Trailing Dividend / Share
$0.39
Pathfinder Bancorp, Inc. (PBHC) Dividend History
Income profile from 1996 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.3%
Payout Ratio
N/A
Unknown
Dividend Streak
5 years
PBHC Dividend Income Check
Safety
Payout ratio data not available yet.
Consistency
5 straight years of dividend increases.
Income Trend
Yield on cost is 3.5% and trend is rising.
PBHC Dividend Scorecard
Yield & Income
Dividend Yield2.3%
Trailing DPS$0.39
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings PayoutN/A
Earnings SafetyUnknown
FCF Payout23.4%
FCF SafetyWell Covered
Piotroski F-Score4/9
Growth
Growth Streak5 years
3Y CAGR5.6%
5Y CAGR10.8%
Yield on Cost (5Y)3.5%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield2.3%
1Y Total Return16.5%
5Y Total Return19.9%
Div Contribution (5Y)11.7%
Estimated $10K growth (return + dividends):
5Y ago$11,98710Y ago$17,57120Y ago$29,611
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
PBHC Income Growth Story
Dividend per share and yield on cost over time (31 years of payments)
PBHC Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Pathfinder Bancorp, Inc. has limited earnings payout data (Unknown). When measured against free cash flow—a stricter test—the payout ratio stands at 23.4%, rated "Well Covered".
Piotroski F-Score: 4/9 — moderate financial health.
Growth Track Record
PBHC has raised its dividend for 5 consecutive years, with a 3-year CAGR of 5.6% and 5-year CAGR of 10.8%.
Total Shareholder Returns
Beyond cash dividends, PBHC returns capital through share repurchases. The combined picture: 2.3% dividend yield, 2.3% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.5% and is currently rising. The 5-year total return is 19.9%, with dividends contributing 11.7% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $17,571 today.
PBHC Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$1.83
Avg/Payment$0.0915
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Apr 17, 2026Latest | $0.1000 | — | 2.95% | May 8, 2026 |
| Jan 16, 2026 | $0.1000 | — | 2.79% | Feb 6, 2026 |
| Oct 17, 2025 | $0.1000 | — | 2.66% | Nov 7, 2025 |
| Jul 18, 2025 | $0.1000 | — | 2.62% | Aug 8, 2025 |
| Apr 17, 2025 | $0.1000 | — | 2.58% | May 9, 2025 |
| Jan 17, 2025 | $0.1000 | — | 2.43% | Feb 7, 2025 |
| Oct 18, 2024 | $0.1000 | — | 2.06% | Nov 8, 2024 |
| Jul 19, 2024 | $0.1000 | — | 2.53% | Aug 9, 2024 |
PBHC Dividend vs Peers
Comparable companies in the same industry
#6 yield in peer group
Div Yield
2.3%
#6 of 9
Safety
Unknown
— payout
Streak
5Y
10.8% 5Y CAGR
Total Shareholder
2.3%
#7 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| PBHCPathfinder Bancorp, … | $104M | 2.3% | — | 5 | Unknown |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
2nd  NECBNortheast Community … | $356M | 3.8% | 30.0% | 2 | Sustainable |
 BWFGBankwell Financial G… | $448M | 1.4% | 17.8% | 0 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 TRSTTrustCo Bank Corp NY | $925M | 2.9% | 45.2% | 1 | Sustainable |
3rd  FISIFinancial Institutio… | $735M | 3.3% | 33.0% | 1 | Sustainable |
 CHMGChemung Financial Co… | $341M | 1.9% | 41.9% | 1 | Sustainable |
1st  GLBZGlen Burnie Bancorp | $13M | 6.6% | — | 0 | Unknown |
PBHC Annual Dividend History (1996–2026)
31 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.20 | — | 2 | — | — | — | 1.7% |
| 2025 | $0.40 | 2.6% | 4 | $-0.54 | — | — | 3.5% |
| 2024 | $0.39 | 8.3% | 4 | $0.42 | 92.9% | 1.08x | 3.4% |
| 2023 | $0.36 | 5.9% | 4 | $1.51 | 23.8% | 4.19x | 3.1% |
| 2022 | $0.34 | 25.9% | 4 | $2.13 | 16.0% | 6.26x | 3.0% |
| 2021 | $0.27 | 12.5% | 4 | $2.07 | 13.0% | 7.67x | 2.4% |
| 2020 | $0.24 | 0.0% | 4 | $1.19 | 20.2% | 4.96x | 2.1% |
| 2019 | $0.24 | 1.1% | 4 | $0.80 | 30.0% | 3.33x | 2.1% |
| 2018 | $0.24 | 14.5% | 4 | $0.94 | 25.3% | 3.96x | 2.1% |
| 2017 | $0.21 | 3.7% | 4 | $0.72 | 28.8% | 3.47x | 1.8% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
30+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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PBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
How much dividend does PBHC pay per share?
Pathfinder Bancorp, Inc. (PBHC) pays a trailing 12-month dividend of $0.39 per share, with a current dividend yield of +2.3%. Payments are made Semi-Annual.
When is PBHC's next ex-dividend date?
PBHC's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. PBHC typically pays dividends Semi-Annual.
Is PBHC's dividend safe?
PBHC's dividend safety is rated "Unknown" based on an earnings payout ratio of N/A and FCF payout ratio of +23.4%. The 5-year growth streak provides moderate confidence.
Is PBHC a Dividend Payer?
Yes, Pathfinder Bancorp, Inc. is classified as a Dividend Payer with 5 consecutive years of dividend increases. The 5-year dividend CAGR is +10.8%, demonstrating above-inflation dividend growth.
How often does PBHC pay dividends?
Pathfinder Bancorp, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.39 per share. Dividend data on this page covers 30+ years from 1996 to 2026.
How much would $10,000 invested in PBHC grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in PBHC five years ago would be worth approximately $11,987 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is PBHC's yield on cost for long-term holders?
PBHC's yield on cost — the current dividend divided by the original purchase price — is +3.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.3% market yield, thanks to consistent dividend growth.