Pathfinder Bancorp, Inc.

NasdaqCM:PBHC Stock Report

Market Cap: US$93.7m

Pathfinder Bancorp (PBHC) Stock Overview

Operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. More details

PBHC fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance1/6
Financial Health6/6
Dividends4/6

PBHC Community Fair Values

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Pathfinder Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Pathfinder Bancorp
Historical stock prices
Current Share PriceUS$15.16
52 Week HighUS$19.86
52 Week LowUS$13.71
Beta0.16
1 Month Change0.20%
3 Month Change-2.19%
1 Year Change8.75%
3 Year Change-21.45%
5 Year Change59.58%
Change since IPO334.29%

Recent News & Updates

Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Jul 05
Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Recent updates

Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Jul 05
Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Apr 04
Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10

Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year

Apr 05
Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year

Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09

Apr 07
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09

Pathfinder declares $0.09 dividend

Sep 26

Pathfinder GAAP EPS of $0.54, revenue of $11.25M

Aug 01

Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Mar 31
Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Jul 01
Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year

Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now

May 29
Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now

Shareholder Returns

PBHCUS BanksUS Market
7D-0.3%-0.7%-0.09%
1Y8.8%18.4%12.4%

Return vs Industry: PBHC underperformed the US Banks industry which returned 18.6% over the past year.

Return vs Market: PBHC underperformed the US Market which returned 10% over the past year.

Price Volatility

Is PBHC's price volatile compared to industry and market?
PBHC volatility
PBHC Average Weekly Movement5.1%
Banks Industry Average Movement3.8%
Market Average Movement6.4%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.2%

Stable Share Price: PBHC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PBHC's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1859177Jim Dowdwww.pathfinderbank.com

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. 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 loans, 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.

Pathfinder Bancorp, Inc. Fundamentals Summary

How do Pathfinder Bancorp's earnings and revenue compare to its market cap?
PBHC fundamental statistics
Market capUS$93.66m
Earnings (TTM)US$3.22m
Revenue (TTM)US$41.32m
28.9x
P/E Ratio
0.7x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PBHC income statement (TTM)
RevenueUS$41.32m
Cost of RevenueUS$0
Gross ProfitUS$41.32m
Other ExpensesUS$38.10m
EarningsUS$3.22m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.52
Gross Margin100.00%
Net Profit Margin7.79%
Debt/Equity Ratio59.9%

How did PBHC perform over the long term?

See historical performance and comparison

Dividends

2.6%
Current Dividend Yield
76%
Payout Ratio

Does PBHC pay a reliable dividends?

See PBHC dividend history and benchmarks
When do you need to buy PBHC by to receive an upcoming dividend?
Pathfinder Bancorp dividend dates
Ex Dividend DateJul 18 2025
Dividend Pay DateAug 08 2025
Days until Ex dividend0 days
Days until Dividend pay date21 days

Does PBHC pay a reliable dividends?

See PBHC dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/16 09:32
End of Day Share Price 2025/07/16 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Pathfinder Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.