DDM Analysis: PBHC

Valuation Snapshot

Stable Growth	$195.63 - $289.26	$271.08
Multi-Stage	$47.62 - $52.15	$49.84
Blended Fair Value	$160.46
Current Price	$15.68
Upside	923.34%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	16.86%	22.36%	0.50	0.46	0.43	0.30	0.24	0.23	0.22	0.19	0.18	0.13
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	1.38	0.86	0.52
Cash Retained (M)	5.09	5.09	5.09
(-) Cash Required (M)	-1.38	-0.86	-0.52
(=) Excess Retained (M)	3.71	4.22	4.57
(/) Shares Outstanding (M)	4.75	4.75	4.75
(=) Excess Retained per Share	0.78	0.89	0.96
LTM Dividend per Share	0.38	0.38	0.38
(+) Excess Retained per Share	0.78	0.89	0.96
(=) Adjusted Dividend	1.16	1.27	1.35
WACC / Discount Rate	6.13%	6.13%	6.13%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$195.63	$271.08	$289.26
Upside / Downside	1,147.66%	1,628.81%	1,744.75%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	6.91	7.36	7.84	8.35	8.89	9.47	9.75
Payout Ratio	26.39%	39.11%	51.83%	64.56%	77.28%	90.00%	92.50%
Projected Dividends (M)	1.82	2.88	4.06	5.39	6.87	8.52	9.02

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.13%	6.13%	6.13%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	2.69	2.71	2.74
Year 2 PV (M)	3.54	3.61	3.68
Year 3 PV (M)	4.38	4.51	4.64
Year 4 PV (M)	5.22	5.42	5.62
Year 5 PV (M)	6.04	6.33	6.63
PV of Terminal Value (M)	204.41	214.29	224.54
Equity Value (M)	226.28	236.86	247.85
Shares Outstanding (M)	4.75	4.75	4.75
Fair Value	$47.62	$49.84	$52.15
Upside / Downside	203.67%	217.87%	232.61%

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005680.KS	Samyoung Electronics Co., Ltd	2.89%	$300.77	49.07%
600526.SS	Zhejiang Feida Environmental Science & Technology Co., Ltd.	2.89%	$0.15	48.23%
601377.SS	Industrial Securities Co.,Ltd.	2.89%	$0.21	55.11%
688697.SS	Neway CNC Equipment (Suzhou) Co., Ltd.	2.89%	$0.44	66.80%
7738.TWO	Eui	2.89%	$5.50	39.18%
AMXB.MX	América Móvil, S.A.B. de C.V.	2.89%	$0.54	43.68%
OMASP.HE	Oma Säästöpankki Oyj	2.89%	$0.36	25.24%
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3357.TWO	TAI-TECH Advanced Electronics Co., Ltd.	2.88%	$4.61	48.95%
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PAX	Patria Investments Limited	2.88%	$0.46	66.16%
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2233.HK	West China Cement Limited	2.87%	$0.09	38.77%
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Pathfinder Bancorp, Inc. (PBHC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener