Pathfinder Bancorp (PBHC) Stock Price, News & Analysis

Company Overview

Pathfinder Bancorp, Inc. is the bank holding company for Pathfinder Bank, a community-focused financial institution headquartered in Oswego, New York. Founded in 1859, Pathfinder Bank serves individuals, families, businesses, nonprofit organizations and municipalities through a network of banking offices and digital services.

The bank provides a range of deposit products, including checking, savings, money market and certificate accounts, along with residential mortgage, home equity, consumer and commercial loans. Its business banking services include commercial real estate lending, construction financing, business lines of credit, cash management and other treasury services.

Pathfinder Bank primarily serves communities in Central New York, including the Oswego, Syracuse and Auburn areas. Pathfinder Bancorp became a publicly traded company on the Nasdaq under the symbol PBHC in 2017. The organization emphasizes relationship-based banking and local decision-making for the communities and businesses within its service area.

Key Stats

• Today's Range: $16.73 to $17.45
• 50-Day Range: $15.60 to $18.02
• 52-Week Range: $12.06 to $18.30
• Volume: 1,248 shs
• Average Volume: 2,541 shs
• Market Capitalization: $85.14 million
• P/E Ratio: N/A
• Dividend Yield: 2.30%
• Price Target: N/A
• Consensus Rating: Hold

Pathfinder Bancorp Stock Analysis - MarketRank™

Pathfinder Bancorp scored higher than 30% of companies evaluated by MarketBeat, and ranked 707th out of 839 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Pathfinder Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Pathfinder Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pathfinder Bancorp is -82.73, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathfinder Bancorp is -82.73, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Pathfinder Bancorp has a P/B Ratio of 0.68. 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

0.22% 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 1.48, 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 27.32%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Pathfinder Bancorp pays a meaningful dividend of 2.29%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

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

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.44

News Sentiment

Pathfinder Bancorp has a news sentiment score of 0.44. 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 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Pathfinder Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.9 / 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

15.70% 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

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

Company Calendar

• Record date for 8/7 Dividend: 7/17/2026
• Ex-Dividend for 8/7 Dividend: 7/17/2026
• Last Earnings: 7/30/2026
• Dividend Payable: 8/07/2026
• Today: 10/05/2026
• Record date for 11/6 Dividend: 10/16/2026
• Ex-Dividend for 11/6 Dividend: 10/16/2026
• Dividend Payable: 11/06/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PBHC
• CIK: 1609065
• Web: www.pathfinderbank.com
• Phone: (315) 343-0057
• Fax: 315-342-9403
• Employees: 187
• Year Founded: 1859

Profitability

• EPS (Trailing Twelve Months): ($0.21)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.93 million
• Net Margins: -1.70%
• Pretax Margin: -2.10%
• Return on Equity: -1.08%
• Return on Assets: -0.09%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 0.69
• Quick Ratio: 0.68

Sales & Book Value

• Annual Sales: $79.15 million
• Price / Sales: 1.08
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $25.54 per share
• Price / Book: 0.68

Miscellaneous

• Outstanding Shares: 4,900,000
• Free Float: 4,129,000
• Market Cap: $85.14 million
• Optionable: Not Optionable
• Beta: 0.12