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    Pathfinder Bancorp Inc (PBHC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $15.71
    -0.40 (-2.48%)

    Market Cap: $101.15M

    Last updated: Aug 31, 2026 at 5:00 PM ET

    Earnings

    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    		$0.42N/AN/ABeat+4100.0%
    Mar 26
    		$-0.01N/AN/ABeat+21.4%
    Dec 25
    		$-0.28N/AN/ABeat-140.1%
    Sep 25
    		$0.10N/AN/ABeat+112.7%
    Jun 25
    		$0.01N/AN/ABeat+249.3%
    Mar 25
    		$-0.01N/AN/ABeat-102.8%
    Dec 24
    		$0.70N/AN/ABeat+67.8%
    Sep 24
    		$-0.76N/AN/ABeat-317.7%
    Jun 24
    		$-0.01N/AN/ABeat-102.0%
    Mar 24
    		$0.35N/AN/ABeat+4016.9%
    Dec 23
    		$0.42N/AN/ABeat-29.4%
    Sep 23
    		$0.35N/AN/ABeat-34.6%
    Jun 23
    		$0.33N/AN/ABeat-39.0%
    Mar 23
    		$-0.01N/AN/ABeat-100.9%
    Dec 22
    		$0.59N/AN/ABeat+20.8%
    Sep 22
    		$0.54N/AN/ABeat+24.4%
    Jun 22
    		$0.54N/AN/ABeat+12.5%
    Mar 22
    		$0.94N/AN/ABeat+161.1%
    Dec 21
    		$0.49N/AN/ABeat+48.5%
    Sep 21
    		$0.43N/AN/ABeat+72.0%
    Jun 21
    		$0.48N/AN/ABeat+54.8%
    Mar 21
    		$0.36N/AN/ABeat+24.1%
    Dec 20
    		$0.33N/AN/ABeat+0.0%
    Sep 20
    		$0.25N/AN/ABeat+13.6%
    Jun 20
    		$0.31N/AN/ABeat+121.4%
    Mar 20
    		$0.29N/AN/ABeat+141.7%
    Dec 19
    		$0.33N/AN/ABeat+26.9%
    Sep 19
    		$0.22N/AN/ABeat-4.3%
    Jun 19
    		$0.14N/AN/ABeat-36.4%
    Mar 19
    		$0.12N/AN/ABeat-50.0%
    Dec 18
    		$0.26N/AN/ABeat+52.9%
    Sep 18
    		$0.23N/AN/ABeat+4.5%
    Jun 18
    		$0.22N/AN/ABeat+0.0%
    Mar 18
    		$0.24N/AN/ABeat+26.3%
    Dec 17
    		$0.17N/AN/ABeat-10.5%
    Sep 17
    		$0.22N/AN/ABeat-4.6%
    Jun 17
    		$0.22N/AN/ABeat-
    Mar 17
    		$0.19N/AN/ABeat-
    Dec 16
    		$0.19N/AN/ABeat-
    Sep 16
    		$0.23N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield2.55%
    Annual/Share$0.40
    Payout Ratio58.19%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+5.57%
    5Y CAGR+10.76%
    View PBHC's full dividend history

    Key Metrics

    Valuation
    P/E Ratio68.84EV/EBITDAN/A
    Price/FCF7.59xFCF Yield13.18%
    Profitability
    Profit Margin0.42%Operating Margin29.40%
    ROE0.11%ROIC1.67%
    Financial Health
    Debt/Equity0.99xInterest Coverage0.14x
    Current Ratio0.14xQuick Ratio0.14x
    Trading Statistics
    Beta0.13Avg Volume4.79K
    52-Week High$17.2952-Week Low$11.89

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$16.36
    SMA 20$16.31
    SMA 50$16.16
    SMA 200$14.33
    EMA 10$16.24
    EMA 20$16.26
    EMA 50$15.93
    EMA 200$14.90

    MACD

    Line: 0.04Signal: 0.12Hist: -0.08

    ADX

    ADX: 36.0+DI: 25.5-DI: 19.0

    Aroon & PSAR

    Aroon Up36.0
    Aroon Down24.0
    PSAR$17.22

    Bollinger Bands

    Upper Band$16.77
    Lower Band$15.86
    %B Position559%(Upper)
    Band Width-0.16

    RSI (14-Day)

    Neutral
    39.1

    Momentum Oscillators

    Stoch %K15.8
    Stoch %D28.1
    Williams %R-100.0
    ROC (10d)-3.4%
    Momentum-0.56
    CCI (20d)-226.2
    MFI (14d)49.4

    Volatility Measures

    ATR (14d)$0.42(2.7%)
    StdDev (20d)0.23
    Hist Vol22.1%(Moderate)

    Volume Flow

    VWAP$15.76
    OBV154.7K
    AD Line-230318274192.1B
    CMF (20d)-0.580

    Volume Metrics

    Avg Vol (20d)4.7K
    Vol Ratio1.8x(High)
    VWMA (20d)$16.30

    Pivot Points

    R3$16.57
    R2$16.44
    R1$16.27
    Pivot Point$16.14
    S1$15.97
    S2$15.84
    S3$15.67

