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
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
Community vs My Fair Value
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Pathfinder Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$14.98 |
| 52 Week High | US$19.86 |
| 52 Week Low | US$12.05 |
| Beta | 0.13 |
| 1 Month Change | -7.05% |
| 3 Month Change | -13.89% |
| 1 Year Change | 22.22% |
| 3 Year Change | -24.65% |
| 5 Year Change | 60.31% |
| Change since IPO | 329.24% |
Recent News & Updates
Recent updates
Pathfinder Bancorp (NASDAQ:PBHC) Is Due To Pay A Dividend Of $0.10
Apr 04
Pathfinder Bancorp (NASDAQ:PBHC) Is Paying Out A Larger Dividend Than Last Year
Apr 05Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.09
Apr 07Pathfinder declares $0.09 dividend
Sep 26Pathfinder GAAP EPS of $0.54, revenue of $11.25M
Aug 01Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year
Mar 31Pathfinder Bancorp's (NASDAQ:PBHC) Shareholders Will Receive A Bigger Dividend Than Last Year
Jul 01Shareholders May Be A Bit More Conservative With Pathfinder Bancorp, Inc.'s (NASDAQ:PBHC) CEO Compensation For Now
May 29Here's Why I Think Pathfinder Bancorp (NASDAQ:PBHC) Might Deserve Your Attention Today
Mar 23Shareholder Returns
| PBHC | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.3% | 0.4% | -0.3% |
| 1Y | 22.2% | 15.2% | 8.0% |
Return vs Industry: PBHC exceeded the US Banks industry which returned 16% over the past year.
Return vs Market: PBHC exceeded the US Market which returned 8.2% over the past year.
Price Volatility
| PBHC volatility | |
|---|---|
| PBHC Average Weekly Movement | 5.3% |
| Banks Industry Average Movement | 4.7% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 4.1% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1859 | 177 | Jim Dowd | www.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
| PBHC fundamental statistics | |
|---|---|
| Market cap | US$90.78m |
| Earnings (TTM) | US$3.42m |
| Revenue (TTM) | US$41.32m |
26.9x
P/E Ratio0.7x
P/B RatioIs PBHC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PBHC income statement (TTM) | |
|---|---|
| Revenue | US$41.32m |
| Cost of Revenue | US$0 |
| Gross Profit | US$41.32m |
| Other Expenses | US$37.90m |
| Earnings | US$3.42m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.56 |
| Gross Margin | 100.00% |
| Net Profit Margin | 8.28% |
| Debt/Equity Ratio | 59.9% |
How did PBHC perform over the long term?
See historical performance and comparisonDividends
2.7%
Current Dividend Yield71%
Payout RatioDoes PBHC pay a reliable dividends?
See PBHC dividend history and benchmarks| Pathfinder Bancorp dividend dates | |
|---|---|
| Ex Dividend Date | Apr 17 2025 |
| Dividend Pay Date | May 09 2025 |
| Days until Ex dividend | 24 days |
| Days until Dividend pay date | 2 days |
Does PBHC pay a reliable dividends?
See PBHC dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/09 17:48 |
| End of Day Share Price | 2025/05/09 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.