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Pathfinder Bancorp
(NASDAQ:PBHC)
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Rating:56Neutral
Price Target:
$17.00
â–²(3.03% Upside)
Action:Reiterated
Date:08/18/26
The score is held back mainly by weakened financial performance—loss-making profitability and higher leverage—despite improving and positive cash generation. Technicals are supportive with the stock trading above major moving averages and positive MACD, while valuation remains constrained by the negative P/E (partly offset by a ~2.46% dividend yield). Recent corporate events are mildly positive, centered on dividend continuity and stable governance.
Positive Factors
Revenue Rebound
TTM revenue growth of 210.5% indicates a substantial top-line rebound and can improve operating leverage if sustained. However, the benefit will depend on converting this expansion into positive margins, so it is a growth foundation rather than proof of restored earnings.
Negative Factors
Loss-Making Profitability
Negative net, EBIT and EBITDA margins show that the revenue rebound has not yet translated into sustainable profitability. This weakens retained-capital generation and leaves results more exposed to credit costs, funding expenses and operating-cost pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Rebound
TTM revenue growth of 210.5% indicates a substantial top-line rebound and can improve operating leverage if sustained. However, the benefit will depend on converting this expansion into positive margins, so it is a growth foundation rather than proof of restored earnings.
Read all positive factors
Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.31M
Dividend Yield2.39%
Average Volume (3M)5.72K
Price to Earnings (P/E)―
Beta (1Y)0.08
Revenue Growth-7.07%
EPS Growth-307.72%
CountryUS
Employees177
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.63
Shares Outstanding4,898,360
10 Day Avg. Volume8,138
30 Day Avg. Volume5,721
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.73
Price to Sales (P/S)1.12
P/FCF Ratio8.87
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Pathfinder Bancorp Business Overview & Revenue Model
Company Description
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various ...
How the Company Makes Money
Pathfinder Bancorp makes money primarily through its banking subsidiary by earning interest and fees from financial products and services. The core earnings driver is net interest income: the bank collects interest income on loans and investment s...
Pathfinder Bancorp Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
46
Neutral
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 78.97M | 79.15M | 83.48M | 71.82M | 56.36M | 51.03M |
| Gross Profit | 33.99M | 30.49M | 35.14M | 40.15M | 43.91M | 42.48M |
| EBITDA | 7.65M | -1.94M | 6.50M | 13.12M | 16.39M | 17.83M |
| Net Income | -1.34M | -3.42M | 3.38M | 9.29M | 12.93M | 12.41M |
Balance Sheet | ||||||
| Total Assets | 1.49B | 1.43B | 1.47B | 1.47B | 1.40B | 1.29B |
| Cash, Cash Equivalents and Short-Term Investments | 377.55M | 288.34M | 300.90M | 307.45M | 227.01M | 227.75M |
| Total Debt | 180.99M | 107.23M | 136.51M | 211.60M | 152.57M | 109.70M |
| Total Liabilities | 1.37B | 1.30B | 1.35B | 1.35B | 1.29B | 1.17B |
| Stockholders Equity | 125.74M | 120.97M | 121.48M | 119.50M | 111.00M | 110.29M |
Cash Flow | ||||||
| Free Cash Flow | 12.41M | 10.02M | 2.88M | 13.47M | 16.52M | 18.94M |
| Operating Cash Flow | 11.82M | 11.28M | 11.21M | 15.43M | 21.73M | 20.15M |
| Investing Cash Flow | -4.92M | 40.85M | -22.40M | -54.79M | -131.16M | -69.95M |
| Financing Cash Flow | -12.33M | -52.52M | -5.97M | 52.81M | 107.56M | 43.48M |
Pathfinder Bancorp Technical Analysis
Positive
16.50
Price Trends
16.14
Positive
15.16
Positive
14.34
Positive
Market Momentum
>-0.01
Negative
61.00
Neutral
60.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBHC, the sentiment is Positive. The current price of 16.5 is above the 20-day moving average (MA) of 16.21, above the 50-day MA of 16.14, and above the 200-day MA of 14.34, indicating a bullish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 61.00 is Neutral, neither overbought nor oversold. The STOCH value of 60.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBHC.
Pathfinder Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $92.51M | 11.07 | 9.10% | 4.05% | 4.58% | 26.05% | |
76 Outperform | $141.37M | 16.60 | 5.91% | 1.94% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $90.39M | 11.13 | 11.53% | 6.01% | 6.21% | 8.32% | |
56 Neutral | $102.31M | -26.41 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
PBHC
Pathfinder Bancorp
16.71
2.16
14.85%
AUBN
Auburn National Bancorporation
26.68
2.00
8.08%
LSBK
Lake Shore Bancorp
18.59
5.87
46.16%
UBCP
United Bancorp
15.81
2.09
15.26%
Pathfinder Bancorp Corporate Events
Business Operations and StrategyDividends
Pathfinder Bancorp Declares Quarterly Cash Dividend Payment
Positive
Jun 29, 2026
On June 29, 2026, Pathfinder Bancorp, Inc. announced that its board declared a quarterly cash dividend of $0.10 per share on both its voting and non-voting common stock for the fiscal quarter ending June 30, 2026. The dividend will be paid on Augu...
Executive/Board ChangesShareholder Meetings
Pathfinder Bancorp Shareholders Reelect Directors and Ratify Auditor
Positive
Jun 4, 2026
At Pathfinder Bancorp’s 2026 Annual Meeting of Shareholders, held on June 4, 2026, investors elected four directors—David Ayoub, William Barclay, James Dowd, and John Sharkey—to new three-year terms, with each candidate receiving...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.