NASDAQ:PBHC Pathfinder Bancorp (PBHC) Stock Price, News & Analysis $14.65 +0.16 (+1.10%) Closing price 05/2/2025 03:57 PM EasternExtended Trading$14.98 +0.33 (+2.25%) As of 05/2/2025 04:05 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$14.65▼$14.9750-Day Range$13.71▼$17.1252-Week Range$12.05▼$19.86Volume2,356 shsAverage Volume5,058 shsMarket Capitalization$69.75 millionP/E Ratio24.42Dividend Yield2.73%Price TargetN/AConsensus RatingN/A Company OverviewPathfinder 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™ Stocks30th Percentile Overall ScorePBHC MarketRank™: Pathfinder Bancorp scored higher than 30% of companies evaluated by MarketBeat, and ranked 686th out of 949 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 Valuation0.6 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Pathfinder Bancorp is 24.42, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 21.95.Price to Earnings Ratio vs. SectorThe P/E ratio of Pathfinder Bancorp is 24.42, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.39.Price to Book Value per Share RatioPathfinder Bancorp has a P/B Ratio of 0.57. 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 Shorted0.11% 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 3.45%, indicating that investor sentiment is decreasing. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldPathfinder Bancorp pays a meaningful dividend of 2.67%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthPathfinder Bancorp does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Pathfinder Bancorp is 66.67%. 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 Shorted0.11% 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 3.45%, indicating that investor sentiment is decreasing. News and Social Media2.0 / 5News Sentiment0.59 News SentimentPathfinder Bancorp has a news sentiment score of 0.59. 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 0.89 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Pathfinder Bancorp this week, compared to 1 article on an average week. Company Ownership2.5 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Pathfinder Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $128,803.00 in company stock.Percentage Held by Insiders22.40% 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. Reports Strong First Quarter 2025 Results with $3 Million Net IncomeMay 2 at 10:22 PM | nasdaq.comPathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025April 30 at 4:05 PM | globenewswire.comTrump’s treachery Trump’s Final Reset Inside the shocking plot to re-engineer America’s financial system…and why you need to move your money now.May 3, 2025 | Porter & Company (Ad)Pathfinder Bancorp (NASDAQ:PBHC) Stock Price Passes Below 200-Day Moving Average - Should You Sell?April 25, 2025 | americanbankingnews.comPrivate equity firms account for 29% of Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) ownership, while individual investors account for 29%March 28, 2025 | finance.yahoo.comPathfinder Bancorp, Inc. (PBHC)March 21, 2025 | ca.finance.yahoo.comPathfinder Bancorp senior vice president sells $40,330 in stockFebruary 13, 2025 | msn.comPathfinder Bancorp, Inc. Reports Fourth Quarter 2024 Earnings of $0.69 per Share, Highlights Deposit and Loan GrowthJanuary 31, 2025 | quiverquant.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 at the start of the year. Since then, PBHC shares have decreased by 16.3% and is now trading at $14.65. View the best growth stocks for 2025 here. 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 earnings per share 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 3.07% and a net margin of 4.28%. Who are Pathfinder Bancorp's major shareholders? Pathfinder Bancorp's top institutional investors include FNY Investment Advisers LLC (0.33%). Insiders that own company stock include Ronald Tascarella, Walter Rusnak, James A Dowd, Daniel R Phillips, William D O'brien, Robert G Jr Butkowski, George P Joyce, David A Ayoub, Eric Allyn, Meghan Crawford-Hamlin and Calvin Corriders. View institutional ownership trends. 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 Record date for 2/7 Dividend1/17/2025Ex-Dividend for 2/7 Dividend1/17/2025Dividend Payable2/07/2025Ex-Dividend for 5/9 Dividend4/17/2025Record date for 5/9 Dividend4/18/2025Last Earnings4/30/2025Today5/02/2025Next Earnings (Estimated)5/05/2025Dividend Payable5/09/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:PBHC CIK1609065 Webwww.pathfinderbank.com Phone(315) 343-0057Fax315-342-9403Employees170Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$0.60 Trailing P/E Ratio24.78 Forward P/E RatioN/A P/E GrowthN/ANet Income$3.76 million Net Margins4.28% Pretax Margin3.10% Return on Equity3.07% Return on Assets0.26% Debt Debt-to-Equity Ratio0.33 Current Ratio0.74 Quick Ratio0.74 Sales & Book Value Annual Sales$46.11 million Price / Sales1.54 Cash Flow$2.26 per share Price / Cash Flow6.59 Book Value$25.48 per share Price / Book0.58Miscellaneous Outstanding Shares4,761,000Free Float3,663,000Market Cap$70.80 million OptionableNot Optionable Beta0.03 Social Links The Next 7 Blockbuster Stocks for Growth InvestorsWondering what the next stocks will be that hit it big, with solid fundamentals? Enter your email address to see which stocks MarketBeat analysts could become the next blockbuster growth stocks.Get This Free Report This page (NASDAQ:PBHC) was last updated on 5/3/2025 by MarketBeat.com Staff From Our PartnersThink NVDA’s run was epic? You ain’t seen nothin’ yetAsk most investors and they’ll probably tell you Nvidia is the undisputed AI stock of the decade. In 2023, ...Timothy Sykes | SponsoredElon’s Terrifying Warning Forces Trump To Take ActionElon Musk has avoided two major financial crises before. He pulled Tesla and SpaceX back from the brink of col...American Hartford Gold | SponsoredElon Set to Shock the World by May 1st ?Tech legend Jeff Brown recently traveled to the industrial zone of South Memphis to investigate what he believ...Brownstone Research | SponsoredGold Alert: The Truth About Fort Knox Is ComingOwning physical gold isn’t the best way to profit. 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