Want to see PBHC full AI Analyst Report?
PBHC Stock Chart & Stats
$15.90
$0.10(0.62%)
At close: 4:00 PM EDT
$15.90
$0.10(0.62%)
Day’s Range― - ―
52-Week Range$12.06 - $17.40
Previous Close$16.03
Volume1.06K
Average Volume (3M)6.34K
Market Cap
$103.42M
Enterprise Value$269.15
Total Cash (Recent Filing)$377.55M
Total Debt (Recent Filing)$180.99M
Price to Earnings (P/E)―
Beta0.07
Next Earnings
Nov 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.45%
Share Statistics
EPS (TTM)-0.63
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 Ratio8.87
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
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
Revenue ReboundTTM revenue growth of 210.5% indicates a substantial top-line rebound and can improve operating leverage if sustained. However, the benefit will depend on converting this expansion into positive margins, so it is a growth foundation rather than proof of restored earnings.
Positive Cash GenerationPositive operating cash flow and free cash flow provide internally generated liquidity during a loss period. The 118.9% TTM FCF increase and FCF above net income support funding flexibility, although low coverage means the cash cushion should be monitored.
Dividend ContinuityMaintaining a quarterly dividend demonstrates continued capital-return capacity and can support investor confidence in the franchise. Its durability ultimately depends on restoring earnings and preserving capital as leverage has increased.
Bears Say
Loss-Making ProfitabilityNegative net, EBIT and EBITDA margins show that the revenue rebound has not yet translated into sustainable profitability. This weakens retained-capital generation and leaves results more exposed to credit costs, funding expenses and operating-cost pressure.
Rising LeverageDebt-to-equity rising from 0.89 to 1.44 represents a meaningful increase in balance-sheet risk. Combined with negative ROE, the larger capital structure is currently producing weak returns and may reduce flexibility if asset quality or funding conditions deteriorate.
Low Cash Flow CoverageAlthough cash flow is positive, operating cash flow coverage of 0.095 remains low relative to broader obligations. This limits the strength of the liquidity signal and suggests reported cash generation may not provide a durable buffer against banking-sector or credit stress.
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 $17.40 in the past 12 months.
What is Pathfinder Bancorp’s market cap?
Pathfinder Bancorp’s market cap is $103.42M.
When is Pathfinder Bancorp’s upcoming earnings report date?
Pathfinder Bancorp’s upcoming earnings report date is Nov 04, 2026 which is in 76 days.
How were Pathfinder Bancorp’s earnings last quarter?
Pathfinder Bancorp released its earnings results on Jul 30, 2026. The company reported -$0.003 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 2.45%. 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 -$0.003 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 0.43%.
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 $35.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-5.69%
12-Months-Change
Fundamentals
Return on Equity
2.45%
Trailing 12-Months
Asset Growth
-0.84%
Trailing 12-Months
Company Description
Pathfinder Bancorp
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.
Technical Analysis
Ownership Overview
13.20% Insiders
3.36% Mutual Funds
8.63% Other Institutional Investors
71.91% Public Companies and
Individual Investors