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    P

    Pathfinder Bancorp Inc (PBHC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $16.95
    +0.25 (+1.53%)

    Market Cap: $104.85M

    Last updated: Oct 15, 2026 at 5:00 PM ET

    Earnings

    PeriodReportedEst.SurpriseB/MYoY
    Jun 26
    Reported Jul 30
    		$0.42N/AN/ABeat+4100.0%
    Mar 26
    Reported Apr 29
    		$-0.01N/AN/ABeat+21.4%
    Dec 25
    Reported Jan 29
    		$-0.28N/AN/ABeat-140.1%
    Sep 25
    Reported Oct 30
    		$0.10N/AN/ABeat+112.7%
    Jun 25
    Reported Jul 30
    		$0.01N/AN/ABeat+249.3%
    Mar 25
    Reported Apr 30
    		$-0.01N/AN/ABeat-102.8%
    Dec 24
    Reported Mar 31
    		$0.70N/AN/ABeat+67.8%
    Sep 24
    Reported Oct 30
    		$-0.76N/AN/ABeat-317.7%
    Jun 24
    Reported Jul 29
    		$-0.01N/AN/ABeat-102.0%
    Mar 24
    Reported Apr 29
    		$0.35N/AN/ABeat+4016.9%
    Dec 23
    Reported Mar 22
    		$0.42N/AN/ABeat-29.4%
    Sep 23
    Reported Nov 1
    		$0.35N/AN/ABeat-34.6%
    Jun 23
    Reported Aug 1
    		$0.33N/AN/ABeat-39.0%
    Mar 23
    Reported May 2
    		$-0.01N/AN/ABeat-100.9%
    Dec 22
    Reported Mar 31
    		$0.59N/AN/ABeat+20.8%
    Sep 22
    Reported Oct 31
    		$0.54N/AN/ABeat+24.4%
    Jun 22
    Reported Aug 1
    		$0.54N/AN/ABeat+12.5%
    Mar 22
    Reported May 2
    		$0.94N/AN/ABeat+161.1%
    Dec 21
    Reported Mar 25
    		$0.49N/AN/ABeat+48.5%
    Sep 21
    Reported Nov 2
    		$0.43N/AN/ABeat+72.0%
    Jun 21
    Reported Aug 2
    		$0.48N/AN/ABeat+54.8%
    Mar 21
    Reported May 3
    		$0.36N/AN/ABeat+24.1%
    Dec 20
    Reported Mar 30
    		$0.33N/AN/ABeat+0.0%
    Sep 20
    Reported Nov 10
    		$0.25N/AN/ABeat+13.6%
    Jun 20
    Reported Aug 3
    		$0.31N/AN/ABeat+121.4%
    Mar 20
    Reported May 18
    		$0.29N/AN/ABeat+141.7%
    Dec 19
    Reported Mar 23
    		$0.33N/AN/ABeat+26.9%
    Sep 19
    Reported Nov 1
    		$0.22N/AN/ABeat-4.3%
    Jun 19
    Reported Jul 29
    		$0.14N/AN/ABeat-36.4%
    Mar 19
    Reported Apr 26
    		$0.12N/AN/ABeat-50.0%
    Dec 18
    Reported Mar 27
    		$0.26N/AN/ABeat+52.9%
    Sep 18
    Reported Oct 26
    		$0.23N/AN/ABeat+4.5%
    Jun 18
    Reported Jul 27
    		$0.22N/AN/ABeat+0.0%
    Mar 18
    Reported Apr 30
    		$0.24N/AN/ABeat+26.3%
    Dec 17
    Reported Mar 30
    		$0.17N/AN/ABeat-10.5%
    Sep 17
    Reported Oct 27
    		$0.22N/AN/ABeat-
    Jun 17
    Reported Jul 28
    		$0.22N/AN/ABeat-
    Mar 17
    Reported Apr 28
    		$0.19N/AN/ABeat-
    Dec 16
    Reported Mar 31
    		$0.19N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.36%
    Forward Annual Dividend$0.40
    Payout Ratio58.19%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+5.57%
    5Y CAGR+10.76%
    PBHC dividend history and ex-dividend datesRun PBHC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio74.30EV/EBITDA28.16x
    Price/FCF8.19xFCF Yield12.22%
    Profitability
    Profit Margin0.42%Operating Margin29.40%
    ROE0.11%ROIC1.65%
    Financial Health
    Debt/Equity1.30xInterest Coverage0.19x
    Current Ratio0.14xQuick Ratio0.14x
    Trading Statistics
    Beta0.12Avg Volume1.88K
    52-Week High$18.3052-Week Low$11.89

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$16.96
    SMA 20$17.16
    SMA 50$16.73
    SMA 200$14.77
    EMA 10$16.93
    EMA 20$16.97
    EMA 50$16.70
    EMA 200$15.43

    MACD

    Line: 0.01Signal: 0.09Hist: -0.08

    ADX

    ADX: 38.4+DI: 44.3-DI: 23.6

    Aroon & PSAR

    Aroon Up28.0
    Aroon Down96.0
    PSAR$17.93

    Bollinger Bands

    Upper Band$18.02
    Lower Band$16.30
    %B Position1002%(Upper)
    Band Width0.38

