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 - $16.50
Previous CloseN/A
Volume26.37K
Average Volume (3M)6.34K
Market Cap
$84.78M
Enterprise Value$144.99M
Total Cash (Recent Filing)$13.91M
Total Debt (Recent Filing)$75.11M
Price to Earnings (P/E)8.2
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 Cap1.71
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda-42.90
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 LeverageA lower debt-to-equity (~0.61 in 2026 TTM) materially reduces balance-sheet risk and increases financial flexibility. Over a multi-month horizon this improvement supports capacity to absorb cyclical losses, maintain lending, and meet regulatory capital expectations without immediate external funding.
Positive Cash GenerationSustained positive operating and free cash flow despite accounting losses shows the franchise still generates real liquidity. That durable cash flow can fund operations, dividends, and selective loan growth, providing a buffer while management works to restore profitability.
Ongoing Capital ReturnA declared quarterly dividend signals management’s willingness to return capital and suggests a minimum level of capital adequacy. Over 2–6 months this supports investor confidence, helps retain deposit/customer relationships, and reflects disciplined capital allocation policy.
Bears Say
Profitability ReversalShifting from multi-year profitability to operating and net losses is a structural red flag. Sustained losses erode retained earnings, reduce internal capital generation, and can force strategic retrenchment or capital raises if not reversed within several quarters.
Weakened Cash MomentumA sharp decline in free cash flow and weaker operating cash flow reduce the firm’s liquidity cushion. Over the medium term this constrains reinvestment, dividend sustainability, and the ability to absorb further credit stress without relying on external financing.
Negative Returns On EquityNegative ROE indicates the bank’s capital base is not producing economic returns, pressuring shareholder value. Persistently negative ROE can limit ability to attract capital, compel higher risk-taking to recover returns, or necessitate restructuring to restore profitability.
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 $84.78M.
When is Pathfinder Bancorp’s upcoming earnings report date?
Pathfinder Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 73 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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10
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. 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
13.15% Insiders
3.36% Mutual Funds
8.57% Other Institutional Investors
72.35% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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