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Pathfinder Bancorp, Inc. (PBHC)

NASDAQ: PBHC · USD

$16.3

+0.28 (+1.8%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-07-31 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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Market cap	101.9M
Revenue (ttm)	30M
Net income (ttm)	-2.4M
EPS (ttm)	-$0.40
Shares out	6.3M
Dividend	$0.40 (2.46%)
Volume	3,847.004
Beta	0.13

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 30M
Net income (ttm): -2.4M
EPS (ttm): -$0.40
Market cap: 101.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	227.9B	20.5x	3.2x	11.9%	+13.2%	+10.6%	Reduce
BAC	Bank of America Corporation	433.2B	14.3x	3.8x	—	+5.6%	+31.5%	Reduce
BK	The Bank of New York Mellon Corporation	—	—	—	—	—	—	Reduce

All PBHC indicators

Market & fundamental data

Available fields

210

Groups with data

Currency

USD

Showing 210 of 210 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001609065
Company name	Pathfinder Bancorp, Inc.
Country	United States
Country code	US
Cusip	70319R109
Employees	182
Employees Change	8%
Employees Change Percent	4.6
Enterprise value	$135.4M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Industry PE	13.13
Industry PE Fwd	10.93
Isin	US70319R1095
Last refreshed	2026-07-31
Market cap	$101.9M
Market cap category	Micro-Cap
Price	$16.28
Price currency	USD
Rev Per Employee	164,681.32x
Sector	Financials
Sector PE	16.95
Sector PE Fwd	14.53
Sic	6022
Symbol	PBHC
Website	https://www.pathfinderbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	-2.4%
EV/FCF	27.82x
EV/Sales	4.52x
FCF yield	4.78%
P/B ratio	0.82x
P/S ratio	3.4x
PE Ratio10 Y	16x
PE Ratio3 Y	20.24x
PE Ratio5 Y	16.44x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	16.24%
Gross Profit	$30M
Net Income	$-2.4M
Net Income Growth Q	-18.86%
Net Income Growth Years	0%
Pretax Margin	-16.24%
Profit Margin	-8.32%
Profit Per Employee	$-13,429
Profitable Quarters	$1
ROA	-0.17
Roa5y	0.56
ROE	-2.01
Roe5y	6.86

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	5.18%
Cagr15y	8.72%
Cagr1y	12.43%
Cagr20y	6.4%
Cagr3y	3.55%
Cagr5y	2.78%
Div CAGR10	7.18%
Div CAGR3	3.57%
Div CAGR5	9%
EPS Growth Q	-19.7
EPS Growth Years	0
FCF Growth	-65.06%
FCF Growth3 Y	-36.41%
FCF Growth5 Y	-14.06%
OCF Growth	-65.01%
OCF Growth10 Y	0.39%
OCF Growth3 Y	-37.65%
OCF Growth5 Y	-13.77%
Revenue Growth	-27.46x
Revenue Growth Q	-4.25x
Revenue Growth Years	0x
Revenue Growth3 Y	-12.32x
Revenue Growth5 Y	-2.68x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$1.4B
Cash	$41.6M
Debt	$75.1M
Debt FCF	$15.43
Equity	$123.6M
Liabilities	$1.3B
Net Cash	$-33.6M
Net Cash By Market Cap	$-32.94
Net Debt Equity	$0.27
Net Debt FCF	$6.89
Tangible Book Value	$113.3M
Tangible Book Value Per Share	$18.11
WACC	2.86

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-1.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.91%
Dividend Growth	0%
Dividend Growth Years	5%
Dividend per share	$0.4
Dividend Years	31
Dividend Yield	2.46%
Ex Div Date	2026-07-17
Last Dividend	$0.1
Payout Frequency	Quarterly

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	65.64%
1Y total return	12.42%
200-day SMA	14.53
3Y total return	11.04%
50-day SMA	15.3
50-day SMA vs 200-day SMA	50over200
5Y total return	14.69%
All Time High	21.99
All Time High Change	-25.97%
All Time High Date	2022-03-24
All Time Low	2.88
All Time Low Change	464.49%
All Time Low Date	2009-03-10
ATR	0.68
Beta	0.13
Beta1y	0.19
Beta2y	0.07
Ch YTD	15.38
High	16.28
High52	17.4
High52 Date	2026-06-24
High52ch	-6.44%
Low	15.96
Low52	12.06
Low52 Date	2026-02-03
Low52ch	35.03%
Ma50ch	6.43%
Price vs 200-day SMA	12.04%
RSI	58.98
RSI Monthly	56.9
RSI Weekly	62.44
Sharpe ratio	0.27x
Sortino ratio	0.56
Total Return	1.58%
Tr YTD	17.78
Tr15y	250.38%
Tr1m	1.06%
Tr1w	1.94%
Tr3m	20.45%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$-4.2M
Operating margin	-14

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	3,564,127%
Float Percent	56.97%
Net Borrowing	-17,254,000
Shares Insiders	14.42%
Shares Institutions	23.2%
Shares Out	6,256,496
Shares Qo Q	1.39%
Shares Yo Y	0.91%
Short Float	0.3%
Short Ratio	0.47
Short Shares	0.17

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	17,521.2x
Bv Per Share	19.75
CAPEX	$-871,000
Ch10y	34.66
Ch15y	168.4
Ch1m	0.43
Ch1w	1.94
Ch1y	9.41
Ch20y	129.2
Ch3m	19.71
Ch3y	2.39
Ch5y	1.75
Ch6m	14.25
Change	1.75%
Change From Open	1.06
Close	16
Days Gap	0.69
Dollar Volume	62,629.2
Earnings Date	2026-07-30
Earnings Time	amc
EPS	$-0.4
F Score	2
FCF	$4.9M
FCF EV Yield	3.59x
FCF Per Share	$0.78
Financing CF	-71,601,000
Fiscal Year End	December
Founded	1,859
Goodwill	5,056,000
Income Tax	$-2.4M
Investing CF	53,553,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-07-30
Last Report Date	2026-03-31
Last Split Date	2014-10-17
Last Split Type	Forward
Last10k Filing Date	2026-03-30
Ma150	14.34
Ma150ch	13.53%
Ma20	16.1
Ma20ch	1.14%
Net CF	-12,309,000
Next Earnings Date	2026-10-29
Open	16.11
Optionable	No
P FCF Ratio	20.92
P OCF Ratio	17.75
Payment Date	2026-08-07
Position In Range	100
Ppne	34,641,000
Price Date	2026-07-30
Ptbv Ratio	0.9
Relative Volume	0.22x
Revenue	29,972,000x
SBC By Revenue	3.57x
Share Based Comp	1,071,000
Tax By Revenue	-7.92x
Tr20y	245.85%
Tr6m	15.81%
Us State	New York
Volume	3,847

Pathfinder Bancorp, Inc. (PBHC)

Coverage state: Market snapshot only — no published research

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Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

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