    RSI (14-Day)

    Neutral
    50.3

    Momentum Oscillators

    Stoch %K10.8
    Stoch %D5.5
    Williams %R-68.1
    ROC (10d)1.5%
    Momentum0.24
    CCI (20d)-54.2
    MFI (14d)18.5

    Volatility Measures

    ATR (14d)$0.38(2.2%)
    StdDev (20d)0.43
    Hist Vol43.4%(High)

    Volume Flow

    VWAP$16.94
    OBV175.5K
    AD Line-224327994894.6B
    CMF (20d)0.001

    Volume Metrics

    Avg Vol (20d)2.0K
    Vol Ratio0.0x(Low)
    VWMA (20d)$17.34

    Pivot Points

    R3$16.70
    R2$16.70
    R1$16.70
    Pivot Point$16.70
    S1$16.70
    S2$16.70
    S3$16.70

    Advanced Oscillators

    TSI0.62
    Ultimate Osc42.5
    KST14.82

    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$6.81M$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$17.98M$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$11.41M$3.58M$-8,118,000$1.49M$551,000$4.38M$5.96M$-5,711,000$2.79M$3.06M$3.54M$3.10M
    EBIT$10.79M$2.94M$-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, Inc. Financial Disclosures & SEC Filings

    This page provides access to Pathfinder Bancorp, Inc.'s SEC filings and other financial documents, including Forms 10-K, 10-Q...

    TradingView•10/15/26•Neutral

    Trading the Move, Not the Narrative: (PBHC) Edition

    This article provides an AI-driven analysis for Pathfinder Bancorp Inc. (PBHC), highlighting a mid-channel oscillation pattern and a strong risk-reward short setup. It details three distinct trading strategies—Position...

    Stock Traders Daily•10/9/26•Somewhat-Bullish

    Trading the Move, Not the Narrative: (PBHC) Edition

    This article analyzes Pathfinder Bancorp Inc. (NASDAQ: PBHC) using AI models, identifying a mid-channel oscillation pattern and a strong risk-reward short setup. It outlines specific institutional trading strategies...

    Stock Traders Daily•10/8/26•Somewhat-Bullish

    PBHC6303450 Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the PBHC6303450 bond issued by Pathfinder Bancorp, Inc. It outlines key facts such as the issuer type, issue and maturity dates, face value...

    TradingView•10/3/26•Neutral

    Pathfinder Bancorp To Go Ex-Dividend On October 16th, 2026 With 0.1 USD Dividend Per Share

    Pathfinder Bancorp is scheduled to go ex-dividend on October 16th, 2026. The company will pay a dividend of 0.1 USD per share. This information is important for investors tracking dividend payments.

    Moomoo•9/30/26•Bullish

    PBHC Valuation and Fair Value

    P/E
    74.3x
    Forward P/E
    11.3x
    EV/EBITDA
    28.2x
    P/FCF
    8.2x
    PEG
    0.0x
    P/B
    0.7x
    See GNG's fair value

    PBHC Profitability: Margins, ROIC and FCF

    Gross margin
    43.0%
    Operating margin
    29.4%
    Net margin
    0.4%
    ROIC
    1.6%
    ROE
    0.1%
    FCF margin
    12.9%
    FCF yield
    12.2%

    PBHC Competitors

    CompanyTicker
    Melar Acquisition Corp. I Class A Ordinary SharesMACI
    ChampionsGate Acquisition Corporation Class A Ordinary ShareCHPG
    Patriot National Bancorp IncPNBK
    Spark I Acquisition Corp. Class A Ordinary ShareSPKL
    Quartzsea Acquisition CorporatiQSEA
    Pelican Acquisition Corporation Ordinary SharesPELI
    Sound Financial Bancorp IncSFBC
    SUI Group Holdings LimitedSUIG

    Sector: Financial Services

    PBHC Bull Case vs Bear Case

    Bull case

    • PBHC grew quarterly revenue 47.1% year over year.

    Bear case

    • PBHC trades at 74.3x trailing earnings.

    PBHC Dividend

    Forward yield
    2.4%
    Payout ratio
    58.2%
    3Y DPS growth
    5.6%
    5Y DPS growth
    10.8%
    Pay months
    Feb, May, Aug, Nov
    PBHC dividend history

    Frequently Asked Questions About PBHC

    What is PBHC's current dividend yield?

    Pathfinder Bancorp Inc (PBHC) has a forward dividend yield of 2.36%.

    Does PBHC pay dividends?

    Yes, Pathfinder Bancorp Inc pays dividends with a forward dividend yield of 2.36%.

    What is PBHC's P/E ratio?

    Pathfinder Bancorp Inc has a price-to-earnings (P/E) ratio of 74.30.

    What is PBHC's market cap?

    Pathfinder Bancorp Inc (PBHC) has a market capitalization of $104.85M with a current stock price of $16.95.

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