Get Diamond plan for FREE

    logo

    Pathfinder Bancorp, Inc. (PBHC)

    Price:

    13.36 USD

    ( + 0.06 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    PBHC
    Name
    Pathfinder Bancorp, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    13.360
    Market Cap
    82.640M
    Enterprise value
    184.498M
    Currency
    USD
    Ceo
    James A. Dowd
    Full Time Employees
    172
    Ipo Date
    1995-11-16
    City
    Oswego
    Address
    214 West First Street

    Check the

    KEY TAKEAWAYS

    ASK OUR AI ABOUT THE COMPANY (REGISTER FOR EARLY ACCESS)
    Descriptive alt text

    (REGISTER FOR EARLY ACCESS) CHOOSE A PROMPT ABOVE TO ASK OUR AI ABOUT THE SPECIFIC INFORMATION

    SIMILAR COMPANIES STI SCORE

    Similar STI Score

    Grupo Financiero Galicia S.A.

    VALUE SCORE:

    8

    Symbol
    GGAL
    Market Cap
    10.615T
    Industry
    Banks - Regional
    Sector
    Financial Services

    2nd position

    Peoples Bancorp Inc.

    VALUE SCORE:

    14

    Symbol
    PEBO
    Market Cap
    1.163B
    Industry
    Banks - Regional
    Sector
    Financial Services

    The best

    Bank OZK

    VALUE SCORE:

    14

    Symbol
    OZK
    Market Cap
    5.417B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    -24.604
    P/S
    1.044
    P/B
    0.695
    Debt/Equity
    0.886
    EV/FCF
    19.799
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    2.253
    Earnings yield
    -0.041
    Debt/assets
    0.075
    FUNDAMENTALS
    Net debt/ebidta
    -49.333
    Interest coverage
    -0.127
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.007
    Capex to operating cash flow
    0
    Capex to revenue
    0
    Capex to depreciation
    0
    Return on tangible assets
    -0.002
    Debt to market cap
    1.298
    Piotroski Score
    4.000
    FUNDAMENTALS
    PEG
    0.173
    P/CF
    9.333
    P/FCF
    9.174
    RoA %
    -0.240
    RoIC %
    -0.283
    Gross Profit Margin %
    38.520
    Quick Ratio
    26.407
    Current Ratio
    26.407
    Net Profit Margin %
    -4.317
    Net-Net
    -57.315
    FUNDAMENTALS PER SHARE
    FCF per share
    1.431
    Revenue per share
    12.577
    Net income per share
    -0.543
    Operating cash flow per share
    1.431
    Free cash flow per share
    1.431
    Cash per share
    45.820
    Book value per share
    19.223
    Tangible book value per share
    17.567
    Shareholders equity per share
    19.223
    Interest debt per share
    22.175
    TECHNICAL
    52 weeks high
    17.260
    52 weeks low
    12.060
    Current trading session High
    13.725
    Current trading session Low
    13.360
    DIVIDEND
    Dividend yield
    2.99%
    Payout ratio
    -41.8%
    Years of div. Increase
    5.000
    Years of div.
    30.000
    Q-shift
    2.000
    Dividend per share
    0.400
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.043402255%
    Payout Ratio
    38.993797%
    P/E
    11.983
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0%
    P/E
    -335.797
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Conglomerates
    Dividend yield
    0%
    Payout Ratio
    87.01673%
    P/E
    29.761
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0.3507825%
    P/E
    20.644
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.014440433%
    Payout Ratio
    24.941996%
    P/E
    17.370
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.01732991%
    Payout Ratio
    18.970972%
    P/E
    15.943
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.017582418%
    Payout Ratio
    16.241214%
    P/E
    10.491
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.034739453%
    Payout Ratio
    55.848485000000004%
    P/E
    15.784
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.06333907%
    Payout Ratio
    56.162435%
    P/E
    10.894
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0%
    Payout Ratio
    0%
    P/E
    82.413
    DESCRIPTION

    Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; 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. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

    NEWS
    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-financial-results-for-fourth-quarter-20260129.jpg
    Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2025

    globenewswire.com

    2026-01-29 16:18:00

    Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve build Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve build

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-nasdaqpbhc-versus-first-savings-financial-group-nasdaqfsfg-20260111.jpg
    Pathfinder Bancorp (NASDAQ:PBHC) versus First Savings Financial Group (NASDAQ:FSFG) Critical Review

    defenseworld.net

    2026-01-11 01:40:49

    Pathfinder Bancorp (NASDAQ: PBHC - Get Free Report) and First Savings Financial Group (NASDAQ: FSFG - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, institutional ownership, dividends, valuation and risk. Institutional and Insider Ownership 26.7%

    https://images.financialmodelingprep.com/news/reviewing-lifestore-financial-group-otcmktslsfg-pathfinder-bancorp-nasdaqpbhc-20251228.png
    Reviewing LifeStore Financial Group (OTCMKTS:LSFG) & Pathfinder Bancorp (NASDAQ:PBHC)

    defenseworld.net

    2025-12-28 02:50:52

    LifeStore Financial Group (OTCMKTS:LSFG - Get Free Report) and Pathfinder Bancorp (NASDAQ: PBHC - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, risk, dividends, earnings and valuation. Analyst Ratings This is a summary of

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20251222.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2025-12-22 16:05:00

    OSWEGO, N.Y., Dec. 22, 2025 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2025. The fourth quarter 2025 dividend will be payable to all shareholders of record on January 16, 2026 and will be paid on February 6, 2026.

