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Pathfinder Bancorp (PBHC) Stock Price & Analysis

40 Followers

PBHC Stock Chart & Stats

$16.75-$0.30(0.24%)
At close: 4:00 PM EST
$16$17$18Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 10
Day’s Range
$16.75 - $17.00
52-Week Range
$12.06 - $18.30
Previous Close
$16.71
Volume
N/A
Average Volume (3M)
1,973
Market Cap
$105.17M
Enterprise Value
$293.21M
Total Cash (Recent Filing)
$377.55M
Total Debt (Recent Filing)
$180.99M
Price to Earnings (P/E)
―
Beta
-0.02
Next Earnings
Feb 04, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Oct 16, 2026
Dividend Yield
2.43%

Bulls Say, Bears Say

Bulls Say

Positive Cash Generation

Positive operating and free cash flow provide internal funding for banking operations and capital needs. The strong year-over-year free cash flow improvement and cash flow exceeding net income offer resilience while profitability is under pressure, although coverage remains important to monitor.

Top-Line Rebound

The sharp TTM revenue increase and improved gross margin indicate that business activity has recovered from the prior period. If sustained, stronger revenue conversion could rebuild earnings power and improve operating leverage, giving the community bank a foundation for medium-term recovery.

Regular Dividend Policy

Maintaining a quarterly dividend demonstrates an established capital-return practice and provides shareholders with recurring income. Continued declarations can support investor confidence and reflect management's willingness to preserve shareholder distributions while operating within its regional banking footprint.

Bears Say

Current Loss-Making Operations

Negative net, EBIT, and EBITDA margins show that the recent revenue rebound has not yet translated into operating profitability. Continued losses could weaken retained capital and limit the bank's ability to fund growth or sustain shareholder returns without a durable earnings recovery.

Rising Leverage

The material increase in debt-to-equity raises balance-sheet risk and reduces financial flexibility if earnings remain weak. Negative TTM return on equity also indicates that the enlarged capital base is not currently generating adequate returns, making leverage recovery dependent on improved profitability.

Weak Cash Flow Coverage

Although cash generation is positive, the low operating cash flow coverage ratio indicates that cash production remains modest relative to broader obligations. This limits the protection provided by free cash flow and could constrain capital allocation if operating conditions or earnings do not improve.

Pathfinder Bancorp News

PBHC FAQ

What was Pathfinder Bancorp’s price range in the past 12 months?
Pathfinder Bancorp lowest stock price was $12.06 and its highest was $18.30 in the past 12 months.
What is Pathfinder Bancorp’s market cap?
Pathfinder Bancorp’s market cap is $105.17M.
When is Pathfinder Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Pathfinder Bancorp’s earnings last quarter?
Pathfinder Bancorp released its earnings results on Nov 02, 2026. The company reported $0.325 earnings per share for the quarter.
Is Pathfinder Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Pathfinder Bancorp pay dividends?
Pathfinder Bancorp pays a quarterly dividend of $0.1 which represents an annual dividend yield of 2.43%. See more information on Pathfinder Bancorp dividends here
What is Pathfinder Bancorp’s EPS estimate?
Pathfinder Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pathfinder Bancorp have?
Pathfinder Bancorp has 4,898,360 shares outstanding.
What happened to Pathfinder Bancorp’s price movement after its last earnings report?
Pathfinder Bancorp reported an EPS of $0.325 in its last earnings report. Following the earnings report the stock price went down -0.265%.
Which hedge fund is a major shareholder of Pathfinder Bancorp?
Hedge funds hold Pathfinder Bancorp shares: the largest hedge-fund position in Pathfinder Bancorp is 71,886,167 shares, and hedge funds increased their holdings by 2.3K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology