Pathfinder Bancorp (PBHC) Stock Price, News & Analysis

Company Overview

Pathfinder Bancorp, Inc. is a bank holding company headquartered in northeastern Pennsylvania that operates primarily through its subsidiary, Pathfinder Bank. The company offers a broad range of commercial and consumer banking solutions, including checking and savings accounts, time deposits, certificates of deposit, and retirement accounts. Through its branch network, Pathfinder Bancorp serves individuals, small businesses, and community organizations across its local market.

In addition to traditional deposit products, Pathfinder Bancorp provides a variety of lending services such as commercial real estate loans, construction and land development financing, agricultural credits, equipment loans, and consumer installment loans. The company also offers residential mortgage lending, home equity lines of credit, and specialized lending programs designed to meet the needs of first-time homebuyers and small business entrepreneurs.

Committed to community banking principles, Pathfinder Bancorp integrates its banking services with digital platforms, including online and mobile banking, electronic bill payment, and remote deposit capture. The company emphasizes personalized service, local decision-making, and community reinvestment. Pathfinder Bancorp’s leadership team comprises experienced banking professionals dedicated to fostering customer relationships and supporting regional economic development.

Key Stats

• Today's Range: $14.98 to $15.13
• 50-Day Range: $14.20 to $15.33
• 52-Week Range: $13.71 to $19.86
• Volume: 1,719 shs
• Average Volume: 5,030 shs
• Market Capitalization: $72.54 million
• P/E Ratio: 43.27
• Dividend Yield: 2.64%
• Price Target: N/A
• Consensus Rating: N/A

Pathfinder Bancorp Stock Analysis - MarketRank™

Pathfinder Bancorp scored higher than 43% of companies evaluated by MarketBeat, and ranked 761st out of 958 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Pathfinder Bancorp.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pathfinder Bancorp is 43.27, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.30.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathfinder Bancorp is 43.27, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.64.

Price to Book Value per Share Ratio

Pathfinder Bancorp has a P/B Ratio of 0.59. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.16% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 4.08%, indicating that investor sentiment is improving.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Pathfinder Bancorp pays a meaningful dividend of 2.67%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pathfinder Bancorp has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Pathfinder Bancorp is 114.29%. Payout ratios above 75% are not desirable because they may not be sustainable.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.16% of the float of Pathfinder Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Pathfinder Bancorp has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pathfinder Bancorp has recently decreased by 4.08%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.95

News Sentiment

Pathfinder Bancorp has a news sentiment score of 0.95. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.08 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Pathfinder Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pathfinder Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

22.40% of the stock of Pathfinder Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 26.73% of the stock of Pathfinder Bancorp is held by institutions.

PBHC Stock Analysis - Frequently Asked Questions

How have PBHC shares performed this year?

Pathfinder Bancorp's stock was trading at $17.50 on January 1st, 2025. Since then, PBHC stock has decreased by 13.5% and is now trading at $15.1450.

How were Pathfinder Bancorp's earnings last quarter?

Pathfinder Bancorp, Inc. (NASDAQ:PBHC) announced its quarterly earnings results on Wednesday, April, 30th. The savings and loans company reported $0.41 earnings per share (EPS) for the quarter. The savings and loans company earned $12.61 million during the quarter. Pathfinder Bancorp had a trailing twelve-month return on equity of 2.15% and a net margin of 2.98%.

Who are Pathfinder Bancorp's major shareholders?

Top institutional investors of Pathfinder Bancorp include Fourthstone LLC (1.68%), Osaic Holdings Inc. (0.71%) and Raymond James Financial Inc. (0.07%). Insiders that own company stock include Ronald Tascarella, Walter Rusnak, James A Dowd, Daniel R Phillips, William D O'brien, Robert G Jr Butkowski, George P Joyce, David A Ayoub, Eric Allyn, Meghan Crawford-Hamlin and Calvin Corriders.
View institutional ownership trends.

How do I buy shares of Pathfinder Bancorp?

Shares of PBHC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pathfinder Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pathfinder Bancorp investors own include NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), Arista Networks (ANET), Jabil (JBL), e.l.f. Beauty (ELF) and Novo Nordisk A/S (NVO).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 8/8 Dividend: 7/18/2025
• Ex-Dividend for 8/8 Dividend: 7/18/2025
• Dividend Payable: 8/08/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PBHC
• CIK: 1609065
• Web: www.pathfinderbank.com
• Phone: (315) 343-0057
• Fax: 315-342-9403
• Employees: 170
• Year Founded: 1859

Profitability

• EPS (Trailing Twelve Months): $0.35
• Trailing P/E Ratio: 43.59
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.38 million
• Net Margins: 2.98%
• Pretax Margin: 4.19%
• Return on Equity: 2.15%
• Return on Assets: 0.18%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 0.71
• Quick Ratio: 0.71

Sales & Book Value

• Annual Sales: $87.92 million
• Price / Sales: 0.83
• Cash Flow: $1.07 per share
• Price / Cash Flow: 14.32
• Book Value: $25.74 per share
• Price / Book: 0.59

Miscellaneous

• Outstanding Shares: 4,790,000
• Free Float: 3,715,000
• Market Cap: $73.07 million
• Optionable: Not Optionable
• Beta: 0.16