    https://images.financialmodelingprep.com/news/analyzing-pathfinder-bancorp-nasdaqpbhc-and-oceanfirst-financial-nasdaqocfc-20251220.jpg
    Analyzing Pathfinder Bancorp (NASDAQ:PBHC) and OceanFirst Financial (NASDAQ:OCFC)

    defenseworld.net

    2025-12-20 03:30:48

    Pathfinder Bancorp (NASDAQ: PBHC - Get Free Report) and OceanFirst Financial (NASDAQ: OCFC - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, institutional ownership, earnings, dividends, profitability and risk. Insider and Institutional Ownership 26.7% of Pathfinder

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-nasdaqpbhc-stock-price-crosses-below-200day-moving-20251219.jpg
    Pathfinder Bancorp (NASDAQ:PBHC) Stock Price Crosses Below 200-Day Moving Average – Here’s Why

    defenseworld.net

    2025-12-19 04:56:59

    Pathfinder Bancorp, Inc. (NASDAQ: PBHC - Get Free Report)'s share price passed below its 200-day moving average during trading on Thursday. The stock has a 200-day moving average of $14.90 and traded as low as $13.86. Pathfinder Bancorp shares last traded at $14.40, with a volume of 3,380 shares changing hands. Analysts Set New Price

    https://images.financialmodelingprep.com/news/comparing-ffw-otcmktsffwc-pathfinder-bancorp-nasdaqpbhc-20251106.png
    Comparing FFW (OTCMKTS:FFWC) & Pathfinder Bancorp (NASDAQ:PBHC)

    defenseworld.net

    2025-11-06 03:35:03

    FFW (OTCMKTS:FFWC - Get Free Report) and Pathfinder Bancorp (NASDAQ: PBHC - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, earnings, analyst recommendations, profitability and risk. Institutional and Insider Ownership 26.7% of Pathfinder Bancorp

    https://images.financialmodelingprep.com/news/critical-analysis-pathfinder-bancorp-nasdaqpbhc-vs-tfs-financial-nasdaqtfsl-20251026.jpg
    Critical Analysis: Pathfinder Bancorp (NASDAQ:PBHC) vs. TFS Financial (NASDAQ:TFSL)

    defenseworld.net

    2025-10-26 02:36:23

    Pathfinder Bancorp (NASDAQ: PBHC - Get Free Report) and TFS Financial (NASDAQ: TFSL - Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their earnings, risk, valuation, profitability, institutional ownership, dividends and analyst recommendations. Analyst Ratings This is a summary of recent

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-second-quarter-2025-results-20250730.jpg
    Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results

    globenewswire.com

    2025-07-30 16:24:00

    Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company's ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as operating expense discipline, commercial loan growth and an improved core deposit ratio Results reflect July 2025 sale of $9.3 million in nonperforming and classified loans, undertaken as part of the Company's ongoing efforts to mitigate credit risk and enhance asset quality metrics for the long term, as well as operating expense discipline, commercial loan growth and an improved core deposit ratio

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20250630.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2025-06-30 16:05:00

    OSWEGO, N.Y., June 30, 2025 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending June 30, 2025. The second quarter 2025 dividend will be payable to all shareholders of record on July 18, 2025 and will be paid on August 8, 2025.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-financial-results-for-first-quarter-20250430.jpg
    Pathfinder Bancorp, Inc. Announces Financial Results for First Quarter 2025

    globenewswire.com

    2025-04-30 16:05:00

    Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans Pathfinder Bank's parent company earned $0.41 per diluted share on improving operating efficiency and growth in net interest income, net interest margin, core deposits and commercial loans

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-financial-results-forfourth-quarter-and-full-20250131.jpg
    Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024

    globenewswire.com

    2025-01-31 16:17:00

    Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from new and established Pathfinder Bank teams across Central New York

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20241223.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-12-23 16:15:00

    OSWEGO, N.Y., Dec. 23, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending December 31, 2024. The fourth quarter 2024 dividend will be payable to all shareholders of record on January 17, 2025 and will be paid on February 7, 2025.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240930.jpeg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-09-30 16:05:00

    OSWEGO, N.Y., Sept. 30, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of $0.10 per share on the Company's voting common and non-voting common stock, and a cash dividend of $0.10 per notional share for the issued warrant relating to the fiscal quarter ending September 30, 2024. The third quarter 2024 dividend will be payable to all shareholders of record on October 18, 2024 and will be paid on November 8, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-retirement-of-evp-chief-banking-20240926.jpg
    Pathfinder Bancorp, Inc. Announces Retirement of EVP, Chief Banking Officer Ronald Tascarella, Serbun Named SVP, Chief Credit Officer

    globenewswire.com

    2024-09-26 16:05:00

    OSWEGO, N.Y., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30, 2024. Joseph Serbun has been appointed as Senior Vice President, Chief Credit Officer effective immediately.

    https://images.financialmodelingprep.com/news/pathfinder-bank-acquisition-of-berkshire-bank-branch-complete-20240722.jpg
    Pathfinder Bank Acquisition of Berkshire Bank Branch Complete

    globenewswire.com

    2024-07-22 09:31:00

    OSWEGO, N.Y., July 22, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Pathfinder”), announced today that Pathfinder has completed the previously announced purchase and assumption of the East Syracuse, New York branch of Berkshire Bank, the banking subsidiary of Berkshire Hills Bancorp, Inc. In connection with the purchase, Pathfinder assumed approximately $186 million in deposit liabilities and acquired approximately $30 million in loans.