PBHC
Pathfinder Bancorp, Inc.
Price Chart
Latest Quote
$16.20
-0.67 (-3.97%)
Current Price
| Previous Close | $16.87 |
| Open | $16.39 |
| Day High | $16.40 |
| Day Low | $15.91 |
| Volume | 10,916 |
Stock Information
| Quarterly Dividend / Yield | $0.40 / 2.48% |
| Shares Outstanding | 4.88M |
| Quarterly Dividend Yield | 2.48% |
| Quarterly Dividend | $0.40 |
| Total Debt | $75.11M |
| Cash Equivalents | $39.16M |
| Revenue | $29.97M |
| Net Income | $-2.46M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $101.36M |
| EPS (TTM) | $-0.41 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $137.30M |
| Sales | $29.97M |
| Income | $-2.46M |
| Book/sh | $19.75 |
| Cash/sh | $8.03 |
Financial Ratios
| EPS Growth TTM | -18.90% |
Returns & Margins
| ROA | -0.17% |
| ROE | -2.01% |
| Operating Margin | 27.12% |
| Profit Margin | -8.32% |
Ownership
| Insider Ownership | 22.99% |
| Institutional Ownership | 33.12% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.38 |
| P/B | 0.82 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $14.60 |
| SMA50 | $13.99 |
| SMA200 | $14.05 |
| RSI | 74.58 |
| ATR | 0.8343 |
| Shares Float | 3.56M |
| Short Float | 0.18% |
| Short Ratio | 1.30 |
| Volatility | 0.16 |
| Rel Volume | 0.97 |
Performance History
| Week | +4.85% |
| Month | +19.56% |
| Quarter | +26.03% |
| 6 Months | +13.19% |
| YTD | +16.39% |
| Year | +12.36% |
| 3 Years | +33.48% |
| 5 Years | +16.10% |
| 10 Years | +71.47% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $16.20 | 10,916 |
| 2026-06-18 | $16.87 | 29,100 |
| 2026-06-17 | $15.84 | 4,000 |
| 2026-06-16 | $15.65 | 9,800 |
| 2026-06-15 | $15.22 | 8,700 |
| 2026-06-12 | $15.45 | 10,000 |
| 2026-06-11 | $14.85 | 32,900 |
| 2026-06-10 | $15.03 | 7,600 |
| 2026-06-09 | $15.03 | 22,900 |
| 2026-06-08 | $14.15 | 15,700 |
| 2026-06-05 | $13.87 | 3,400 |
| 2026-06-04 | $14.10 | 3,700 |
| 2026-06-03 | $13.65 | 4,600 |
| 2026-06-02 | $13.52 | 5,200 |
| 2026-06-01 | $13.57 | 1,800 |
| 2026-05-29 | $13.70 | 4,100 |
| 2026-05-28 | $13.61 | 4,500 |
| 2026-05-27 | $13.70 | 38,700 |
| 2026-05-26 | $14.00 | 5,200 |
About Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. 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 loans, 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. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
đ° Latest News
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.10
Simply Wall St. âĸ 2025-10-03T10:36:26Z
Investors in Pathfinder Bancorp (NASDAQ:PBHC) have seen respectable returns of 72% over the past five years
Simply Wall St. âĸ 2025-09-24T13:06:08Z
Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10
Simply Wall St. âĸ 2025-07-05T12:14:47Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $46,982,000 | $46,113,000 | $43,076,000 | $46,661,000 |
| Operating Revenue | $46,982,000 | $46,113,000 | $43,076,000 | $46,661,000 |
| Expenses | ||||
| Interest Expense | $32,318,000 | $37,368,000 | $28,744,000 | $9,695,000 |
| Selling And Marketing Expense | $459,000 | $604,000 | $671,000 | $905,000 |
| General And Administrative Expense | $19,508,000 | $18,726,000 | $16,805,000 | $16,628,000 |
| Professional Expense And Contract Services Expense | $3,225,000 | $4,225,000 | $2,754,000 | $2,216,000 |
| Other Non Interest Expense | $5,449,000 | $5,170,000 | $4,569,000 | $4,839,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-1,933,000 | $3,383,000 | $9,293,000 | $12,932,000 |
| Net Interest Income | $44,094,000 | $40,369,000 | $38,346,000 | $41,174,000 |
| Interest Income | $76,412,000 | $77,737,000 | $67,090,000 | $50,869,000 |
| Normalized Income | $-1,812,920 | $507,884 | $9,293,000 | $13,138,250 |
