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Pathfinder Bancorp, Inc. PBHC FINANCIAL

Financial Services · Banks - Regional · United States
https://www.pathfinderbank.com
Company Profile ↓
$16.30
+16.60% 1Y
Mkt Cap$79.84M
P/B0.90
Div. Yield2.28%
52W High$16.77
52W Low$12.00
Book Value$20.03
EPS (TTM)$0.01

Company Overview

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Why Investors Should Care

Healthy Margins

Operating margin of 29.4% supports profitability.

Dividend Income

Offers a dividend yield of 2.28%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $46.98M (+1.9% YoY); net profit $-1.93M.
  • Trailing 12 Months Year-on-year growth — revenue +47.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 0.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:0.23%
1 Year:47.10%

Stock Price Performance

1 Year:+16.60%
6 Months:+21.46%
3 Months:+15.88%
1 Month:-1.24%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$12.00 $16.77
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)54.36 · Neutral
Price Performance
1M-1.24%
3M+15.88%
6M+21.46%
1Y+16.60%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-
Industry PE
12.89
Forward P/E
-
PEG Ratio
-
Book Value
$20.03
Price to Book
0.90
P/S
3.35
EV/EBITDA
-
Dividend Yield
2.28%

Growth (CAGR)

Revenue 5Y
0.23%
Profit 5Y
-
Revenue (YoY)
47.10%
Earnings (YoY)
-

Profitability & Returns

ROCE
-
ROE
0.11%
ROA
0.01%
Profit Margin
0.42%
Op Margin
29.40%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.42
EPS (TTM)
$0.01

Balance Sheet & Liquidity

Debt/Equity
0.86
Quick Ratio
-
Current Ratio
-
Debt
$180.99M
Total Assets
$1.42B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
22.88%
Chg in Prom Hold
0.00%
FII / Inst Holding
33.04%
Chg in FII Hold
0.05%

Financial Snapshot

Enterprise Value
$79.84M
Total Revenue (TTM)
$33.79M
EBITDA
-
Free Cash Flow
$10.42M
Operating Cash Flow
$11.82M
Shares Outstanding
4.90M
Gross Margin
0.00%
Payout Ratio
4,000.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PBHC Pathfinder Bancorp, Inc. FINANCIAL 16.30 - $79.84M 2.28% - 0.11% 0.23% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------12.61M9.30M13.10M11.97M11.47M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------8.03M8.37M8.14M7.78M7.16M-
Pretax Income ----------------------------------3.72M38.00K672.00K-8.52M2.94M-
Tax Provision ----------------------------------744.00K7.00K46.00K-2.96M530.00K-
Net Income 519.00K--537.00K694.00K885.00K661.00K832.00K820.00K800.00K920.00K907.00K1.00M945.00K985.00K514.00K607.00K1.29M1.69M1.84M1.47M2.15M3.01M3.37M2.95M3.27M3.18M2.60M1.98M2.18M2.12M2.00M-4.64M-2.97M31.00K626.00K-5.56M2.41M-
Diluted EPS 0.120.150.170.120.160.200.150.200.200.190.220.220.240.220.230.120.110.220.290.310.250.36---------0.410.41--0.000.10-1.120.380.42

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------46.66M43.08M46.11M46.98M
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses -------------
Operating Income -------------
EBITDA -------------
Interest Expense ---------9.70M28.74M37.37M32.32M
Pretax Income ---------15.69M11.78M5.16M-4.09M
Tax Provision ---------2.66M2.36M332.00K-2.16M
Net Income 2.41M2.80M2.89M3.27M3.49M4.03M4.28M6.95M-12.93M9.29M3.38M-1.93M
Diluted EPS 0.580.630.660.780.830.940.801.17-2.131.510.60-0.54

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -503.79M561.02M623.25M749.03M881.26M933.12M1.09B1.23B-1.40B1.47B1.47B1.43B
Current Assets --------------
Cash & Equivalents 8.66M16.57M11.36M15.24M22.42M21.99M----35.28M48.73M31.57M31.17M
Inventory --------------
Receivables ----------6.17M7.29M6.88M6.33M
Total Liabilities -460.72M491.82M552.02M690.67M819.11M868.66M1.00B1.13B-1.29B1.35B1.35B1.30B
Current Liabilities --------------
Long Term Debt --11.00M16.50M17.00M43.29M79.53M67.99M78.03M-85.40M79.83M57.17M44.23M
Total Debt ----------152.57M211.60M136.51M105.92M
Total Equity 40.75M42.71M68.79M70.81M57.93M61.81M64.22M90.43M97.46M-111.00M119.50M121.48M122.45M
Shares Outstanding ----------6.03M6.10M6.13M6.19M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow --6.84M8.98M8.12M46.56M-21.73M15.43M11.21M11.68M
Investing Cash Flow ---133.94M-52.02M-162.81M-149.22M--131.16M-54.79M-22.40M40.45M
Financing Cash Flow --126.67M47.37M148.53M125.97M-107.56M52.81M-5.97M-52.52M
Capital Expenditure ---1.98M-5.69M-3.60M-1.26M--5.21M-1.97M-8.33M-1.26M
Free Cash Flow --4.87M3.29M4.52M45.30M-16.52M13.47M2.88M10.42M
Net Change in Cash --------1.87M13.45M-17.16M-402.00K
Share Buybacks 01.75M0--------

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------
Operating Margin % -------------
Net Margin % ---------27.7%21.6%7.3%-4.1%
ROE % 5.6%4.1%4.1%5.6%5.6%6.3%4.7%7.1%-11.7%7.8%2.8%-1.6%
ROCE % -------------

Shareholding Pattern

Insiders
22.88%
Institutions
33.04%
Public Float
42.85%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 9.76% 478.17K $8.62M
2 Minerva Advisors LLC 5.35% 262.20K $4.72M
3 Vanguard Capital Management LLC 2.67% 130.64K $2.35M
4 Oppenheimer & Close, LLC 1.94% 95.18K $1.72M
5 Hamilton Point Investment Advisors, LLC 0.78% 38.43K $692.49K
6 Geode Capital Management, LLC 0.57% 27.88K $502.34K
7 Dimensional Fund Advisors LP 0.42% 20.45K $368.42K
8 Susquehanna International Group, LLP 0.40% 19.39K $349.37K
9 Vanguard Fiduciary Trust Co 0.30% 14.78K $266.41K
10 Caldwell Sutter Capital, Inc. 0.30% 14.77K $266.21K

Analyst View

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Latest News

Recent headlines for PBHC

Google News Sun, 06 Sep 2026

The Technical Signals Behind (PBHC) That Institutions Follow - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxPb2gzUENoakdEUnVpY3Bldi14QVpWb3VCN01jb2cyaXhTQi1MLVJ2RTcwcm44d0d2ZjN0VFBoNFJkZ052MlZxU3ZpelBOME56NzZLZFBOVk1hclJTbUROajlPclUyM29mNFBLRnE1Rm9iaGw3THFOUWlYeUVOWV9JWU5zajY0ZVpWVlJRc1…

Google News Fri, 04 Sep 2026

Pathfinder Bancorp Inc (NASDAQ: PBHC) Share Price, PBHC Stock News, PBHC Share Price & Updates - kalkine.ca

<a href="https://news.google.com/rss/articles/CBMiUEFVX3lxTE5VdktSN3hTUUcyN3N1VDFfTUgwajJlTVliQnNfazFnNjZYZ3VUbkdsRHFHbjRZT3RtSjV2QTZDVThqV0Rqakhzd3JFYlAwNFF2?oc=5" target="_blank">Pathfinder Bancorp Inc (NASDAQ: PBHC) Share Price, PBHC Sto…

Google News hu, 30 Jul 2026

Pathfinder Bancorp Q2 earnings rise to 42 cents per share - Quiver Quantitative

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Google News hu, 27 Aug 2026

Trading the Move, Not the Narrative: (PBHC) Edition - Stock Traders Daily

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Google News Sat, 01 Aug 2026

Pathfinder Bancorp (PBHC) Advances 2.42% to $16.35 as Regional Banking Sentiment Firms - Zero Lag EMA - vinanet.vn

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxQRF82MGp2SHZNaGk5Q1hLWFhvZEF2QWxVMXl4bWlsdFZVLTg1TmN3MjN0QXNhd1U2NFREUGV6LWkzS2stOWZFekNMR09zbEJjVkQ0TkdaZG5jQ1R1YWI4d3lCUUNyS0cwRE9PQTA4c0ZQbEdSdnpTdjBlLTBwWHFHT0pkeGlRMFdCaFlhMk…

Google News hu, 13 Aug 2026

Tranche Update on Pathfinder Bancorp, Inc.'s Equity Buyback Plan announced on April 29, 2016. - marketscreener.com

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PBHC — Frequently Asked Questions

What is the current share price of Pathfinder Bancorp, Inc. (PBHC)?

As of 2026-09-19 21:16 PDT, Pathfinder Bancorp, Inc. (PBHC) trades at $16.30 on NasdaqCM. Its 52-week range is $12.00 to $16.77.

What is the market capitalisation of PBHC?

Pathfinder Bancorp, Inc. (PBHC) has a market capitalisation of $79.84M on NasdaqCM.

Does PBHC pay a dividend?

Pathfinder Bancorp, Inc. (PBHC) currently offers a dividend yield of 2.28%.

What is the return on equity (ROE) of PBHC?

PBHC has a return on equity (ROE) of 0.11%.

Is PBHC a good stock to buy?

This page provides a data-driven analysis of Pathfinder Bancorp, Inc. (PBHC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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