Pathfinder Bancorp (PBHC) Stock Price, News & Analysis

Company Overview

Pathfinder Bancorp, Inc. is the bank holding company for Pathfinder Bank, a state-chartered commercial bank headquartered in Ridgefield, Connecticut. Through its branch network, the company offers a broad range of financial services to individuals, small and medium-sized businesses, nonprofit organizations and municipalities across southwestern Connecticut. The bank focuses on delivering relationship-driven banking solutions tailored to local clients while maintaining the flexibility and responsiveness of a community institution.

The company’s core business activities include deposit-taking and lending. On the deposit side, Pathfinder Bank provides checking and savings accounts, money market accounts and certificates of deposit, along with online and mobile banking services, debit card access and remote deposit capture. Its lending portfolio encompasses commercial real estate loans, construction and development financing, commercial and industrial loans, residential mortgage lending and consumer credit. In addition, the bank offers treasury management and cash-management services designed to streamline payroll, receivables and payables for business clients.

Founded over a century ago by local civic leaders, Pathfinder has grown in tandem with the communities it serves. In recent years, the organization adopted a bank holding company structure to support strategic growth initiatives and enhance capital flexibility. The company’s executive leadership team brings decades of banking and financial services experience, guiding Pathfinder’s approach to risk management, regulatory compliance and customer service excellence.

Committed to community involvement, Pathfinder Bancorp actively participates in economic development projects and philanthropic activities throughout its market area. The company maintains close ties with municipal officials, local chambers of commerce and nonprofit organizations to support affordable housing, small business lending and financial literacy programs. Through its combination of personalized service and technology-driven solutions, Pathfinder aims to sustain long-term client relationships and foster economic growth in the region.

Key Stats

• Today's Range: $15.25 to $15.25
• 50-Day Range: $14.41 to $15.73
• 52-Week Range: $13.71 to $19.86
• Volume: 221 shs
• Average Volume: 5,364 shs
• Market Capitalization: $71.66 million
• P/E Ratio: 22.47
• Dividend Yield: 2.66%
• Price Target: N/A
• Consensus Rating: N/A

Pathfinder Bancorp Stock Analysis - MarketRank™

Pathfinder Bancorp scored higher than 52% of companies evaluated by MarketBeat, and ranked 679th out of 914 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pathfinder Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pathfinder Bancorp is 22.47, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathfinder Bancorp is 22.47, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Pathfinder Bancorp has a P/B Ratio of 0.58. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.13% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 20.93%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pathfinder Bancorp pays a meaningful dividend of 2.62%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pathfinder Bancorp has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Pathfinder Bancorp is 59.70%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.13% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 20.93%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.37

News Sentiment

Pathfinder Bancorp has a news sentiment score of 0.37. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.78 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Pathfinder Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pathfinder Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

22.40% of the stock of Pathfinder Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 26.73% of the stock of Pathfinder Bancorp is held by institutions.

PBHC Stock Analysis - Frequently Asked Questions

How have PBHC shares performed this year?

Pathfinder Bancorp's stock was trading at $17.50 at the beginning of 2025. Since then, PBHC stock has decreased by 14.0% and is now trading at $15.0550.

How were Pathfinder Bancorp's earnings last quarter?

Pathfinder Bancorp, Inc. (NASDAQ:PBHC) announced its quarterly earnings results on Wednesday, April, 30th. The savings and loans company reported $0.41 EPS for the quarter. The savings and loans company earned $12.61 million during the quarter. Pathfinder Bancorp had a trailing twelve-month return on equity of 3.75% and a net margin of 5.23%.

How do I buy shares of Pathfinder Bancorp?

Shares of PBHC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pathfinder Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pathfinder Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF) and Novo Nordisk A/S (NVO).

Company Calendar

• Ex-Dividend for 5/9 Dividend: 4/17/2025
• Record date for 5/9 Dividend: 4/18/2025
• Last Earnings: 4/30/2025
• Dividend Payable: 5/09/2025
• Record date for 8/8 Dividend: 7/18/2025
• Ex-Dividend for 8/8 Dividend: 7/18/2025
• Today: 7/21/2025
• Next Earnings (Estimated): 8/04/2025
• Dividend Payable: 8/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PBHC
• CIK: 1609065
• Web: www.pathfinderbank.com
• Phone: (315) 343-0057
• Fax: 315-342-9403
• Employees: 170
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.67
• Trailing P/E Ratio: 22.66
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.38 million
• Net Margins: 5.23%
• Pretax Margin: 7.00%
• Return on Equity: 3.75%
• Return on Assets: 0.31%

Debt

• Debt-to-Equity Ratio: 0.14
• Current Ratio: 0.73
• Quick Ratio: 0.73

Sales & Book Value

• Annual Sales: $87.92 million
• Price / Sales: 0.82
• Cash Flow: $1.04 per share
• Price / Cash Flow: 14.58
• Book Value: $25.74 per share
• Price / Book: 0.59

Miscellaneous

• Outstanding Shares: 4,760,000
• Free Float: 3,695,000
• Market Cap: $72.26 million
• Optionable: Not Optionable
• Beta: 0.15