.LBucher Industries AG5.27%$19.4043.82%
601107.SSSichuan Expressway Company Limited5.27%$0.3299.95%
CRAP.PACaisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative5.27%$6.9619.09%
0IW5.LThales S.A.5.26%$7.0970.33%
AIRARABIA.AEAir Arabia PJSC5.26%$0.2575.35%
PHOR.MEPublic Joint-Stock Company PhosAgro5.26%$335.1737.65%
RBREW.CORoyal Unibrew A/S5.26%$29.5094.31%
TCELL.ISTurkcell Iletisim Hizmetleri A.S.5.26%$5.0570.22%
TLC.AXThe Lottery Corporation Limited5.26%$0.2778.26%
TTA-R.BKThoresen Thai Agencies Public Company Limited5.26%$0.2217.40%
4712.TKeyHolder, Inc.5.25%$37.1432.06%
8926.TWTaiwan Cogeneration Corporation5.25%$2.1587.97%
RJH.BKRajthanee Hospital Public Company Limited5.25%$0.6575.57%
016090.KSDaehyun Co.,Ltd.5.24%$87.5664.98%
ALGEV.PAGévelot S.A.5.24%$9.2742.01%
1209.HKChina Resources Mixc Lifestyle Services Limited5.23%$2.2571.56%
HTECH.BKHalcyon Technology Public Company Limited5.23%$0.1538.21%
002911.SZForan Energy Group Co.,Ltd.5.22%$0.6390.85%
000913.SZZhejiang Qianjiang Motorcycle Co., Ltd.5.21%$0.8077.77%
4915.TWPrimax Electronics Ltd.5.21%$3.9968.04%
601000.SSTangShan Port Group Co.,Ltd5.21%$0.2066.38%
CAFO.PACentrale d'Achat Française pour l'Outre-Mer S.A.5.21%$0.4416.81%
KBLI.JKPT KMI Wire and Cable Tbk5.21%$16.9931.01%
0QOH.Lnaturenergie holding AG5.20%$1.6927.11%
600551.SSTime Publishing and Media Co., Ltd.5.20%$0.4268.97%
8979.TStarts Proceed Investment Corporation5.20%$10,484.9163.22%
AMIN.JKPT Ateliers Mecaniques D'Indonesie Tbk5.20%$13.0170.06%
EBO.AXEBOS Group Limited5.20%$1.2245.78%
SMCB.JKPT Solusi Bangun Indonesia Tbk5.20%$40.2745.56%
5159.KLYoong Onn Corporation Berhad5.19%$0.0858.97%
603355.SSKingclean Electric Co.,Ltd5.19%$1.6597.04%
603855.SSWarom Technology Incorporated Company5.19%$1.0077.28%
8034.TWOOPNET Technologies Co., Ltd.5.19%$1.3498.92%
ALRFG.PARacing Force S.p.A.5.19%$0.2671.02%
DEME.BRDEME Group N.V.5.19%$7.4131.20%