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Pathfinder Bancorp
(NASDAQ:PBHC)
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Rating:56Neutral
Price Target:
$17.00
â–²(21.43% Upside)
Action:Reiterated
Date:06/30/26
PBHC scores in the mid-range primarily due to weakened fundamentals—revenues are slipping and results have moved into losses despite improved leverage and still-positive cash flow. Offsetting this, price action is relatively strong versus key moving averages with positive MACD, while valuation is constrained by the negative P/E (loss-making) despite a moderate dividend yield. Recent dividend and governance-related events provide incremental support but are secondary to the profitability reset.
Positive Factors
Improved leverage and balance-sheet risk
Leverage 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.
Negative Factors
Revenue decline and earnings reversal
Falling 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and balance-sheet risk
Leverage 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.
Read all positive factors
Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.61M
Dividend Yield2.86%
Average Volume (3M)6.34K
Price to Earnings (P/E)―
Beta (1Y)0.02
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 Ratio8.87
Enterprise Value/Market Cap1.55
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
Pathfinder Bancorp Business Overview & Revenue Model
Company Description
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 ...
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 | -2.74M | -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 | 286.89M | 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 | 5.67M | 10.02M | 2.88M | 13.47M | 16.52M | 18.94M |
| Operating Cash Flow | 5.55M | 11.28M | 11.21M | 15.43M | 21.73M | 20.15M |
| Investing Cash Flow | 53.74M | 40.85M | -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
Positive
14.00
Price Trends
14.21
Positive
13.73
Positive
14.09
Positive
Market Momentum
0.69
Negative
67.72
Neutral
63.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBHC, the sentiment is Positive. The current price of 14 is below the 20-day moving average (MA) of 15.07, below the 50-day MA of 14.21, and below the 200-day MA of 14.09, indicating a bullish trend. The MACD of 0.69 indicates Negative momentum. The RSI at 67.72 is Neutral, neither overbought nor oversold. The STOCH value of 63.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $100.89M | 12.00 | 8.78% | 4.16% | 4.30% | 20.85% | |
73 Outperform | $133.90M | 15.64 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $94.52M | 11.87 | 11.80% | 6.51% | 7.19% | 9.14% | |
56 Neutral | $102.61M | -25.94 | -3.21% | 2.86% | -4.84% | -557.25% |
* Financial Sector Average
PBHC
Pathfinder Bancorp
16.21
1.60
10.94%
AUBN
Auburn National Bancorporation
27.25
4.06
17.49%
LSBK
Lake Shore Bancorp
16.89
5.44
47.46%
UBCP
United Bancorp
16.26
2.55
18.57%
Pathfinder Bancorp Corporate Events
Business Operations and StrategyDividends
Pathfinder Bancorp Declares Quarterly Cash Dividend Payment
Positive
Jun 29, 2026
On June 29, 2026, Pathfinder Bancorp, Inc. announced that its board declared a quarterly cash dividend of $0.10 per share on both its voting and non-voting common stock for the fiscal quarter ending June 30, 2026. The dividend will be paid on Augu...
Executive/Board ChangesShareholder Meetings
Pathfinder Bancorp Shareholders Reelect Directors and Ratify Auditor
Positive
Jun 4, 2026
At Pathfinder Bancorp’s 2026 Annual Meeting of Shareholders, held on June 4, 2026, investors elected four directors—David Ayoub, William Barclay, James Dowd, and John Sharkey—to new three-year terms, with each candidate receiving...
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.