Pathfinder Bancorp (PBHC) AI Stock Analysis

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Pathfinder Bancorp

(NASDAQ:PBHC)

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Rating:55Neutral

Price Target:$18.00▲(5.88% Upside)

Action:reiterated

Date:09/29/26

The score is primarily influenced by mixed financial results marked by recent profitability challenges, balanced by favorable technical momentum and steady dividend payouts.

Positive Factors

Positive Cash GenerationPositive 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 OperationsNegative 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.

Pathfinder Bancorp (PBHC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $106.74M
Dividend Yield: 2.39%
Average Volume (3M): 3,691
Price to Earnings (P/E): -26.9
Beta (1Y): 0.00
Revenue Growth: -7.07%
EPS Growth: -307.72%
Country: US
Employees: 177
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 acc...

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 secu...

Pathfinder Bancorp Financial Statement Overview

Summary

Weak income statement with recent losses offset by stable balance sheet and positive cash flows.

Income Statement

35Negative

Balance Sheet

55Neutral

Cash Flow

65Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price17.00

Price Trends

50DMA16.79Positive

100DMA16.36Positive

200DMA14.85Positive

Market Momentum

MACD0.00Positive

RSI51.87Neutral

STOCH32.33Neutral

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 17.00 is above the 20-day moving average (MA) of 16.88, above the 50-day MA of 16.79, and above the 200-day MA of 14.85, indicating a bullish trend. The MACD of 0.00 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PBHC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77Outperform	$90.59M	10.44	9.42%	4.15%	-1.64%	21.56%
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
UBCP	69Neutral	$81.21M	9.97	11.53%	6.71%	6.21%	8.32%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	55Neutral	$106.74M	-26.87	-1.08%	2.39%	-7.07%	-307.72%

* Financial Sector Average

Performance Comparison

PBHC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PBHC	Pathfinder	17.00	2.32	15.77%
AUBN	Auburn National Bancorporation	26.00	1.56	6.40%
LSBK	Lake Shore Bancorp	18.69	4.83	34.80%
UBCP	United Bancorp	14.16	1.86	15.09%

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 will b...

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 August...

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.

Date of analysis: Sep 28, 2026

Pathfinder Bancorp AI Stock Analysis

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