Customize Consent Preferences

We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.

The cookies that are categorized as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site. ... 

Always Active

Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.

Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

No cookies to display.

Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.

    Get Diamond plan for FREE

    logo

    Pathfinder Bancorp, Inc. (PBHC)

    Price:

    14.70 USD

    ( + 0.08 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    PBHC
    Name
    Pathfinder Bancorp, Inc.
    Industry
    Banks - Regional
    Sector
    Financial Services
    Price
    14.700
    Market Cap
    89.992M
    Enterprise value
    211.584M
    Currency
    USD
    Ceo
    James A. Dowd CPA, CPA
    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

    First Citizens BancShares, Inc.

    VALUE SCORE:

    8

    Symbol
    FCNCP
    Market Cap
    25.396B
    Industry
    Banks - Regional
    Sector
    Financial Services

    2nd position

    Preferred Bank

    VALUE SCORE:

    14

    Symbol
    PFBC
    Market Cap
    1.269B
    Industry
    Banks - Regional
    Sector
    Financial Services

    The best

    Bank OZK

    VALUE SCORE:

    15

    Symbol
    OZK
    Market Cap
    5.923B
    Industry
    Banks - Regional
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    -94.922
    P/S
    1.319
    P/B
    0.562
    Debt/Equity
    1.162
    EV/FCF
    30.613
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    3.437
    Earnings yield
    -0.011
    Debt/assets
    0.104
    FUNDAMENTALS
    Net debt/ebidta
    28.564
    Interest coverage
    -0.002
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.008
    Capex to operating cash flow
    0.533
    Capex to revenue
    0.128
    Capex to depreciation
    5.316
    Return on tangible assets
    -0.001
    Debt to market cap
    1.606
    Piotroski Score
    3.000
    FUNDAMENTALS
    PEG
    2.195
    P/CF
    4.265
    P/FCF
    11.745
    RoA %
    -0.053
    RoIC %
    0.128
    Gross Profit Margin %
    21.752
    Quick Ratio
    0
    Current Ratio
    0
    Net Profit Margin %
    -1.080
    Net-Net
    -200.644
    FUNDAMENTALS PER SHARE
    FCF per share
    1.610
    Revenue per share
    14.340
    Net income per share
    -0.155
    Operating cash flow per share
    3.447
    Free cash flow per share
    1.610
    Cash per share
    89.481
    Book value per share
    0.984
    Tangible book value per share
    -1.271
    Shareholders equity per share
    26.143
    Interest debt per share
    34.289
    TECHNICAL
    52 weeks high
    19.860
    52 weeks low
    13.710
    Current trading session High
    14.845
    Current trading session Low
    14.675
    DIVIDEND
    Dividend yield
    2.72%
    Payout ratio
    -331%
    Years of div. Increase
    5.000
    Years of div.
    29.000
    Q-shift
    2.000
    Dividend per share
    0.400
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.039179105%
    Payout Ratio
    41.51671%
    P/E
    10.548
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.027424827%
    Payout Ratio
    24.978362%
    P/E
    17.177
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.016590388%
    Payout Ratio
    16.168950000000002%
    P/E
    11.141
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.03003003%
    Payout Ratio
    0%
    P/E
    17.367
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.013422819%
    Payout Ratio
    32.879242%
    P/E
    24.580
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.029513344%
    Payout Ratio
    30.190343%
    P/E
    9.923
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.03235955%
    Payout Ratio
    27.687538%
    P/E
    8.510
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.036363635%
    Payout Ratio
    0%
    P/E
    11.461
    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-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.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240701.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-07-01 16:05:00

    OSWEGO, N.Y., July 01, 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 June 30, 2024. The second quarter 2024 dividend will be payable to all shareholders of record on July 19, 2024 and will be paid on August 9, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-receipt-of-regulatory-approvals-for-20240613.jpg
    Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch

    globenewswire.com

    2024-06-13 12:00:00

    OSWEGO, N.Y., June 13, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder” or “Company”) (NASDAQ: PBHC), announced that its banking subsidiary, Pathfinder Bank (“Bank”), has received the required regulatory agency approvals from both the New York State Department of Financial Services and the Federal Deposit Insurance Corporation to complete its pending acquisition of the East Syracuse, New York branch of Berkshire Bank, Pittsfield, MA located on 6611 Manlius Center Road.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-the-retirement-of-chief-financial-20240508.jpg
    Pathfinder Bancorp, Inc. Announces the Retirement of Chief Financial Officer and Names Successor

    globenewswire.com

    2024-05-08 16:05:00

    OSWEGO, N.Y., May 08, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that Walter F. Rusnak, CPA, 70, Senior Vice President and Chief Financial Officer, will retire from the role after a career spanning more than forty years in finance effective June 28, 2024. Justin K. Bigham, CPA, 50, has been named to succeed Rusnak as Senior Vice President, Chief Financial Officer. Rusnak will remain with the company in an advisory capacity to ensure a smooth transition and to continue to oversee the Bank's investment securities portfolio and overall balance sheet management.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-first-quarter-2024-net-income-20240429.jpg
    Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million

    globenewswire.com

    2024-04-29 16:05:00

    Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges

    https://images.financialmodelingprep.com/news/stonegate-capital-partners-updates-coverage-on-pathfinder-bancorp-inc-20240416.jpg
    Stonegate Capital Partners Updates Coverage on Pathfinder Bancorp, Inc. (PBHC) Q4 2023

    newsfilecorp.com

    2024-04-16 16:24:00

    Dallas, Texas--(Newsfile Corp. - April 16, 2024) - Pathfinder Bancorp, Inc. (NASDAQ: PBHC): Stonegate Capital Partners updates coverage on Pathfinder Bancorp, Inc. (NASDAQ: PBHC). To view the full announcement, including downloadable images, bios, and more, click here.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-declares-dividend-20240401.jpg
    Pathfinder Bancorp, Inc. Declares Dividend

    globenewswire.com

    2024-04-01 16:10:00

    OSWEGO, N.Y., April 01, 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 stock 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 March 31, 2024.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-announces-agreement-to-acquire-east-syracuse-branch-20240304.jpg
    Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch

    globenewswire.com

    2024-03-04 17:00:00

    OSWEGO, N.Y., March 04, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) has announced the signing of a branch purchase and assumption agreement pursuant to which Pathfinder Bank will acquire the East Syracuse, New York branch of Berkshire Bank, located on 6611 Manlius Center Road.

    https://images.financialmodelingprep.com/news/pathfinder-bancorp-inc-announces-fourth-quarter-2023-net-income-20240201.jpg
    Pathfinder Bancorp, Inc. Announces Fourth Quarter 2023 Net Income of $2.5 Million and Full Year Net Income of $9.3 Million

    globenewswire.com

    2024-02-01 16:05:00

    Highlights Include Effective Expense Management and Resilient Operational Performance Highlights Include Effective Expense Management and Resilient Operational Performance