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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 - $17.40
Previous CloseN/A
Volume26.37K
Average Volume (3M)6.34K
Market Cap
$101.04M
Enterprise Value$159.08M
Total Cash (Recent Filing)$286.89M
Total Debt (Recent Filing)$75.11M
Price to Earnings (P/E)―
Beta0.02
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 Ratio8.87
Enterprise Value/Market Cap1.57
Enterprise Value/Revenue2.06
Enterprise Value/Gross Profit5.27
Enterprise Value/Ebitda-58.04
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 Leverage And Balance-sheet RiskLeverage reduction to roughly 0.61 TTM materially lowers balance-sheet risk and increases capital flexibility. Over the next 2–6 months this stronger capital structure improves the bank's ability to absorb credit losses, support lending activity, and maintain regulatory cushions without immediate capital raises.
Positive Operating And Free Cash FlowSustained positive operating and free cash flow despite net losses indicates the franchise generates real cash from core banking activities. This cash backbone supports dividends, loan funding and strategic initiatives, providing a durable buffer while management works to restore profitability.
Consistent Dividends And Governance ContinuityOngoing quarterly dividends and recent shareholder re-election/ auditor ratification signal management discipline and capital allocation continuity. For a community bank, this governance stability supports depositor and investor confidence and indicates priority on returning capital where sustainable.
Bears Say
Revenue Decline And Earnings ReversalFalling revenues and a shift to operating and net losses represent a structural earnings reset. Persisting top-line weakness reduces internal capital generation, pressures margins and ROE, and forces difficult choices on pricing, cost control or reduced lending growth to restore sustainable profitability.
Weakening Cash-flow MomentumA sharp decline in free cash flow and weaker operating cash flow momentum undermines the bank's ability to fund dividend, reinvest in operations, or build reserves. If the trend continues, reliance on deposits or borrowings could rise and constrain strategic flexibility over coming quarters.
Outstanding Registration Rights Create Potential OverhangExtended registration rights for a private investor preserve an eventual resale option. The prospective entry of those securities could increase share supply and complicate capital planning or M&A timing, creating a medium-term structural overhang that management must manage strategically.
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 $101.04M.
When is Pathfinder Bancorp’s upcoming earnings report date?
Pathfinder Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 30 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
Neutral
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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
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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
13.20% Insiders
3.36% Mutual Funds
8.57% Other Institutional Investors
72.12% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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