    Advanced Oscillators

    TSI3.61
    Ultimate Osc21.0
    KST15.34

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$19.29M$18.83M$19.61M$21.24M$17.66M$20.64M$20.78M$22.63M$20.00M$20.05M$19.43M$18.59M
    Cost of Revenue$7.38M$6.99M$18.98M$11.63M$9.56M$8.49M$10.14M$18.44M$9.83M$9.92M$9.43M$8.44M
    Gross Profit$11.91M$11.84M$629,000$9.61M$8.10M$12.15M$10.65M$4.20M$10.17M$10.13M$10.00M$10.15M
    Operating Expenses$8.66M$8.89M$9.15M$8.94M$8.06M$8.43M$4.90M$9.99M$7.68M$7.42M$6.83M$7.38M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$6.03M$6.18M$4.92M$5.18M$4.53M$4.68M$4.35M$5.19M$4.63M$4.56M$3.90M$4.38M
    Operating Income$3.25M$2.94M$-8,521,000$672,000$38,000$3.72M$5.75M$-5,789,000$2.49M$2.71M$3.17M$2.77M
    Interest Income$0$17.45M$18.21M$19.69M$19.16M$19.35M$19.36M$21.05M$18.84M$18.48M$18.10M$17.67M
    Interest Expense$7.53M$7.16M$7.78M$8.14M$8.37M$8.03M$9.15M$9.47M$9.54M$9.21M$9.17M$7.61M
    Income Before Tax$3.25M$2.94M$-8,521,000$672,000$38,000$3.72M$5.75M$-5,789,000$2.49M$2.71M$3.17M$2.77M
    Income Tax Expense$585,000$530,000$-1,473,000$46,000$7,000$744,000$492,000$-1,173,000$481,000$532,000$590,000$573,000
    Net Income$2.67M$2.41M$-7,048,000$626,000$31,000$2.97M$3.91M$-4,644,000$2.00M$2.12M$2.54M$2.18M
    EBITDA$3.25M$3.58M$-8,364,000$1.49M$551,000$4.38M$5.96M$-5,315,000$2.79M$3.06M$3.54M$3.10M
    EBIT$3.89M$2.94M$-8,521,000$672,000$38,000$3.72M$5.75M$-5,789,000$2.49M$2.71M$3.17M$2.77M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Pathfinder Bancorp (PBHC) Insider Trading Activity 2026

    The article details Pathfinder Bancorp's (PBHC) insider trading activity for 2026, showing that insiders own 15.70% of the stock. Over the last 24 months, there has been insider buying totaling $61,939.50 from three executives and selling totaling $342,629.30 from four executives. The article also lists the current insider roster and provides a historical table of buy transactions.

    MarketBeat•8/14/26•
    Neutral

    Pathfinder Bancorp, Inc. 2Q 2026: Revenue $18.07M, Net income $2.67M, EPS $0.42— 10-Q Summary

    Pathfinder Bancorp, Inc. (PBHC) reported its second-quarter 2026 results, showing significant improvement in net income and diluted EPS compared to the prior year, despite a slight decrease in interest and dividend income. The improved profitability was primarily due to the absence of a large LOCOM adjustment from the previous year and lower provision expenses. The bank also focused on stabilizing funding costs by managing deposits and strengthening credit review processes.

    TradingView•8/14/26•
    Bullish

    Pathfinder Bancorp Inc (MARYLAND) (PBHC) Stock News Today

    This article provides current stock information for Pathfinder Bancorp Inc (MARYLAND) (PBHC), including its stock price, market cap, and a note that more news is coming soon. As of the close on August 7, the stock was trading at $16.50, down 1.87%. The page is a placeholder for news, earnings, and analyst ratings for PBHC.

    TradingKey•8/8/26•
    Neutral

    Technical Reactions to PBHC Trends in Macro Strategies

    This article provides a technical analysis of Pathfinder Bancorp Inc. (NASDAQ: PBHC), highlighting strong near-term sentiment that could influence neutral mid and long-term outlooks. It details AI-generated trading strategies including position trading, momentum breakout, and risk hedging, along with multi-timeframe signal analysis for support and resistance levels. The analysis suggests compelling upside potential as no resistance levels remain above the current price.

    Stock Traders Daily•8/7/26•
    Bullish

    Pathfinder Bancorp Inc (MARYLAND) (PBHC) Earnings Forecast: Future EPS & Revenue Growth Estimates

    This article provides an earnings forecast for Pathfinder Bancorp Inc (MARYLAND) (PBHC), detailing future EPS and revenue growth estimates. It includes current stock information, market capitalization, and a list of peer companies for comparison. The content was updated on August 7, 2026, and focuses on financial forecasting for the company.

    TradingKey•8/7/26•
    Somewhat-Bullish

    Frequently Asked Questions About PBHC

    What is PBHC's current dividend yield?
    Pathfinder Bancorp Inc (PBHC) has a current dividend yield of 2.55%.
    Does PBHC pay dividends?
    Yes, Pathfinder Bancorp Inc pays dividends with a current yield of 2.55%.
    What is PBHC's P/E ratio?
    Pathfinder Bancorp Inc has a price-to-earnings (P/E) ratio of 68.84.
    What is PBHC's market cap?
    Pathfinder Bancorp Inc (PBHC) has a market capitalization of $101.15M with a current stock price of $15.71.

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