Pathfinder Bancorp (PBHC) Stock Price, News & Analysis

Company Overview

Pathfinder Bancorp, Inc. is a bank holding company headquartered in northeastern Pennsylvania that operates primarily through its subsidiary, Pathfinder Bank. The company offers a broad range of commercial and consumer banking solutions, including checking and savings accounts, time deposits, certificates of deposit, and retirement accounts. Through its branch network, Pathfinder Bancorp serves individuals, small businesses, and community organizations across its local market.

In addition to traditional deposit products, Pathfinder Bancorp provides a variety of lending services such as commercial real estate loans, construction and land development financing, agricultural credits, equipment loans, and consumer installment loans. The company also offers residential mortgage lending, home equity lines of credit, and specialized lending programs designed to meet the needs of first-time homebuyers and small business entrepreneurs.

Committed to community banking principles, Pathfinder Bancorp integrates its banking services with digital platforms, including online and mobile banking, electronic bill payment, and remote deposit capture. The company emphasizes personalized service, local decision-making, and community reinvestment. Pathfinder Bancorp’s leadership team comprises experienced banking professionals dedicated to fostering customer relationships and supporting regional economic development.

Key Stats

• Today's Range: $15.97 to $16.81
• 50-Day Range: $13.01 to $16.87
• 52-Week Range: $12.06 to $17.40
• Volume: 11,248 shs
• Average Volume: 8,095 shs
• Market Capitalization: $78.96 million
• P/E Ratio: N/A
• Dividend Yield: 2.47%
• Price Target: N/A
• Consensus Rating: Sell

Pathfinder Bancorp Stock Analysis - MarketRank™

Pathfinder Bancorp scored higher than 36% of companies evaluated by MarketBeat, and ranked 749th out of 878 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: 0.7 / 5
• Analyst Rating: Sell

Consensus Rating

Pathfinder Bancorp has received a consensus rating of Sell. The company's average rating score is 1.00, and is based on no strong buy ratings, no buy ratings, no hold ratings, and 1 sell rating.

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 -26.22, 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 -26.22, 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 0.65. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.24% 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 0.52, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently increased by 11.92%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Pathfinder Bancorp pays a meaningful dividend of 2.45%, 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: 3.7 / 5
• News Sentiment: N/A

News Sentiment

Pathfinder Bancorp has a news sentiment score of 1.87. 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 higher news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

1 people have searched for PBHC on MarketBeat in the last 30 days.

Company Ownership

• Score: 4.5 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 insiders have purchased shares of Pathfinder Bancorp in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $35,046.00 in company stock, which represents 0.0435% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Pathfinder Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $35,046.00 in company stock and sold $0.00 in 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 5/8 Dividend: 4/17/2026
• Ex-Dividend for 5/8 Dividend: 4/17/2026
• Last Earnings: 4/29/2026
• Dividend Payable: 5/08/2026
• Today: 7/15/2026
• Record date for 8/7 Dividend: 7/17/2026
• Ex-Dividend for 8/7 Dividend: 7/17/2026
• Dividend Payable: 8/07/2026
• Fiscal Year End: 12/31/2026

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: 1859

Profitability

• EPS (Trailing Twelve Months): ($0.63)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.93 million
• Net Margins: -4.96%
• Pretax Margin: -6.07%
• Return on Equity: -3.20%
• Return on Assets: -0.27%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.74
• Quick Ratio: 0.73

Sales & Book Value

• Annual Sales: $79.15 million
• Price / Sales: 1.00
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $25.54 per share
• Price / Book: 0.63

Miscellaneous

• Outstanding Shares: 4,880,000
• Free Float: 4,110,000
• Market Cap: $78.96 million
• Optionable: Not Optionable
• Beta: 0.14