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Pathfinder Bancorp, Inc.

ID: PBHC SECTOR: Financial Services INDUSTRY: Banks - Regional
13.57
+0.16 (1.19%)
Ref: 2026-04-14
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Dividend Discount Models Snapshot

ModelRangeSelected
Stable Growth DDM $0.00 $-6.72
Multi-Stage DDM $-6.41 - $-7.03 $-6.71
Blended Fair Value $-6.71
Stock Price$13.73

Dividend History (Last 10 Years)

Metric 2025202420232022202120202019201820172016
DPS 0.0000.3900.4700.4470.3580.3120.2760.2400.2110.218
YoY % -100.00%-16.98%5.19%24.97%14.57%13.25%14.67%13.88%-3.38%23.85%
Yield 0.00%2.84%3.42%3.25%2.60%2.27%2.01%1.75%1.54%1.59%

CAGRValue
5 Year-100.00%
10 Year-100.00%

Discounted Dividend Model - Stable Growth

MetricRangeSelected
LT Growth 0.86% to 2.86% 1.86%
WACC9.00%9.00%
Fair Value $-5.33 - $-8.34 $-6.72

Calculation Details (Millions)

MetricLOWBASEHIGH
Required Retention Ratio 20.0% 12.5% 7.5%
(*) Adjusted Net Income -3.42 -3.42 -3.42
(=) Cash Required -0.68 -0.43 -0.26
(=) Excess Retained per Share -0.43 -0.47 -0.50
LTM Dividend per Share 0.000 0.000 0.000
(=) Adjusted Dividend -0.431 -0.471 -0.498

Multi-Stage Projections (BASE Case - Millions)

MetricTTMYear 1Year 2Year 3Year 4Year 5
Net Income -3.42 -3.48-3.55-3.61-3.68-3.75
Projected Dividends 0.00 -0.87-1.45-2.06-2.69-3.37

Multi-Stage Valuation (Millions)

Present ValuesLOWBASEHIGH
Year 1 PV -0.83 -0.83 -0.84
Year 2 PV -1.25 -1.28 -1.30
Year 3 PV -1.61 -1.66 -1.71
Year 4 PV -1.91 -1.99 -2.07
Year 5 PV -2.18 -2.29 -2.40
TV PV -32.90 -34.56 -36.29
Equity Value -40.67 -42.61 -44.61
Fair Value $-6.41 $-6.71 $-7.03

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