Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
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Pathfinder Bancorp
(NASDAQ:PBHC)
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Rating:54Neutral
Price Target:
$14.00
â–²(0.00% Upside)
Action:Reiterated
Date:05/16/26
PBHC’s score is held back primarily by weakening financial performance, including the shift to losses in 2025 and 2026 TTM and softer cash flow momentum, despite improved leverage. Valuation (low P/E and ~3% yield) and relatively neutral technicals provide some support, with the recent dividend declaration adding a small positive factor.
Positive Factors
Improved Leverage
A 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.
Negative Factors
Profitability Reversal
Shifting 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
A 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.
Read all positive factors
Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$84.40M
Dividend Yield2.86%
Average Volume (3M)6.34K
Price to Earnings (P/E)8.2
Beta (1Y)-0.01
Revenue Growth-4.84%
EPS Growth-557.25%
CountryUS
Employees172
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.72
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda-42.88
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
Pathfinder Bancorp Business Overview & Revenue Model
Company Description
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 check...
How the Company Makes Money
Pathfinder Bancorp primarily makes money through Pathfinder Bank’s banking operations. The largest source of earnings for a typical community bank like Pathfinder is net interest income: the bank pays interest on funding sources (primarily custome...
Pathfinder Bancorp Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
53
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.34M | 79.15M | 83.48M | 71.82M | 56.36M | 51.03M |
| Gross Profit | 30.18M | 30.49M | 35.14M | 40.15M | 43.91M | 42.48M |
| EBITDA | -3.38M | -1.94M | 6.50M | 13.12M | 16.39M | 17.83M |
| Net Income | -3.98M | -3.42M | 3.38M | 9.29M | 12.93M | 12.41M |
Balance Sheet | ||||||
| Total Assets | 1.42B | 1.43B | 1.47B | 1.47B | 1.40B | 1.29B |
| Cash, Cash Equivalents and Short-Term Investments | 13.91M | 288.34M | 300.90M | 307.45M | 227.01M | 227.75M |
| Total Debt | 75.11M | 107.23M | 136.51M | 211.60M | 152.57M | 109.70M |
| Total Liabilities | 1.30B | 1.30B | 1.35B | 1.35B | 1.29B | 1.17B |
| Stockholders Equity | 123.58M | 120.97M | 121.48M | 119.50M | 111.00M | 110.29M |
Cash Flow | ||||||
| Free Cash Flow | 4.44M | 10.42M | 2.88M | 13.47M | 16.52M | 18.94M |
| Operating Cash Flow | 5.55M | 11.68M | 11.21M | 15.43M | 21.73M | 20.15M |
| Investing Cash Flow | 53.74M | 40.45M | -22.40M | -54.79M | -131.16M | -69.95M |
| Financing Cash Flow | -71.60M | -52.52M | -5.97M | 52.81M | 107.56M | 43.48M |
Pathfinder Bancorp Technical Analysis
Neutral
14.00
Price Trends
13.41
Positive
13.51
Positive
14.04
Negative
Market Momentum
0.02
Positive
50.08
Neutral
64.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBHC, the sentiment is Neutral. The current price of 14 is above the 20-day moving average (MA) of 13.62, above the 50-day MA of 13.41, and below the 200-day MA of 14.04, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 50.08 is Neutral, neither overbought nor oversold. The STOCH value of 64.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PBHC.
Pathfinder Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $120.89M | 14.60 | 6.30% | 2.12% | 6.16% | 68.02% | |
73 Outperform | $82.13M | 9.49 | 9.03% | 4.16% | 4.30% | 20.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $82.38M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
54 Neutral | $84.40M | 8.22 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
PBHC
Pathfinder Bancorp
13.55
-1.04
-7.14%
AUBN
Auburn National Bancorporation
23.80
4.19
21.34%
LSBK
Lake Shore Bancorp
15.84
4.88
44.47%
UBCP
United Bancorp
14.40
1.73
13.63%
Pathfinder Bancorp Corporate Events
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Pathfinder Bancorp Amends Registration Rights Agreement with Investor
Neutral
May 7, 2026
On May 8, 2019, Pathfinder Bancorp, Inc. entered into a Securities Purchase Agreement with Castle Creek Capital Partners VII, L.P., selling certain company securities in a private placement and granting related registration rights. As part of thos...
Dividends
Pathfinder Bancorp Declares Quarterly Cash Dividend for Shareholders
Positive
Mar 30, 2026
On March 30, 2026, Pathfinder Bancorp, Inc. announced that its board declared a cash dividend of $0.10 per share on its voting and non-voting common stock, as well as $0.10 per notional share for the issued warrant, for the fiscal quarter ending M...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.