Pathfinder Bancorp (PBHC) AI Stock Analysis

• Market Cap: $81.99M
• Dividend Yield: 2.86%
• Average Volume (3M): 6.34K
• Price to Earnings (P/E): ―
• Beta (1Y): >-0.01
• Revenue Growth: 0.84%
• EPS Growth: N/A
• Country: US
• Employees: 172
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.28
• Shares Outstanding: 4,876,213
• 10 Day Avg. Volume: 9,853
• 30 Day Avg. Volume: 6,336
• PEG Ratio: 0.11
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 1.12
• P/FCF Ratio: 8.52
• Enterprise Value/Market Cap: 2.14
• Enterprise Value/Revenue: 2.22
• Enterprise Value/Gross Profit: 5.76
• Enterprise Value/Ebitda: -90.51
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 51 Neutral
• Price Target: $13.00 ▼(-7.14% Downside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

PBHC’s score is primarily held back by the 2025 profitability setback and weakening revenue/margins, despite improved leverage and resilient cash flow. Technicals also remain bearish with the stock trading below key moving averages. The dividend (both yield and a newly declared payout) provides some support, but valuation is limited by negative earnings.

Positive Factors

Improving leverage profile

Pathfinder’s debt-to-equity decline from 2023–2025 meaningfully de-risks the balance sheet. Lower leverage reduces interest burden, improves solvency metrics and increases capacity to absorb credit losses or invest in growth, supporting stability over the coming quarters.

Negative Factors

Sharp profitability deterioration

The shift to a 2025 net loss and negative margins undermines organic capital formation and return metrics. Sustained unprofitability would pressure reserves, constrain lending capacity, and may force cost cuts or capital actions that weaken medium-term franchise strength.

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...

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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...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	79.15M	83.48M	71.82M	56.36M	51.03M
Gross Profit	30.49M	35.14M	40.15M	43.91M	42.48M
EBITDA	-1.94M	6.50M	13.12M	16.39M	17.83M
Net Income	-3.42M	3.38M	9.29M	12.93M	12.41M
Balance Sheet
Total Assets	1.43B	1.47B	1.47B	1.40B	1.29B
Cash, Cash Equivalents and Short-Term Investments	288.34M	300.90M	307.45M	227.01M	227.75M
Total Debt	107.23M	136.51M	211.60M	152.57M	109.70M
Total Liabilities	1.30B	1.35B	1.35B	1.29B	1.17B
Stockholders Equity	120.97M	121.48M	119.50M	111.00M	110.29M
Cash Flow
Free Cash Flow	10.42M	2.88M	13.47M	16.52M	18.94M
Operating Cash Flow	11.68M	11.21M	15.43M	21.73M	20.15M
Investing Cash Flow	40.45M	-22.40M	-54.79M	-131.16M	-69.95M
Financing Cash Flow	-52.52M	-5.97M	52.81M	107.56M	43.48M

Pathfinder Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 14.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 13.28, above the 50-day MA of 13.43, and below the 200-day MA of 14.31, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 48.92 is Neutral, neither overbought nor oversold. The STOCH value of 22.34 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$81.80M	12.98	8.27%	4.16%	24.17%	739.42%
UBCP	66 Neutral	$88.08M	10.25	12.01%	6.51%	6.31%	-5.00%
LSBK	63 Neutral	$118.85M	15.00	6.26%	2.12%	2.27%	66.15%
PBHC	51 Neutral	$81.99M	-25.99	-2.75%	2.86%	0.84%	―

Pathfinder Bancorp Corporate Events