NASDAQ:PBHC Pathfinder Bancorp (PBHC) Stock Price, News & Analysis $15.10 +0.08 (+0.50%) Closing price 03:58 PM EasternExtended Trading$15.10 0.00 (0.00%) As of 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Pathfinder Bancorp Stock (NASDAQ:PBHC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Pathfinder Bancorp alerts:Sign Up Key Stats Today's Range$15.02▼$15.0250-Day Range$13.71▼$15.7352-Week Range$12.30▼$19.86Volume317 shsAverage Volume5,540 shsMarket Capitalization$71.87 millionP/E Ratio22.53Dividend Yield2.65%Price TargetN/AConsensus RatingN/A Company Overview Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York. Read More Pathfinder Bancorp Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks29th Percentile Overall ScorePBHC MarketRank™: Pathfinder Bancorp scored higher than 29% of companies evaluated by MarketBeat, and ranked 761st out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Pathfinder Bancorp. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Pathfinder Bancorp is 22.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.17.Price to Earnings Ratio vs. SectorThe P/E ratio of Pathfinder Bancorp is 22.53, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.96.Price to Book Value per Share RatioPathfinder Bancorp has a P/B Ratio of 0.59. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Pathfinder Bancorp's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.16% of the float of Pathfinder Bancorp has been sold short.Short Interest Ratio / Days to CoverPathfinder Bancorp has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Pathfinder Bancorp has recently increased by 13.16%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldPathfinder Bancorp pays a meaningful dividend of 2.61%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthPathfinder Bancorp has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Pathfinder Bancorp is 59.70%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Pathfinder Bancorp's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.16% of the float of Pathfinder Bancorp has been sold short.Short Interest Ratio / Days to CoverPathfinder Bancorp has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Pathfinder Bancorp has recently increased by 13.16%, indicating that investor sentiment is decreasing significantly. News and Social Media2.0 / 5News Sentiment0.61 News SentimentPathfinder Bancorp has a news sentiment score of 0.61. 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 0.86 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for Pathfinder Bancorp this week, compared to 1 article on an average week. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Pathfinder Bancorp insiders have not sold or bought any company stock.Percentage Held by Insiders15.40% 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 InstitutionsOnly 26.73% of the stock of Pathfinder Bancorp is held by institutions.Read more about Pathfinder Bancorp's insider trading history. Receive PBHC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Pathfinder Bancorp and its competitors with MarketBeat's FREE daily newsletter. Email Address PBHC Stock News HeadlinesPathfinder Bancorp, Inc. Declares DividendJune 30 at 4:05 PM | globenewswire.comPathfinder Bancorp, Inc. (PBHC) - Yahoo FinanceJune 28, 2025 | finance.yahoo.comThis Signal Only Flashes Once Every 4 Years – And It Just TriggeredThis same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in crypto. Now it’s back, and the smart money is already positioning. A free training reveals the step-by-step strategy and altcoin picks designed to help you capitalize on the next wave.July 2 at 2:00 AM | Crypto Swap Profits (Ad)PBHC - Pathfinder Bancorp Inc Sustainability - MorningstarJune 26, 2025 | morningstar.comMPBHC Pathfinder Bancorp, Inc. - Seeking AlphaJune 26, 2025 | seekingalpha.compathfinder bancorp shareholders approve director elections and auditorJune 7, 2025 | investing.comPathfinder Bancorp First Quarter 2025 Earnings: EPS: US$0.63 (vs US$0.26 in 1Q 2024)May 3, 2025 | finance.yahoo.comPathfinder Bancorp First Quarter 2025 Earnings: EPS: US$0.63 (vs US$0.26 in 1Q 2024)May 3, 2025 | finance.yahoo.comSee More Headlines PBHC Stock Analysis - Frequently Asked Questions How have PBHC shares performed this year? Pathfinder Bancorp's stock was trading at $17.50 on January 1st, 2025. Since then, PBHC stock has decreased by 13.7% and is now trading at $15.0950. View the best growth stocks for 2025 here. How were Pathfinder Bancorp's earnings last quarter? Pathfinder Bancorp, Inc. (NASDAQ:PBHC) posted its earnings results on Wednesday, April, 30th. The savings and loans company reported $0.41 earnings per share for the quarter. The savings and loans company had revenue of $12.61 million for the quarter. Pathfinder Bancorp had a net margin of 5.23% and a trailing twelve-month return on equity of 3.75%. 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 Dividend4/17/2025Record date for 5/9 Dividend4/18/2025Last Earnings4/30/2025Dividend Payable5/09/2025Today7/02/2025Record date for 8/8 Dividend7/18/2025Ex-Dividend for 8/8 Dividend7/18/2025Next Earnings (Estimated)8/04/2025Dividend Payable8/08/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry FIN - SVGS & LOAN Sub-IndustryBanking Current SymbolNASDAQ:PBHC CIK1609065 Webwww.pathfinderbank.com Phone(315) 343-0057Fax315-342-9403Employees170Year FoundedN/AProfitability EPS (Trailing Twelve Months)$0.67 Trailing P/E Ratio22.42 Forward P/E RatioN/A P/E GrowthN/ANet Income$3.38 million Net Margins5.23% Pretax Margin7.00% Return on Equity3.75% Return on Assets0.31% Debt Debt-to-Equity Ratio0.14 Current Ratio0.73 Quick Ratio0.73 Sales & Book Value Annual Sales$87.92 million Price / Sales0.81 Cash Flow$1.02 per share Price / Cash Flow14.66 Book Value$25.74 per share Price / Book0.58Miscellaneous Outstanding Shares4,760,000Free Float3,695,000Market Cap$71.50 million OptionableNot Optionable Beta0.15 Social Links A Guide To High-Short-Interest StocksMarketBeat's analysts have just released their top five short plays for July 2025. 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