Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
PBHC Stock Chart & Stats
$14.00
-$0.91(-5.24%)
At close: 4:00 PM EST
$14.00
-$0.91(-5.24%)
Day’s Range― - ―
52-Week Range$12.06 - $16.50
Previous CloseN/A
Volume26.37K
Average Volume (3M)6.34K
Market Cap
$82.62M
Enterprise Value$177.42M
Total Cash (Recent Filing)$288.34M
Total Debt (Recent Filing)$107.23M
Price to Earnings (P/E)―
Beta>-0.01
Next Earnings
May 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.86%
Share Statistics
EPS (TTM)-0.28
Shares Outstanding4,876,213
10 Day Avg. Volume9,853
30 Day Avg. Volume6,336
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.73
Price to Sales (P/S)1.12
P/FCF Ratio8.52
Enterprise Value/Market Cap2.15
Enterprise Value/Revenue2.24
Enterprise Value/Gross Profit5.82
Enterprise Value/Ebitda-91.45
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Improving Leverage ProfilePathfinder’s debt-to-equity decline from 2023–2025 meaningfully de-risks the balance sheet. Lower leverage reduces interest burden, improves solvency metrics and increases capacity to absorb credit losses or invest in growth, supporting stability over the coming quarters.
Resilient Cash GenerationPositive operating cash flow and a sharp free-cash-flow rebound in 2025 provide a durable liquidity buffer. Reliable cash generation helps fund lending, provisions and shareholder returns without immediate capital raises, cushioning the franchise during earnings volatility.
Ongoing Quarterly DividendA recurring quarterly cash dividend signals management discipline and confidence in capital and liquidity. Continued payouts support investor confidence, imply sustainable cash availability, and help maintain a stable shareholder base over the medium term.
Bears Say
Sharp Profitability DeteriorationThe shift to a 2025 net loss and negative margins undermines organic capital formation and return metrics. Sustained unprofitability would pressure reserves, constrain lending capacity, and may force cost cuts or capital actions that weaken medium-term franchise strength.
Weakening Revenue MomentumNegative revenue growth reduces core net interest income and fee opportunities, limiting margin recovery. Persistent top-line contraction erodes scale benefits and makes it harder to cover fixed costs, pressuring profitability and strategic flexibility over several quarters.
Community-bank Scale ConstraintsAs a smaller community bank with limited staff and footprint, Pathfinder faces scale constraints for fee diversification, technology investment and geographic diversification. That heightens sensitivity to local economic swings and limits competitive levers versus larger regional peers.
Pathfinder Bancorp News
PBHC FAQ
What was Pathfinder Bancorp’s price range in the past 12 months?
Pathfinder Bancorp lowest stock price was $12.06 and its highest was $16.50 in the past 12 months.
What is Pathfinder Bancorp’s market cap?
Pathfinder Bancorp’s market cap is $82.62M.
When is Pathfinder Bancorp’s upcoming earnings report date?
Pathfinder Bancorp’s upcoming earnings report date is May 04, 2026 which is in 29 days.
How were Pathfinder Bancorp’s earnings last quarter?
Pathfinder Bancorp released its earnings results on Jan 29, 2026. The company reported -$0.281 earnings per share for the quarter, missing the consensus estimate of N/A by -$0.281.
Is Pathfinder Bancorp overvalued?
According to Wall Street analysts Pathfinder Bancorp’s price is currently Overvalued.
Does Pathfinder Bancorp pay dividends?
Pathfinder Bancorp pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 2.86%. See more information on Pathfinder Bancorp dividends here
What is Pathfinder Bancorp’s EPS estimate?
Pathfinder Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pathfinder Bancorp have?
Pathfinder Bancorp has 4,876,213 shares outstanding.
What happened to Pathfinder Bancorp’s price movement after its last earnings report?
Pathfinder Bancorp reported an EPS of -$0.281 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -1.935%.
Which hedge fund is a major shareholder of Pathfinder Bancorp?
Currently, no hedge funds are holding shares in PBHC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pathfinder Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 77.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $32.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-5.69%
12-Months-Change
Fundamentals
Return on Equity
-2.75%
Trailing 12-Months
Asset Growth
-3.77%
Trailing 12-Months
Company Description
Pathfinder Bancorp
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
Technical Analysis
Ownership Overview
13.24% Insiders
3.41% Mutual Funds
8.95% Other Institutional Investors
71.79% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---