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Pathfinder Bancorp Inc.

PBHCNASDAQFinancial Services·US · USD
$16.21
-0.19 (-1.16%)
Close · 2026-06-29

Price

Key statistics

Valuation
Market cap101.42M USD
Enterprise value136.16M USD
Trailing P/E10.94
Forward P/E0.00
PEG ratio-0.53
Price / sales3.42
Price / book0.83
Profitability
Gross margin0.00%
Operating margin27.13%
Profit margin-8.32%
Return on assets-0.17%
Return on equity-2.01%
Income (TTM)
Revenue29.97M USD
Gross profit29.97M USD
EBITDA0.00 USD
Net income-2.44M USD
Diluted EPS-$0.41
Rev. growth (YoY)-4.20%
Balance sheet
Total cash41.55M USD
Total debt75.11M USD
Debt / equity0.61
Current ratio0.00
Book value / share$19.75
Cash flow (TTM)
Operating cash flow5.74M USD
Levered free cash flow-1.47M USD
Shares & price
Shares outstanding6.26M
Float3.56M
Held by institutions33.12%
Beta0.16
50-day MA$14.21
200-day MA$14.22
52-week high$17.40
52-week low$12.06
Dividends
Forward rate
$0.40
Yield
2.47%
Payout ratio
33.33%
Frequency
Quarterly
Recent payments
  • 2026-04-17$0.10
Earnings (EPS)
DateEst.ActualSurprise2026-05-15-0.53-0.61−15.09%2026-01-231.611.87+16.15%2025-11-2014.8314.73−0.67%2025-10-212.102.24+6.67%2023-05-010.43
About Pathfinder Bancorp Inc.

Pathfinder Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Pathfinder Bank. Its main function is to provide a wide range of community banking services, focusing on attracting deposits from the public and channeling these funds into loans secured by commercial and residential real estate, as well as commercial business and consumer lending. The company also invests in mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities from both government-sponsored and private issuers. Pathfinder Bancorp Inc. serves its local markets through a network of over a dozen full-service branch offices, primarily in Oswego and Onondaga counties, with an additional limited-purpose office in Oneida County. The company’s loan portfolio includes municipal loans, home equity loans and lines, and various consumer credit products. By concentrating on diversified lending and prudent investment strategies, Pathfinder Bancorp Inc. plays a significant role in supporting economic activity within its regional markets and contributing to the stability and competitiveness of the banking sector.

Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. James A. Dowd CPA
Employees
172
Headquarters
Oswego, NY, United States

Frequently asked questions about Pathfinder Bancorp Inc.