Pathfinder Bancorp (PBHC) AI Stock Analysis

• Market Cap: $93.33M
• Dividend Yield: 2.66%
• Average Volume (3M): 6.34K
• Price to Earnings (P/E): 84.4
• Beta (1Y): -0.06
• Revenue Growth: 0.84%
• EPS Growth: N/A
• Country: US
• Employees: 172
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.10
• Shares Outstanding: 4,788,109
• 10 Day Avg. Volume: 9,853
• 30 Day Avg. Volume: 6,336
• PEG Ratio: -0.44
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 1.28
• P/FCF Ratio: 37.08
• Enterprise Value/Market Cap: 2.39
• Enterprise Value/Revenue: 2.73
• Enterprise Value/Gross Profit: 6.35
• Enterprise Value/Ebitda: 39.95
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: $15.00 ▼(-0.66% Downside)

Pathfinder Bancorp's overall stock score is primarily impacted by its financial performance challenges, including declining revenue and high leverage. The technical analysis suggests a neutral trend, while the high P/E ratio indicates overvaluation concerns. The absence of earnings call and corporate events data limits additional insights.

Pathfinder Bancorp Business Overview & Revenue Model

Company Description

Pathfinder Bancorp (PBHC) is a financial services holding company based in the United States, primarily engaged in providing banking services through its subsidiary, Pathfinder Bank. The bank operates in the community banking sector, offering a range of products including personal and commercial banking, mortgage loans, and investment services. Pathfinder Bancorp focuses on serving individuals, businesses, and communities within its market area, emphasizing customer service and community involvement.

How the Company Makes Money

Pathfinder Bancorp primarily generates revenue through interest income from loans and investments, which constitutes a significant portion of its earnings. The company offers various loan products, including residential mortgages, commercial loans, and consumer loans, earning interest on these financial products. Additionally, Pathfinder Bancorp generates non-interest income through service fees, transaction fees, and investment management services. The bank also engages in treasury management and wealth management services, which contribute to its overall revenue. Strategic partnerships with local businesses and community organizations enhance its customer base and drive deposit growth, further supporting its earnings.

Pathfinder Bancorp Financial Statement Overview

Summary

Pathfinder Bancorp faces financial challenges with declining revenue and profitability, high leverage, and cash flow constraints. The negative net income and high debt levels pose risks, although some operational efficiency is maintained.

Income Statement

Pathfinder Bancorp's income statement shows a challenging period with a negative net profit margin of -0.90% in TTM, indicating a loss. Revenue has declined by 2.78% compared to the previous period, reflecting a downturn. However, the company maintains a positive gross profit margin of 42.95%, suggesting some operational efficiency. The EBIT and EBITDA margins are relatively low at 4.55% and 6.82%, respectively, indicating limited profitability.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 1.16, indicating significant leverage, which could pose financial risks. Return on equity is negative at -0.60%, reflecting recent losses. However, the equity ratio is stable, suggesting that the company has a reasonable proportion of equity financing relative to its assets.

Cash Flow

Cash flow analysis shows a significant decline in free cash flow growth by 60.01% in TTM, indicating cash flow challenges. The operating cash flow to net income ratio is 0.15, suggesting limited cash generation relative to earnings. The free cash flow to net income ratio is 0.27, further highlighting cash flow constraints.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	81.72M	83.48M	71.82M	56.36M	51.03M	48.25M
Gross Profit	35.09M	35.14M	40.15M	43.91M	42.48M	32.68M
EBITDA	5.57M	6.50M	13.12M	16.39M	17.83M	9.72M
Net Income	2.27M	3.38M	9.29M	12.93M	12.41M	6.95M
Balance Sheet
Total Assets	1.51B	1.47B	1.47B	1.40B	1.29B	1.23B
Cash, Cash Equivalents and Short-Term Investments	332.43M	300.90M	307.45M	227.01M	227.75M	171.72M
Total Debt	144.56M	136.51M	211.60M	152.57M	109.10M	123.97M
Total Liabilities	1.38B	1.35B	1.35B	1.29B	1.17B	1.13B
Stockholders Equity	124.41M	121.48M	119.50M	111.00M	110.29M	97.46M
Cash Flow
Free Cash Flow	3.06M	2.88M	13.47M	16.52M	18.94M	45.30M
Operating Cash Flow	11.15M	11.21M	15.43M	21.73M	20.15M	46.56M
Investing Cash Flow	-52.53M	-22.40M	-54.79M	-131.16M	-69.95M	-149.22M
Financing Cash Flow	41.04M	-5.97M	52.81M	107.56M	43.48M	125.97M

Pathfinder Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.10
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 15.1 is above the 20-day moving average (MA) of 15.07, below the 50-day MA of 15.11, and below the 200-day MA of 15.32, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 50.65 is Neutral, neither overbought nor oversold. The STOCH value of 49.06 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	72 Outperform	$90.45M	12.65	8.22%	4.22%	16.08%	739.42%
LSBK	68 Neutral	$109.75M	15.88	5.94%	2.19%	2.48%	66.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	66 Neutral	$86.52M	16.48	6.20%	1.55%	2.14%	157.35%
UBCP	62 Neutral	$73.62M	10.03	10.99%	7.10%	6.30%	-3.81%
CFSB	54 Neutral	$93.32M	-336.88	-0.35%	―	11.64%	-913.46%
PBHC	48 Neutral	$93.33M	84.38	2.26%	2.66%	0.84%	―

Pathfinder Bancorp Corporate Events

Pathfinder Bancorp Declares Quarterly Dividend Announcement

On September 29, 2025, Pathfinder Bancorp announced a quarterly cash dividend of $0.10 per share for both voting and non-voting common stock, and for notional shares related to issued warrants. This dividend, reflecting the fiscal quarter ending September 30, 2025, will be paid on November 7, 2025, to shareholders recorded by October 17, 2025.

The most recent analyst rating on (PBHC) stock is a Hold with a $15.50 price target. To see the full list of analyst forecasts on Pathfinder Bancorp stock, see the PBHC Stock Forecast page.