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NASDAQFinancial ServicesBanks - Regional
Latest quote
$16.96
−$0.54 · -3.09%
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.
Previous close
$16.96
−$0.54 · -3.09%
Regular session · ET · Market data may be delayed.
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.
Day range
Current $16.96
52-week range
Current $16.96
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
70
Undervalued
Sentiment
65
Bullish
Risk
33
Moderate Risk
Momentum
71
Gaining
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $16.96
52-week range
Current $16.96
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 79.15M USD | 83.48M USD | 71.82M USD | 56.36M USD | 51.03M USD |
| Cost of goods sold | 48.66M USD | 48.34M USD | 31.67M USD | 12.45M USD | 8.55M USD |
| Gross profit | 30.49M USD | 35.14M USD | 40.15M USD | 43.91M USD | 42.48M USD |
| Selling, general, and administrative | 19.76M USD | 19.33M USD | 17.48M USD | 17.53M USD | 16.46M USD |
| Operating expenses | 34.58M USD | 29.98M USD | 28.36M USD | 28.22M USD | 26.47M USD |
| Interest income | 76.5M USD | 77.74M USD | 67.09M USD | 50.87M USD | 45.52M USD |
| Interest expense | 32.32M USD | 37.37M USD | 28.74M USD | 9.7M USD | 7.53M USD |
| Depreciation and amortization | 2.4M USD | 1.34M USD | 1.34M USD | 700K USD | 1.82M USD |
| Operating income | −4.09M USD | 5.16M USD | 11.78M USD | 15.69M USD | 16.01M USD |
| Net income | −3.42M USD | 3.38M USD | 9.29M USD | 12.93M USD | 12.41M USD |
Company facts updated Oct 11, 2026.
Recent quarterly results
Recent quarterly results
Cash distributions grouped by calendar year; partial years are marked.
$0.40
2025 complete year+48.1% since 2021
2026 partial: $0.30
$0.27
2,021
$0.34
2,022
$0.36
2,023
$0.39
2,024
$0.40
2,025
$0.30
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Oct 16, 2026 | $0.10Quarterly | Oct 16, 2026 | Nov 6, 2026 |
Dividend | Jul 17, 2026 | $0.10Quarterly | Jul 17, 2026 | Aug 7, 2026 |
Dividend | Apr 17, 2026 | $0.10Quarterly | Apr 17, 2026 | May 8, 2026 |
Dividend | Jan 16, 2026 | $0.10Quarterly | Jan 16, 2026 | Feb 6, 2026 |
Dividend | Oct 17, 2025 | $0.10Quarterly | Oct 17, 2025 | Nov 7, 2025 |
Dividend | Jul 18, 2025 | $0.10Quarterly | Jul 18, 2025 | Aug 8, 2025 |
Ex-dividend Oct 16, 2026
$0.10
Quarterly
Record Oct 16, 2026 · Payment Nov 6, 2026
Ex-dividend Jul 17, 2026
$0.10
Quarterly
Record Jul 17, 2026 · Payment Aug 7, 2026
Ex-dividend Apr 17, 2026
$0.10
Quarterly
Record Apr 17, 2026 · Payment May 8, 2026
Ex-dividend Jan 16, 2026
$0.10
Quarterly
Record Jan 16, 2026 · Payment Feb 6, 2026
Ex-dividend Oct 17, 2025
$0.10
Quarterly
Record Oct 17, 2025 · Payment Nov 7, 2025
Ex-dividend Jul 18, 2025
$0.10
Quarterly
Record Jul 18, 2025 · Payment Aug 8, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI1.53M0.00%2.3T USD0.03%$381.94+0.63%
Vanguard Extended Market ETFVXF467.01K0.00%95.4B USD0.05%$235+0.80%
iShares Micro-Cap ETFIWC184.57K0.01%1.32B USD0.60%$183+0.11%
Dimensional - US Core Equity 2 ETFDFAC163.27K0.00%88.6B USD0.21%$45.33+0.49%
U.S. Core Equity 1 Portfolio ETF Class SharesDCOR81.91K0.00%45.59B USD0.17%$84.44+0.44%
U.S. Vector Equity Portfolio ETF Class SharesDXUV26.27K0.00%6.18B USD0.26%$68.28+0.25%
Dimensional - US Sustainability Core 1 ETFDFSU3.61K0.00%2.39B USD0.15%$48.11+0.48%
U.S. Micro Cap Portfolio ETFDFMC1.69K0.00%7.56B USD0.43%$57.813+0.20%Vanguard Morningstar Total Stock Market ETFVTIVanguard Extended Market ETFVXFiShares Micro-Cap ETFIWCDimensional - US Core Equity 2 ETFDFACU.S. Core Equity 1 Portfolio ETF Class SharesDCORU.S. Vector Equity Portfolio ETF Class SharesDXUVDimensional - US Sustainability Core 1 ETFDFSUU.S. Micro Cap Portfolio ETFDFMCAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
