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StockMarketAgent
Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

PBHC stock hub

Pathfinder Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint
n/a
Fair value pending
Upside to midpoint
n/a
Based on latest report
Confidence
n/a
Data quality and model convergence
Market cap
87.5M
NASDAQ
Market data

Live price

Current market quote for this ticker.

Current price
PBHC
In the news

Latest news · PBHC

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a
P25 8.8P50 10.4P75 13.1
Trailing P/En/a
P25 10.9P50 14.7P75 36.2
ROE-2
P25 4.9P50 10.4P75 15
ROICn/a
P25 -1.3P50 6.6P75 12.7
Benchmarks - 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
Indicator catalog

All PBHC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields
183
Groups with data
11
Currency
USD
Showing 183 of 183 available metrics for this ticker.

Profile and market data

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

24
MetricValue
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
$123.5M
Exchange
NASDAQ
Financial currency
USD
First seen
2026-05-09
Industry
Banks - Regional
Isin
US70319R1095
Last refreshed
2026-05-10
Market cap
$87.5M
Market cap category
Micro-Cap
Price
$13.99
Price currency
USD
Rev Per Employee
164,681.32x
Sector
Financials
Sic
6022
Symbol
PBHC
Website
https://www.pathfinderbank.com

Valuation

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

7
MetricValue
Earnings Yield
-2.81%
EV/Sales
4.12x
P/B ratio
0.7x
P/S ratio
2.92x
PE Ratio10 Y
16.04x
PE Ratio3 Y
20.4x
PE Ratio5 Y
16.53x

Profitability

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

11
MetricValue
Gross Profit
$30M
Net Income
$-2.5M
Net Income Growth Q
-18.86%
Net Income Growth Years
0%
Pretax Margin
-16.24%
Profit Margin
-8.32%
Profit Per Employee
$-13,495
ROA
-0.17
Roa5y
0.56
ROE
-2.01
Roe5y
6.86

Growth

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

16
MetricValue
Cagr10y
4.23%
Cagr15y
7.43%
Cagr1y
-2.37%
Cagr20y
5.48%
Cagr3y
3.96%
Cagr5y
1.9%
Div CAGR10
8.31%
Div CAGR3
3.57%
Div CAGR5
9.86%
EPS Growth Q
5.89
EPS Growth Years
0
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.

11
MetricValue
Assets
$1.4B
Cash
$39.2M
Debt
$75.1M
Equity
$123.6M
Liabilities
$1.3B
Net Cash
$-35.9M
Net Cash By Market Cap
$-41.07
Net Debt Equity
$0.29
Tangible Book Value
$113.3M
Tangible Book Value Per Share
$18.32
WACC
2.8

Liquidity

Current-asset coverage and working-capital efficiency metrics.

1
MetricValue
Working Capital
$-1.2B

Dividends and buybacks

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

9
MetricValue
Buyback Yield
-1.3%
Dividend Growth
0%
Dividend Growth Years
5%
Dividend per share
$0.4
Dividend Years
31
Dividend Yield
2.86%
Ex Div Date
2026-04-17
Last Dividend
$0.1
Payout Frequency
Quarterly

Performance and technicals

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

39
MetricValue
10Y total return
51.33%
1Y total return
-2.37%
200-day SMA
14.46
3Y total return
12.37%
50-day SMA
13.48
50-day SMA vs 200-day SMA
50under200
5Y total return
9.87%
All Time High
21.99
All Time High Change
-36.38%
All Time High Date
2022-03-24
All Time Low
2.88
All Time Low Change
385.09%
All Time Low Date
2009-03-10
ATR
0.35
Beta
0.17
Beta1y
0.2
Beta2y
-0.03
Ch YTD
-0.85
High
13.99
High52
16.5
High52 Date
2025-05-22
High52ch
-15.21%
Low
13.99
Low52
12.06
Low52 Date
2026-02-03
Low52ch
16.03%
Ma50ch
3.8%
Price vs 200-day SMA
-3.27%
RSI
54.83
RSI Monthly
46.29
RSI Weekly
49.12
Sharpe ratio
-0.39x
Sortino ratio
-0.38
Total Return
1.58%
Tr YTD
0.59
Tr15y
193.1%
Tr1m
5.89%
Tr1w
-1.82%
Tr3m
8.67%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