| Net Income From Continuing And Discontinued Operation | $-1,933,000 | $3,383,000 | $9,293,000 | $12,932,000 |
| Net Income Common Stockholders | $-1,469,000 | $2,565,000 | $7,022,000 | $9,723,000 |
| Net Income | $-1,933,000 | $3,383,000 | $9,293,000 | $12,932,000 |
| Net Income Including Noncontrolling Interests | $-1,933,000 | $4,828,000 | $9,422,000 | $13,033,000 |
| Net Income Continuous Operations | $-1,933,000 | $4,828,000 | $9,422,000 | $13,033,000 |
| Pretax Income | $-4,093,000 | $5,160,000 | $11,784,000 | $15,689,000 |
| Special Income Charges | $-152,000 | $3,156,000 | $0 | $-250,000 |
| Depreciation Amortization Depletion Income Statement | $627,000 | $293,000 | - | - |
| Depreciation And Amortization In Income Statement | $627,000 | $293,000 | - | - |
| Amortization Of Intangibles Income Statement | $627,000 | $293,000 | - | - |
| Per Share | ||||
| Diluted EPS | $-0.54 | $0.60 | $1.51 | $2.13 |
| Basic EPS | $-0.54 | $0.60 | $1.51 | $2.13 |
| Other | ||||
| Tax Effect Of Unusual Items | $-31,920 | $280,884 | $0 | $-43,750 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-152,000 | $3,156,000 | $0 | $-250,000 |
| Total Unusual Items Excluding Goodwill | $-152,000 | $3,156,000 | $0 | $-250,000 |
| Reconciled Depreciation | $2,399,000 | $1,337,000 | $1,340,000 | $700,000 |
| Diluted Average Shares | $4,777,000 | $4,714,000 | $4,653,000 | $4,559,000 |
| Basic Average Shares | $4,777,000 | $4,714,000 | $4,653,000 | $4,559,000 |
| Diluted NI Availto Com Stockholders | $-1,469,000 | $2,565,000 | $7,022,000 | $9,723,000 |
| Otherunder Preferred Stock Dividend | $-464,000 | $818,000 | $2,271,000 | $3,209,000 |
| Minority Interests | $0 | $-1,445,000 | $-129,000 | $-101,000 |
| Tax Provision | $-2,160,000 | $332,000 | $2,362,000 | $2,656,000 |
| Other Special Charges | $152,000 | $-3,156,000 | - | $250,000 |
| Gain On Sale Of Security | $-2,035,000 | $126,000 | $-193,000 | $183,000 |
| Amortization | $627,000 | $293,000 | - | - |
| Selling General And Administration | $19,967,000 | $19,330,000 | $17,476,000 | $17,533,000 |
| Insurance And Claims | $604,000 | $916,000 | $885,000 | $606,000 |
| Salaries And Wages | $18,904,000 | $17,810,000 | $15,920,000 | $16,022,000 |
| Occupancy And Equipment | $5,313,000 | $4,118,000 | $3,563,000 | $3,380,000 |
| Gain On Sale Of Business | - | $3,169,000 | $0 | - |
| Preferred Stock Dividends | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $112,033,000 | $110,438,000 | $114,874,000 | $106,360,000 |
| Total Assets | $1,426,636,000 | $1,474,874,000 | $1,465,798,000 | $1,399,921,000 |
| Goodwill And Other Intangible Assets | $10,418,000 | $11,045,000 | $4,621,000 | $4,637,000 |
| Other Intangible Assets | $5,362,000 | $5,989,000 | $85,000 | $101,000 |
| Receivables | $6,328,000 | $6,881,000 | $7,286,000 | $6,168,000 |
| Accounts Receivable | $6,328,000 | $6,881,000 | $7,286,000 | $6,168,000 |
| Cash And Cash Equivalents | $31,170,000 | $31,572,000 | $48,732,000 | $35,282,000 |
| Cash Financial | $11,521,000 | $13,963,000 | $12,338,000 | $13,939,000 |
| Cash Cash Equivalents And Federal Funds Sold | $31,170,000 | $31,572,000 | $48,732,000 | $35,282,000 |
| Debt | ||||
| Net Debt | $57,059,000 | $86,603,000 | $156,781,000 | $110,448,000 |
| Total Debt | $105,923,000 | $136,511,000 | $211,605,000 | $152,569,000 |
| Long Term Debt And Capital Lease Obligation | $61,923,000 | $75,511,000 | $85,925,000 | $92,236,000 |
| Long Term Debt | $44,229,000 | $57,175,000 | $79,833,000 | $85,397,000 |
| Current Debt And Capital Lease Obligation | $44,000,000 | $61,000,000 | $125,680,000 | $60,333,000 |
| Current Debt | $44,000,000 | $61,000,000 | $125,680,000 | $60,333,000 |
| Other Current Borrowings | $44,000,000 | $61,000,000 | $125,680,000 | $60,333,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,304,185,000 | $1,353,391,000 | $1,345,542,000 | $1,288,339,000 |
| Payables And Accrued Expenses | $424,000 | $546,000 | $2,245,000 | $975,000 |
| Payables | $424,000 | $546,000 | $2,245,000 | $975,000 |
| Accounts Payable | $424,000 | $546,000 | $2,245,000 | $975,000 |
| Equity | ||||
| Common Stock Equity | $122,451,000 | $121,483,000 | $119,495,000 | $110,997,000 |
| Total Equity Gross Minority Interest | $122,451,000 | $121,483,000 | $120,256,000 | $111,582,000 |
| Stockholders Equity | $122,451,000 | $121,483,000 | $119,495,000 | $110,997,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,367,000 | $-9,144,000 | $-9,605,000 | $-12,172,000 |
| Other Equity Adjustments | $-5,367,000 | $-9,144,000 | $-9,605,000 | $-12,172,000 |
| Retained Earnings | $73,366,000 | $77,816,000 | $76,060,000 | $71,322,000 |
| Other Equity Interest | - | - | $-135,000 | $-315,000 |
| Other | ||||
| Ordinary Shares Number | $6,185,644 | $6,125,649 | $6,099,571 | $6,032,112 |
| Share Issued | $6,185,644 | $6,125,649 | $6,099,571 | $6,032,112 |
| Tangible Book Value | $112,033,000 | $110,438,000 | $114,874,000 | $106,360,000 |
| Invested Capital | $210,680,000 | $239,658,000 | $325,008,000 | $256,727,000 |
| Capital Lease Obligations | $17,694,000 | $18,336,000 | $6,092,000 | $6,839,000 |
| Total Capitalization | $166,680,000 | $178,658,000 | $199,328,000 | $196,394,000 |
| Additional Paid In Capital | $54,390,000 | $52,750,000 | $53,114,000 | $52,101,000 |
| Capital Stock | $62,000 | $61,000 | $61,000 | $61,000 |
| Common Stock | $62,000 | $61,000 | $61,000 | $61,000 |
| Long Term Capital Lease Obligation | $17,694,000 | $18,336,000 | $6,092,000 | $6,839,000 |
| Investments And Advances | $413,173,000 | $432,090,000 | $441,208,000 | $387,990,000 |
| Held To Maturity Securities | $130,324,000 | $158,683,000 | $179,286,000 | $194,402,000 |
| Available For Sale Securities | $6,034,000 | $4,076,000 | $3,206,000 | $1,862,000 |
| Goodwill | $5,056,000 | $5,056,000 | $4,536,000 | $4,536,000 |
| Net PPE | $34,991,000 | $37,076,000 | $24,040,000 | $24,183,000 |
| Accumulated Depreciation | $-26,373,000 | $-24,995,000 | $-23,651,000 | $-22,254,000 |
| Gross PPE | $61,364,000 | $62,071,000 | $47,691,000 | $46,437,000 |
| Construction In Progress | $546,000 | $956,000 | $758,000 | $320,000 |
| Other Properties | $16,983,000 | $18,067,000 | $5,599,000 | $6,311,000 |
| Machinery Furniture Equipment | $20,057,000 | $19,471,000 | $17,889,000 | $17,337,000 |
| Buildings And Improvements | $21,225,000 | $20,916,000 | $20,784,000 | $20,406,000 |
| Land And Improvements | $2,553,000 | $2,661,000 | $2,661,000 | $2,063,000 |
| Other Short Term Investments | $276,815,000 | $269,331,000 | $258,716,000 | $191,726,000 |
| Minority Interest | - | $0 | $761,000 | $585,000 |
| Treasury Shares Number | - | - | $0 | - |
| Leases | - | - | - | $2,098,000 |
| Preferred Stock | - | - | - | - |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $10,417,000 | $2,876,000 | $13,466,000 | $16,524,000 |
| Operating Activities | ||||
| Operating Cash Flow | $11,677,000 | $11,209,000 | $15,432,000 | $21,733,000 |
| Cash Flow From Continuing Operating Activities | $11,677,000 | $11,209,000 | $15,432,000 | $21,733,000 |
| Operating Gains Losses | $-1,792,000 | $-1,766,000 | $-23,000 | $-450,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,260,000 | $-8,333,000 | $-1,966,000 | $-5,209,000 |
| Investing Cash Flow | $40,445,000 | $-22,398,000 | $-54,788,000 | $-131,160,000 |
| Cash Flow From Continuing Investing Activities | $40,445,000 | $-22,398,000 | $-54,788,000 | $-131,160,000 |
| Net Other Investing Changes | $2,030,000 | $7,332,000 | $-2,446,000 | $-1,727,000 |
