NASDAQ:PBHC Pathfinder Bancorp (PBHC) Stock Price, News & Analysis $15.12 +0.11 (+0.70%) As of 07/3/2025 01:04 PM Eastern This is a fair market value 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$15.10▼$15.1550-Day Range$13.71▼$15.7352-Week Range$12.30▼$19.86Volume1,364 shsAverage Volume5,566 shsMarket Capitalization$72.00 millionP/E Ratio22.57Dividend Yield2.64%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 2359th out of 2,763 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 22.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.53.Price to Earnings Ratio vs. SectorThe P/E ratio of Pathfinder Bancorp is 22.57, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.06.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 2.66%, 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 Media1.9 / 5News Sentiment0.40 News SentimentPathfinder Bancorp has a news sentiment score of 0.40. 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 0.67 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 6 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 $0.10 Cash Dividend for Second Quarter 2025 - NasdaqJuly 2 at 7:41 PM | nasdaq.comPathfinder Bancorp, Inc. Declares DividendJune 30, 2025 | globenewswire.comEveryone’s watching Nvidia right now. Here’s why I’m excited.So, unless you’ve been living under a rock, you probably saw the news… Nvidia just signed a $7 BILLION deal with Saudi Arabia to power its new AI empire 🤯 We’re talking about hundreds of thousands of chips, including their latest Grace Blackwell supercomputer. | Timothy Sykes (Ad)Pathfinder Bancorp, Inc. (PBHC) - Yahoo FinanceJune 28, 2025 | finance.yahoo.comPBHC - 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.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 13.6% and is now trading at $15.1250. How were Pathfinder Bancorp's earnings last quarter? Pathfinder Bancorp, Inc. (NASDAQ:PBHC) issued its quarterly earnings data on Wednesday, April, 30th. The savings and loans company reported $0.41 EPS for the quarter. The savings and loans company had revenue of $12.61 million for 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 Dividend4/17/2025Record date for 5/9 Dividend4/18/2025Last Earnings4/30/2025Dividend Payable5/09/2025Today7/04/2025Record 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 Ratio22.57 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 / Sales0.82 Cash Flow$1.05 per share Price / Cash Flow14.36 Book Value$25.74 per share Price / Book0.59Miscellaneous Outstanding Shares4,760,000Free Float4,028,000Market Cap$72.00 million OptionableNot Optionable Beta0.15 Social Links Reduce the RiskMarket downturns give many investors pause, and for good reason. Wondering how to offset this risk? Enter your email address to learn more about using beta to protect your portfolio.Get This Free Report This page (NASDAQ:PBHC) was last updated on 7/4/2025 by MarketBeat.com Staff From Our PartnersElon’s NEXT Big IPO?Cancel your internet TODAY!? Take your latest internet bill and light it on fire… then count the seconds it...Banyan Hill Publishing | SponsoredWhite House to reset Social Security?Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...Altimetry | SponsoredINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredEveryone’s watching Nvidia right now. 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