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Pathfinder Bancorp
(NASDAQ:PBHC)
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Rating:58Neutral
Price Target:
$18.00
â–²(9.09% Upside)
Action:Reiterated
Date:09/29/26
The score is held back primarily by weakened financial performance—loss-making results and higher leverage—despite improving and positive cash flow. Technicals are relatively favorable with the stock trading above key moving averages and positive MACD, while valuation is tempered by a negative P/E but supported by a ~2.3% dividend yield. Recent dividend declarations add modest stability.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$106.74M
Dividend Yield2.39%
Average Volume (3M)1.45K
Price to Earnings (P/E)―
Beta (1Y)<0.01
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. Volume743
30 Day Avg. Volume1,452
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 Cap2.52
Enterprise Value/Revenue3.41
Enterprise Value/Gross Profit7.92
Enterprise Value/Ebitda32.18
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 | 8.36M | -1.69M | 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
16.79
Positive
16.36
Positive
14.85
Positive
Market Momentum
<0.01
Positive
51.87
Neutral
32.33
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 below the 20-day moving average (MA) of 16.88, below the 50-day MA of 16.79, and above the 200-day MA of 14.85, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.87 is Neutral, neither overbought nor oversold. The STOCH value of 32.33 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 | $90.59M | 10.44 | 9.42% | 4.15% | -1.64% | 21.56% | |
75 Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% | |
58 Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
PBHC
Pathfinder Bancorp
17.00
2.37
16.23%
AUBN
Auburn National Bancorporation
26.00
1.57
6.42%
LSBK
Lake Shore Bancorp
18.69
5.19
38.43%
UBCP
United Bancorp
14.16
1.87
15.22%
Pathfinder Bancorp Corporate Events
Dividends
Pathfinder Bancorp Declares Quarterly Cash Dividend for Q3
Positive
Sep 28, 2026
On September 28, 2026, Pathfinder Bancorp, Inc. announced that its board declared a quarterly cash dividend of $0.10 per share on both its voting common and non-voting common stock for the fiscal quarter ending September 30, 2026. The dividend wil...
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...
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.