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PBHCPathfinder Bancorp, Inc.
$18.29$113M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
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Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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PBHC logo

Pathfinder Bancorp, Inc.

PBHC
NASDAQ · Regional Banks
$18.29
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$113M
P/E-33.9x
52W High$18.30
Volume280
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Persistent Margin Compression Strains Pathfinder Bancorp Profitability

Pathfinder Bancorp faces a challenging outlook characterized by stagnant asset growth and persistent net interest margin compression, which has consistently hovered between 0.6% and 0.8% over the last ten quarters. The institution's reliance on liquidating inv...

GrowthContracting
ProfitabilityNegative
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

PBHC price & volume

Price trend, volume and key moving averages

Launch Terminal
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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

0/12 Beats

EPS beat 0 of last 12 quarters

02

Valuation risk

-298% Peers

P/E is 298% below peer median

03

Market leadership

RS 80 · Leader

High momentum (Outperforming 80% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
PBHC+31.66%
S&P 500 (^GSPC)+12.39%
1-Year Return
PBHC+17.99%
S&P 500 (^GSPC)+15.77%
3-Year Return
PBHC+40.17%
S&P 500 (^GSPC)+83.30%
5-Year Return
PBHC+25.00%
S&P 500 (^GSPC)+80.41%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-33.9x
Forward P/E
N/A
EV/EBITDA
N/A
FCF YieldCash Flow
8.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-33.9x
9.3x
0th· Low
EV/EBITDA
N/A
17.4x
N/A
Price/FCF
11.3x
5.3x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$47M+1.6% YoY
Net income
-$3M-201.0% YoY
Free cash flow
$10M+248.2% YoY
Operating margin
-5.2%-11.4 pts YoY
ROIC (TTM)-1.3%
Avg ROIC 5Y-
ROE (TTM)-2.8%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 30, 2026
$0.42
vs —
$19M
vs —
Q2 2026
Apr 29, 2026
$0.38
vs —
$19M
vs —
Q1 2026
Jan 29, 2026
-$1.11
vs —
$20M
vs —
Q4 2025
Oct 30, 2025
$0.10
vs —
—
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

2 Stories
GlobeNewsWire·Jul 30, 2026
Pathfinder Bancorp, Inc. Announces Financial Results for the Second Quarter of 2026

Pathfinder grew earnings to $0.42 per share in the second quarter of 2026 with stable credit performance, disciplined loan and deposit pricing, and incremental net interest income generated by deploying underutilized liquidity into the bank's AFS securities portfolio Pathfinder grew earnings to $0.42 per share in the second quarter of 2026 with stable credit performance, disciplined loan and deposit pricing, and incremental net interest income generated by deploying underutilized liquidity into the bank's AFS securities portfolio

GlobeNewsWire·Jun 29, 2026
Pathfinder Bancorp, Inc. Declares Dividend

OSWEGO, N.Y., June 29, 2026 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock relating to the fiscal quarter ending June 30, 2026. The second quarter 2026 dividend will be payable to all shareholders of record on July 17, 2026 and will be paid on August 7, 2026.

Filtered for Pathfinder Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark PBHC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Pathfinder Bancorp, Inc. (PBHC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PBHC logoPBHCPathfinder Bancorp, Inc.Current
$18.29$113.03M-33.871.55%-4.32%-2.82%2.12%
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
NECB logoNECBNortheast Community Bancorp, Inc.
$26.38$364.45M8.121.33%27.87%12%—
BWFG logoBWFGBankwell Financial Group, Inc.
$65.46$521.92M14.7124.51%19.78%13.95%—
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
TRST logoTRSTTrustCo Bank Corp NY
$55.54$945.74M17.099.38%26.95%9.62%—

Compare PBHC vs Peers

Pathfinder Bancorp, Inc. (PBHC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for PBHC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PBHC against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NECB, BWFG, NBTB

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

PBHC SEC Filings & Documents

Pathfinder Bancorp, Inc. (PBHC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 30, 2026·SEC

Material company update

Jun 29, 2026·SEC

Material company update

Jun 4, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 30, 2026·SEC

FY 2025

Mar 31, 2025·SEC

FY 2024

Mar 22, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 15, 2026·SEC

FY 2025

Nov 14, 2025·SEC

FY 2025

Aug 14, 2025·SEC

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PBHC Frequently Asked Questions

Pathfinder Bancorp, Inc. (PBHC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Pathfinder Bancorp, Inc. growing?

Pathfinder Bancorp, Inc. (PBHC) grew revenue by 1.6% over the past year. Growth has been modest.

Is PBHC profitable?

Pathfinder Bancorp, Inc. (PBHC) reported a net loss of $4.0M for fiscal year 2025.

Dividend & Returns
Does PBHC pay dividends?

Yes, Pathfinder Bancorp, Inc. (PBHC) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.

What is PBHC's return on equity?

Pathfinder Bancorp, Inc. (PBHC) has a return on equity (ROE) of -2.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Pathfinder Bancorp, Inc.'s net interest margin?

Pathfinder Bancorp, Inc. (PBHC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Pathfinder Bancorp, Inc.'s efficiency ratio?

Pathfinder Bancorp, Inc. (PBHC) has an efficiency ratio of 43.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PBHC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →