Stock Evaluator: Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp, Inc. PBHC

$16.35 0.07 0.43%
July 31, 2026 3:53:28 PM EST November 10, 2021 Volume: 9,915
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

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COMPANY SUMMARY
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.

Commentary & Analysis


Financial Summary

Share Statistics PBHC Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $102.3 $716.9 22%
Shares Out (Mil) 6.3 15.7 16%
Institutional Ownership 61.7% 83.0% 39%
Float (Mil) 3.6 21.2 9%
Beta na 0.48 na
Avg Daily Volume (000s) 8 53 15%
Price Change
(52-week)
7.1% 96.7% 51%
Growth PBHC Industry
Median
Percentile
(All Stocks)
Sales (5yr) (1.8%) 7.6% 13%
Net Income (5yr) (17.8%) 11.1% 22%
EPS (5yr) (17.7%) 10.1% 15
Dividends (5yr) 10.8% 3.6% 67%
Cash Flow (5yr) (15.0%) (17.0%) 52%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates na na na
Current EPS na na na
Month Ago EPS na na na
# Rev Up na na na
# Rev Down na na na
Three Months Ago EPS na na na
Year/Year Chg na na na
Financials PBHC Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $30 $190 16%
Net Income (TTM) (Mil) ($3) $51 36%
EPS (TTM) ($0.396) $2.500 29%
Operating Cash Flow (TTM) (Mil) $6 $34 36%
Net Cash Flow (TTM) (Mil) ($12) $1 29%
Long-Term Debt (Q1) (Mil) $60 $100 41%
Enterprise Value (Q1) (Mil) na $0 na
Valuation PBHC Industry
Median
Percentile
(All Stocks)
P/B 0.83 1.27 17%
P/E na 12.9 na
Dividend Yield 2.4% 2.2% 79%
PEG (5yr hist) na 1.1 na
Ratios PBHC Industry
Median
Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 0.4% 28.9% 33%
ROA (0.2%) 1.0% 38%
ROE (2.0%) 11.1% 34%
Liabilities to Assets 91.3% 89.8% 88%
F-Score 3 4 19%

Pathfinder Bancorp, Inc. did not pass any screens on 7/31/2026.

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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