MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
PBHC
Pathfinder Bancorp, Inc.
There isn't enough reported data to score PBHC yet.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
PBHC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PBHC's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBHC.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
PBHC PE Valuation
PBHC has no meaningful PE right now: it lost money over the past year.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
PBHC Forward outlook
There aren't enough analyst estimates for PBHC to show an outlook.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over PBHC in the latest year-over-year earnings comparison.
PBHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2021 | $1.24 | +28% |
| Q4 2020 | $1.17 | +46% |
| Q3 2020 | $1.20 | +71% |
PBHC's earnings per share have climbed steadily: $1.24 over the past year, up 28% from the year before, and higher year over year every quarter since late 2020.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
PBHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $11.8M | -23% |
| Q4 2024 | $15.3M | +46% |
| Q4 2021 | $11.1M | +16% |
| Q1 2021 | $10.4M | +9.2% |
| Q4 2020 | $9.6M | +5.9% |
| Q3 2020 | $9.8M | +15% |
PBHC has the edge over MS in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -72% | -110 points |
| Q4 2024 | 38% | +7.4 points |
| Q4 2023 | 30% | N/A |
| Q4 2021 | 45% | +24 points |
| Q1 2021 | 26% | +3.1 points |
| Q4 2020 | 20% | -4.6 points |
| Q3 2020 | 19% | +0.3 points |
| Q2 2020 | 25% | N/A |
PBHC's operating margin was −72% last quarter, down 98 points from the same quarter a year ago, near the bottom of its range since 2019.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
PBHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $2.4M | +$5.5M |
| Q4 2024 | -$3.1M | -138% |
| Q4 2021 | $4.3M | +172% |
| Q1 2021 | $2.9M | -92% |
| Q4 2020 | $1.6M | +78% |
| Q3 2020 | $3.8M | +31% |
PBHC's free cash flow was $12M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PBHC.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over PBHC on shareholder dilution, with a more favorable share count trend.
PBHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +26.1K shares |
| 1 year | +6.8% | +303K shares |
PBHC has 5M diluted shares, up 6.8% from a year ago.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
PBHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 7.1x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 5.6x | High |
| Q1 2020 | 5.1x | High |
| Q4 2019 | 12.1x | High |
| Q3 2019 | 10.3x | High |
PBHC's net debt is about 7.1 years of its operating earnings (EBITDA), up from 5.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PBHC.
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
PBHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.2 | Neutral |
| Stochastic | 47.9 | Neutral |
PBHC's weekly RSI is 55 (neutral) and its Stochastic is 48 (neutral).
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
PBHC PE vs Financial Services Sector
| Metric | PBHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PBHC has no meaningful PE right now: it lost money over the past year.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
PBHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 1.5% below |
| 20 week MA | $16.6 | 0.4% above |
| 50 week MA | $15.0 | 11% above |
| 100 week MA | $15.3 | 9.1% above |
| 200 week MA | $15.0 | 12% above |
PBHC has the edge over MS on trend strength, trading above more of its moving averages.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.
PBHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.4 | -18% |
| 2021 | $11.4 | $17.0 | +49% |
| 2022 | $17.0 | $18.5 | +8.8% |
| 2023 | $18.5 | $14.0 | -24% |
| 2024 | $14.0 | $17.6 | +25% |
| 2025 | $17.6 | $13.7 | -22% |
| 2026 YTD | $13.7 | $16.7 | +22% |
PBHC has the edge over MS on returns for 2026, with the stronger performance.