2
MetricValue
Operating Income
$-4.2M
Operating margin
-14

Ownership and float

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

10
MetricValue
Float
3,531,075%
Float Percent
56.44%
Shares Insiders
14.95%
Shares Institutions
22.9%
Shares Out
6,256,496
Shares Qo Q
0.11%
Shares Yo Y
1.3%
Short Float
0.25%
Short Ratio
3.53
Short Shares
0.14

Other indicators

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

53
MetricValue
Average Volume
4,057.25x
Bv Per Share
19.98
Ch10y
23.26
Ch15y
125.2
Ch1m
5.11
Ch1w
-1.82
Ch1y
-5.02
Ch20y
92.04
Ch3m
7.86
Ch3y
3.63
Ch5y
-2.35
Ch6m
-7.1
Change
0.79%
Change From Open
0
Close
13.88
Days Gap
0.79
Dollar Volume
10,221.2
Earnings Date
2026-04-29
Earnings Time
amc
EPS
$-0.4
F Score
0
Fiscal Year End
December
Founded
1,859
Goodwill
5,056,000
Income Tax
$-2.4M
Is Primary Listing
1
Is Spac
No
Last Earnings Date
2026-04-29
Last Report Date
2026-03-31
Last Split Date
2014-10-17
Last Split Type
Forward
Last10k Filing Date
2026-03-30
Ma150
14.29
Ma150ch
-2.11%
Ma20
13.65
Ma20ch
2.48%
Next Earnings Date
2026-07-29
Open
13.99
Optionable
No
Payment Date
2026-05-08
Post Close
13.99
Postmarket Change Percent
-1.43
Postmarket Price
$13.79
Ppne
34,641,000
Price Date
2026-05-08
Ptbv Ratio
0.77
Relative Volume
0.18x
Revenue
29,972,000x
Tax By Revenue
-7.92x
Tr20y
190.44%
Tr6m
-5.76%
Us State
New York
Volume
730.6
Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate
n/a
Named kill scenarios are reviewed before any bullish rating can stand.
Moat score
n/a
Business quality stays separate from stock attractiveness.
Forward P/E
n/a
Valuation uses the full report model stack, not a single multiple.
Next action
Research pending
Final action steps are kept in the recommendation tab.
Income

PBHC dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield
+2.9%
$0.40 annual per share
Payout ratio
n/a
Share of earnings returned as dividends. Below 60% is generally sustainable.
5Y dividend CAGR
+9.9%
5 consecutive years of growth
Total shareholder yield
+1.6%
Next ex-dividend date: 2026-04-17
Performance

PBHC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

1Y total return
-2.4%
S&P 500 1Y: n/a
3Y total return
+12.4%
S&P 500 3Y: n/a
5Y total return
+9.9%
S&P 500 5Y: n/a
10Y total return
+51.3%
S&P 500 10Y: n/a
Ownership

Who owns PBHC?

Insider, institutional, and short-interest positioning.

Institutional ownership
+22.9%
Float: +56.4% of shares outstanding
Insider ownership
+14.9%
Stake held by company insiders. Higher generally signals alignment.
Short interest
+0.3%
3.5 days to cover
Y/Y dilution
+1.3%
Negative means the company is buying back shares.
Technical

PBHC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)
54.8
Neutral momentum band
Price vs 200-day MA
-3.3%
50/200-day relationship not available
Beta (5Y)
0.17
Less volatile than the market
Sharpe ratio
-0.39
Risk-adjusted return — higher is better; >1.0 is solid.
Peers

PBHC vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

TickerNameMarket capP/EP/SROIC5Y rev CAGR1Y total returnRating
AXPAmerican Express Company215.6B19.7x3.1x11.5%+15.5%+15.6%घटाएँ
BACBank of America Corporation364.1B12.7x3.3x—+6.3%+28.2%घटाएँ
BKThe Bank of New York Mellon Corporation89.6B16.2x4.3x—+6.0%+58.4%घटाएँ
Questions

About PBHC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current PBHC stock rating?

Pathfinder Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full PBHC analysis?

The full report lives at /stocks/PBHC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for PBHC?

The latest report frames PBHC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the PBHC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.