| Financing Activities | ||||
| Financing Cash Flow | $-52,524,000 | $-5,971,000 | $52,806,000 | $107,560,000 |
| Cash Flow From Continuing Financing Activities | $-52,524,000 | $-5,971,000 | $52,806,000 | $107,560,000 |
| Net Other Financing Charges | $-50,000 | $-810,000 | $131,000 | $196,000 |
| Cash Dividends Paid | $-2,460,000 | $-2,378,000 | $-2,187,000 | $-2,037,000 |
| Common Stock Dividend Paid | $-2,460,000 | $-2,378,000 | $-2,187,000 | $-2,037,000 |
| Preferred Stock Dividend Paid | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-23,883,000 | $-33,551,000 | $-12,019,000 | $-18,227,000 |
| Issuance Of Debt | $10,889,000 | $10,700,000 | $6,274,000 | $9,293,000 |
| Interest Paid Supplemental Data | $32,440,000 | $38,624,000 | $27,474,000 | $1,754,000 |
| End Cash Position | $31,170,000 | $31,572,000 | $48,732,000 | $35,282,000 |
| Beginning Cash Position | $31,572,000 | $48,732,000 | $35,282,000 | $37,149,000 |
| Changes In Cash | $-402,000 | $-17,160,000 | $13,450,000 | $-1,867,000 |
| Proceeds From Stock Option Exercised | $656,000 | $291,000 | $623,000 | $418,000 |
| Net Issuance Payments Of Debt | $-29,994,000 | $-87,531,000 | $59,602,000 | $38,899,000 |
| Net Short Term Debt Issuance | $-17,000,000 | $-64,680,000 | $65,347,000 | $47,833,000 |
| Net Long Term Debt Issuance | $-12,994,000 | $-22,851,000 | $-5,745,000 | $-8,934,000 |
| Long Term Debt Payments | $-23,883,000 | $-33,551,000 | $-12,019,000 | $-18,227,000 |
| Long Term Debt Issuance | $10,889,000 | $10,700,000 | $6,274,000 | $9,293,000 |
| Net Investment Purchase And Sale | $26,752,000 | $8,678,000 | $-48,584,000 | $-58,913,000 |
| Sale Of Investment | $101,960,000 | $126,899,000 | $65,782,000 | $57,656,000 |
| Purchase Of Investment | $-75,208,000 | $-118,221,000 | $-114,366,000 | $-116,569,000 |
| Net Business Purchase And Sale | $816,000 | $1,155,000 | $0 | - |
| Sale Of Business | $816,000 | $1,155,000 | $0 | - |
| Net Intangibles Purchase And Sale | $0 | $-6,271,000 | $0 | - |
| Purchase Of Intangibles | $0 | $-6,271,000 | $0 | - |
| Net PPE Purchase And Sale | $-1,260,000 | $-2,062,000 | $-1,966,000 | $-4,218,000 |
| Purchase Of PPE | $-1,260,000 | $-2,062,000 | $-1,966,000 | $-5,209,000 |
| Change In Working Capital | $-489,000 | $-2,189,000 | $459,000 | $2,053,000 |
| Change In Other Working Capital | $-1,042,000 | $-2,594,000 | $1,577,000 | $3,701,000 |
| Change In Receivables | $553,000 | $405,000 | $-1,118,000 | $-1,648,000 |
| Changes In Account Receivables | $553,000 | $405,000 | $-1,118,000 | $-1,648,000 |
| Other Non Cash Items | $-432,000 | $25,000 | $-360,000 | $42,000 |
| Stock Based Compensation | $985,000 | $247,000 | $462,000 | $626,000 |
| Deferred Tax | $-3,521,000 | $-417,000 | $-367,000 | $139,000 |
| Deferred Income Tax | $-3,521,000 | $-417,000 | $-367,000 | $139,000 |
| Depreciation Amortization Depletion | $2,399,000 | $1,337,000 | $1,340,000 | $700,000 |
| Depreciation And Amortization | $2,399,000 | $1,337,000 | $1,340,000 | $700,000 |
| Amortization Cash Flow | $578,000 | $217,000 | $-22,000 | $5,000 |
| Amortization Of Intangibles | $578,000 | $217,000 | $-22,000 | $5,000 |
| Depreciation | $1,821,000 | $1,120,000 | $1,362,000 | $695,000 |
| Gain Loss On Investment Securities | $-1,427,000 | $-126,000 | $193,000 | $-183,000 |
| Gain Loss On Sale Of PPE | $37,000 | $13,000 | $0 | $-130,000 |
| Gain Loss On Sale Of Business | $0 | $-1,504,000 | $0 | - |
| Net Income From Continuing Operations | $-1,933,000 | $3,383,000 | $9,293,000 | $12,932,000 |
| Income Tax Paid Supplemental Data | - | $600,000 | $3,159,000 | $3,218,000 |
| Sale Of PPE | - | $3,007,000 | $0 | $991,000 |
| Asset Impairment Charge | - | - | $0 | $380,000 |
Fetched: 2026-06-20