Is Pathfinder Bancorp, Inc. (PBHC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | -1317.5% | |
| Net Margin | -11.2% | |
| Return on Equity (ROE) | -2.8% | |
| Return on Assets (ROA) | -0.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $11M |
| Free Cash Flow | $3M |
| Total Debt | $137M |
| Total Assets | $1.5B |
Price & Trading
| Last Close | $12.75 |
| 50-Day MA | $13.50 |
| 200-Day MA | $14.48 |
| Avg Volume | 3K |
| Beta | 0.1 |
|
52-Week Range
$12.06
| |
About Pathfinder Bancorp, Inc. (PBHC)
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
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Frequently Asked Questions
Is Pathfinder Bancorp, Inc. (PBHC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Pathfinder Bancorp, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Pathfinder Bancorp, Inc.'s debt ratio?
Pathfinder Bancorp, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Pathfinder Bancorp, Inc.'s key financial metrics?
Pathfinder Bancorp, Inc. has a market capitalization of $79M, and revenue of $46M. Return on equity stands at -2.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.