NASDAQ:PBHC Pathfinder Bancorp (PBHC) Stock Price, News & Analysis $14.97 +0.02 (+0.13%) Closing price 09/3/2025 03:57 PM EasternExtended Trading$14.96 -0.01 (-0.07%) As of 09/3/2025 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Pathfinder Bancorp Stock (NASDAQ:PBHC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Pathfinder Bancorp alerts:Sign Up Key Stats Today's Range$14.95▼$15.0050-Day Range$14.20▼$15.3452-Week Range$13.71▼$19.86Volume5,797 shsAverage Volume3,008 shsMarket Capitalization$71.68 millionP/E Ratio42.77Dividend Yield2.67%Price TargetN/AConsensus RatingN/A Company Overview Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York. Read More Pathfinder Bancorp Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks43rd Percentile Overall ScorePBHC MarketRank™: Pathfinder Bancorp scored higher than 43% of companies evaluated by MarketBeat, and ranked 694th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Pathfinder Bancorp. Earnings and Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Pathfinder Bancorp is 42.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.50.Price to Earnings Ratio vs. SectorThe P/E ratio of Pathfinder Bancorp is 42.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.93.Price to Book Value per Share RatioPathfinder Bancorp has a P/B Ratio of 0.58. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Pathfinder Bancorp's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.17% of the float of Pathfinder Bancorp has been sold short.Short Interest Ratio / Days to CoverPathfinder Bancorp has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Pathfinder Bancorp has recently increased by 2.08%, indicating that investor sentiment is decreasing. Dividend0.8 / 5Dividend StrengthWeak Dividend YieldPathfinder Bancorp pays a meaningful dividend of 2.68%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthPathfinder Bancorp has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of Pathfinder Bancorp is 114.29%. Payout ratios above 75% are not desirable because they may not be sustainable.Read more about Pathfinder Bancorp's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.17% of the float of Pathfinder Bancorp has been sold short.Short Interest Ratio / Days to CoverPathfinder Bancorp has a short interest ratio ("days to cover") of 1.2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Pathfinder Bancorp has recently increased by 2.08%, indicating that investor sentiment is decreasing. News and Social Media2.5 / 5News SentimentN/A News SentimentPathfinder Bancorp has a news sentiment score of 1.49. 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 higher news sentiment than the 1.07 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for Pathfinder Bancorp this week, compared to 1 article on an average week. Company Ownership1.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Pathfinder Bancorp insiders have not sold or bought any company stock.Percentage Held by Insiders22.40% 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 InstitutionsOnly 26.73% of the stock of Pathfinder Bancorp is held by institutions.Read more about Pathfinder Bancorp's insider trading history. Receive PBHC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Pathfinder Bancorp and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. PBHC Stock News HeadlinesPathfinder Bancorp, Inc. Announces Second Quarter 2025 ResultsJuly 30, 2025 | globenewswire.comPathfinder Bancorp, Inc. (PBHC) Cash Flow - Yahoo FinanceJuly 18, 2025 | finance.yahoo.comMusk Warns. Trump Acts. Your Retirement May Depend on ItWith Donald Trump back in the White House, many believe an economic revival could be underway — but it also brings new risks for retirement savers. Traditional 401(k)s and IRAs may leave investors more exposed than they realize. That’s why a Trump-backed IRS strategy is gaining attention. It allows everyday Americans to reposition their retirement savings into real assets like gold and silver — offering both protection and potential upside. A new 2025 Wealth Protection Guide explains exactly how it works. | American Alternative (Ad)Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10July 5, 2025 | finance.yahoo.comPathfinder Bancorp, Inc. Declares $0.10 Cash Dividend for Second Quarter 2025 - NasdaqJuly 2, 2025 | nasdaq.comPathfinder Bancorp, Inc. Declares DividendJune 30, 2025 | globenewswire.comPathfinder Bancorp, Inc. (PBHC) - Yahoo FinanceJune 28, 2025 | finance.yahoo.comPBHC - Pathfinder Bancorp Inc Sustainability - MorningstarJune 26, 2025 | morningstar.comMSee More Headlines 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 14.5% and is now trading at $14.97. How were Pathfinder Bancorp's earnings last quarter? Pathfinder Bancorp, Inc. (NASDAQ:PBHC) released its quarterly earnings results on Wednesday, April, 30th. The savings and loans company reported $0.41 earnings per share 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 shareholders of Pathfinder Bancorp include Fourthstone LLC (1.68%) 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 Earnings4/30/2025Record date for 8/8 Dividend7/18/2025Ex-Dividend for 8/8 Dividend7/18/2025Dividend Payable8/08/2025Today9/03/2025Next Earnings (Estimated)10/28/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry FIN - SVGS & LOAN Sub-IndustryBanking Current SymbolNASDAQ:PBHC CIK1609065 Webwww.pathfinderbank.com Phone(315) 343-0057Fax315-342-9403Employees170Year Founded1859Profitability EPS (Trailing Twelve Months)$0.35 Trailing P/E Ratio42.77 Forward P/E RatioN/A P/E GrowthN/ANet Income$3.38 million Net Margins2.98% Pretax Margin4.19% Return on Equity2.15% Return on Assets0.18% Debt Debt-to-Equity Ratio0.17 Current Ratio0.71 Quick Ratio0.71 Sales & Book Value Annual Sales$46.71 million Price / Sales1.53 Cash Flow$1.05 per share Price / Cash Flow14.26 Book Value$25.98 per share Price / Book0.58Miscellaneous Outstanding Shares4,788,000Free Float3,715,000Market Cap$71.68 million OptionableNot Optionable Beta0.16 Social Links These 7 Stocks Will Be Magnificent in 2025Discover the next wave of investment opportunities with our report, 7 Stocks That Will Be Magnificent in 2025. 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