Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
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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 - $15.96
Previous CloseN/A
Volume26.37K
Average Volume (3M)6.34K
Market Cap
$92.91M
Enterprise Value$145.85M
Total Cash (Recent Filing)$286.89M
Total Debt (Recent Filing)$75.11M
Price to Earnings (P/E)―
Beta-0.01
Next Earnings
Aug 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.86%
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 Ratio8.52
Enterprise Value/Market Cap1.57
Enterprise Value/Revenue1.89
Enterprise Value/Gross Profit4.83
Enterprise Value/Ebitda-43.15
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
Improved LeverageSustained reduction in leverage materially lowers balance-sheet risk and interest burden, giving management more flexibility to support lending, absorb credit losses, and maintain capital ratios. Improved debt-to-equity enhances resilience against economic stress and supports durable funding options over months.
Positive Cash GenerationPositive operating and free cash flow despite accounting losses indicates the franchise generates real cash from core banking operations. That cash cushions liquidity, funds localized lending and dividends, and reduces near-term external financing needs — a durable support for operations if cash trends stabilize.
Governance ContinuityClear shareholder backing of the board and auditor signals governance stability and continuity in strategic oversight. Stable leadership and audit continuity reduce execution risk, support consistent financial reporting, and help maintain stakeholder confidence during a multi-quarter operational recovery.
Bears Say
Profitability DeclineMulti-period operating and net losses indicate a structural earnings reset versus prior years, eroding retained earnings and limiting capacity to build capital organically. Persistent losses constrain lending growth, dividend sustainability and reduce buffer against future credit deterioration absent a credible path to restored profitability.
Falling RevenueA declining revenue trend undermines scale economics for this community bank, squeezing margins and making fixed costs and compliance expenses harder to absorb. Continued top-line contraction increases reliance on fee growth or cost cuts to restore profitability over the next several quarters.
Weakening Cash MomentumA sharp drop in free cash flow and weaker operating cash flow momentum reduces financial flexibility to fund loans, capital needs or dividends without tapping external markets. Sustained weakening could force higher-cost funding or asset sales and limits the firm's buffer against further credit or revenue shocks.
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 $15.96 in the past 12 months.
What is Pathfinder Bancorp’s market cap?
Pathfinder Bancorp’s market cap is $92.91M.
When is Pathfinder Bancorp’s upcoming earnings report date?
Pathfinder Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 51 days.
How were Pathfinder Bancorp’s earnings last quarter?
Pathfinder Bancorp released its earnings results on Apr 29, 2026. The company reported -$0.008 earnings per share for the quarter, missing the consensus estimate of N/A by -$0.008.
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 -$0.008 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 3.269%.
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
Underperform
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Hedge Fund Trend
Decreased
By 77.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $19.2K 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
-3.21%
Trailing 12-Months
Asset Growth
-4.91%
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
13.18% Insiders
3.36% Mutual Funds
8.57% Other Institutional Investors
72.34% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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