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Pathfinder Bancorp, Inc. logo

Pathfinder Bancorp, Inc.

PBHC

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

$16.60

+$0.2099 · +1.28%

Aug 24, 4:00 PM ET

After-hours

$16.60

$0.00 · 0.00%

Aug 24, 4:10 PM ET

PBHC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

71

Gaining

Sentiment

65

Bullish

Risk resilience

67

Moderate Risk

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Company profile

Company website

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 accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James A. Dowd
Listed since
Nov 16, 1995
Employees
177

Market position

Day range

Current $16.60

52-week range

Current $16.60

Open
$16.75
Previous close
$16.3901
Volume
7.22K
0.76× average
Average volume
9.56K
Average daily volume
Market cap
103.86M USD
Beta
0.13
Market reference 1
50-day average
$16.1168
+3.00% above average
200-day average
$14.4068
+15.22% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
184.5M USD
P/E (TTM)
-26.24×
P/B (TTM)
0.64×
P/S (TTM)
1.32×
EV / EBITDA
-95.1×
Earnings yield
-3.85%
Free cash flow yield
11.28%
Dividend yield
2.41%

Profitability & efficiency

Gross margin
43.04%
Operating margin
-2.09%
Net margin
-1.70%
Return on equity
-2.82%
Return on assets
-0.24%
Return on invested capital
-0.28%

Financial health

Debt / equity
1.44×
Current ratio
26.41×
Altman Z-score
0.08
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends92%57%21%-14%Gross margin, FY2021: 83.24%Gross margin, FY2022: 77.91%Gross margin, FY2023: 55.90%Gross margin, FY2024: 42.09%Gross margin, FY2025: 38.52%Operating margin, FY2021: 31.37%Operating margin, FY2022: 27.84%Operating margin, FY2023: 16.41%Operating margin, FY2024: 6.18%Operating margin, FY2025: -5.17%Net margin, FY2021: 24.31%Net margin, FY2022: 22.95%Net margin, FY2023: 12.94%Net margin, FY2024: 4.05%Net margin, FY2025: -4.32%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 83.24%. Gross margin FY2022 77.91%. Gross margin FY2023 55.90%. Gross margin FY2024 42.09%. Gross margin FY2025 38.52%. Operating margin FY2021 31.37%. Operating margin FY2022 27.84%. Operating margin FY2023 16.41%. Operating margin FY2024 6.18%. Operating margin FY2025 -5.17%. Net margin FY2021 24.31%. Net margin FY2022 22.95%. Net margin FY2023 12.94%. Net margin FY2024 4.05%. Net margin FY2025 -4.32%.

Income trends

Revenue

79.15M USD-5.19%

Operating income

−4.09M USD−9.25M USD

Net income

−3.42M USD−6.8M USD
Income trends across reported periods92.24M USD57.21M USD22.18M USD−12.85M USDRevenue, FY2021: 51.03M USDRevenue, FY2022: 56.36M USDRevenue, FY2023: 71.82M USDRevenue, FY2024: 83.48M USDRevenue, FY2025: 79.15M USDOperating income, FY2021: 16.01M USDOperating income, FY2022: 15.69M USDOperating income, FY2023: 11.78M USDOperating income, FY2024: 5.16M USDOperating income, FY2025: −4.09M USDNet income, FY2021: 12.41M USDNet income, FY2022: 12.93M USDNet income, FY2023: 9.29M USDNet income, FY2024: 3.38M USDNet income, FY2025: −3.42M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 51.03M USD. Revenue FY2022 56.36M USD. Revenue FY2023 71.82M USD. Revenue FY2024 83.48M USD. Revenue FY2025 79.15M USD. Operating income FY2021 16.01M USD. Operating income FY2022 15.69M USD. Operating income FY2023 11.78M USD. Operating income FY2024 5.16M USD. Operating income FY2025 −4.09M USD. Net income FY2021 12.41M USD. Net income FY2022 12.93M USD. Net income FY2023 9.29M USD. Net income FY2024 3.38M USD. Net income FY2025 −3.42M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue79.15M USD83.48M USD71.82M USD56.36M USD51.03M USD
Cost of goods sold48.66M USD48.34M USD31.67M USD12.45M USD8.55M USD
Gross profit30.49M USD35.14M USD40.15M USD43.91M USD42.48M USD
Selling, general, and administrative19.76M USD19.33M USD17.48M USD17.53M USD16.46M USD
Operating expenses34.58M USD29.98M USD28.36M USD28.22M USD26.47M USD
Interest income76.5M USD77.74M USD67.09M USD50.87M USD45.52M USD
Interest expense32.32M USD37.37M USD28.74M USD9.7M USD7.53M USD
Depreciation and amortization2.15M USD1.34M USD1.34M USD700K USD1.82M USD
Operating income−4.09M USD5.16M USD11.78M USD15.69M USD16.01M USD
Net income−3.42M USD3.38M USD9.29M USD12.93M USD12.41M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
-0.54
FY2025 · -228.57% year over year
Latest fiscal-year revenue
79.15M USD
FY2025 · -5.19% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.41.330.26-0.81FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend86.73M73.75M60.77M47.79MFY21FY22FY23FY24FY25

PBHC news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.40

2025 complete year+48.1% since 2021

2026 partial: $0.30

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jul 17, 2026

$0.10

Quarterly

Record Jul 17, 2026 · Payment Aug 7, 2026

Dividend

Ex-dividend Apr 17, 2026

$0.10

Quarterly

Record Apr 17, 2026 · Payment May 8, 2026

Dividend

Ex-dividend Jan 16, 2026

$0.10

Quarterly

Record Jan 16, 2026 · Payment Feb 6, 2026

Dividend

Ex-dividend Oct 17, 2025

$0.10

Quarterly

Record Oct 17, 2025 · Payment Nov 7, 2025

Dividend

Ex-dividend Jul 18, 2025

$0.10

Quarterly

Record Jul 18, 2025 · Payment Aug 8, 2025

Dividend

Ex-dividend Apr 17, 2025

$0.10

Quarterly

Record Apr 18, 2025 · Payment May 9, 2025

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ETFs holding PBHC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
1.56M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.07-0.31%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
475.04K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.43-0.86%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
193.02K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$196.57-0.79%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
27.75K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.47-0.31%
Dimensional - US Core Equity 1 ETF logoDimensional - US Core Equity 1 ETFDCOR
Market value
12.71K
Weight
0.00%
AUM
3.51B USD
Expense ratio
0.14%
Price / 1D
$84.35-0.22%
Dimensional - US Sustainability Core 1 ETF logoDimensional - US Sustainability Core 1 ETFDFSU
Market value
3.79K
Weight
0.00%
AUM
2.35B USD
Expense ratio
0.15%
Price / 1D
$48.200.00%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
1.65K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.60-0.62%
Dimensional - US Vector Equity ETF logoDimensional - US Vector Equity ETFDXUV
Market value
70.88
Weight
0.00%
AUM
578.74M USD
Expense ratio
0.28%
Price / 1D
$69.60-0.29%

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