Pathfinder Bancorp, Inc. (PBHC)

NASDAQ: PBHC · USD

$17.0

+0.23 (+1.4%)· Recorded snapshot

Market cap	106.9M
Revenue (ttm)	33.8M
Net income (ttm)	171K
EPS (ttm)	$0.03
Shares out	6.3M
P/E (trailing)	623.5x
Dividend	$0.40 (2.35%)
Volume	1,627
Beta	0.12

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 33.8M
Net income (ttm): 171K
EPS (ttm): $0.03
P/E (trailing): 623.5x
Market cap: 106.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Acquisto forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Acquisto forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Mantenere

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E623.5

P25 n/aP50 n/aP75 n/a

ROE0.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PBHC indicators

Market & fundamental data

Available fields

237

Groups with data

Currency

USD

Showing 237 of 237 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0001609065
Company name	Pathfinder Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	70319R109
Earnings date	2026-11-10
Earnings time	amc
Employees	182
Employees change	8
Employees growth	4.6%
Enterprise value	$257.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1859
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US70319R1095
Last 10-K release date	2026-03-30
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2014-10-17
Last stock split type	Forward
Market cap	$106.9M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$17.02
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	PBHC
U.S. state	New York
Website	https://www.pathfinderbank.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	30.97x
Average P/E ratio (3Y)	77.78x
Average P/E ratio (5Y)	48.29x
Earnings yield	0.16%
EV/Earnings	1,514.48x
EV/FCF	23.52x
EV/Sales	7.66x
FCF / EV yield	4.25%
FCF yield	10.2%
Graham number	3.50726
Graham upside	-79.6%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$0.14
Lynch upside	-99.21%
P/B ratio	0.84x
P/E ratio	623.49x
P/FCF ratio	9.8x
P/OCF ratio	9.13x
P/S ratio	3.19x
Price / tangible book value	0.93x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

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

Metric	Value
FCF margin	32.59%
Operating margin	-2.25%
Pretax margin	-4.89%
Profit margin	0.42%
Profit per employee	$940
Profitable quarters	2
Revenue per employee	$185,648
ROA	0.01%
ROA (5Y)	0.56%
ROE	0.11%
ROE (5Y)	6.86%
SBC / revenue	3.15%
Tax / revenue	-5.32%

Growth

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

Metric	Value
EPS growth	-92.45%
EPS growth (Q)	8,256.34%
EPS growth (QoQ)	10.84%
EPS growth 10Y	-28%
EPS growth 3Y	-74.23%
EPS growth 5Y	-54.61%
EPS growth years	0
FCF growth	17.94%
FCF growth 3Y	-2.32%
FCF growth 5Y	-3.46%
Net income growth	-93.7%
Net income growth (Q)	8,506.45%
Net income growth (QoQ)	12.09%
Net income growth 3Y	-73.83%
Net income growth 5Y	-51.69%
Net income growth quarters	1
Net income growth years	0
OCF growth	6.06%
OCF growth 10Y	6.89%
OCF growth 3Y	-10.74%
OCF growth 5Y	-4.43%
Revenue growth	-13.4%
Revenue growth (Q)	47.12%
Revenue growth (QoQ)	2.41%
Revenue growth 10Y	3.98%
Revenue growth 3Y	-7.67%
Revenue growth 5Y	-1.82%
Revenue growth quarters	1
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-812,000
EPS	$0.03
FCF per share	$1.75
Financing cash flow	$-12.3M
Free cash flow	$11M
Gross profit	$33.8M
Income taxes	$-1.8M
Investing cash flow	$-4.9M
Net borrowing	$36.9M
Net cash flow	$-5.4M
Net income	$171,000
Operating income	$-759,000
Revenue	$33.8M
Stock-based compensation	$1.1M

Financial strength

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

Metric	Value
Book value per share	$20.03
Debt / equity	1.44
Debt / FCF	16.44
Goodwill	$5.1M
Net cash (debt)	$-151M
Net cash / market cap	-139.95%
Net debt / equity	1.2
Net debt / FCF	13.72
Piotroski F-Score	4
Property, plant and equipment	$34.2M
Shareholders' equity	$125.7M
Tangible book value	$115.6M
Tangible book value per share	$18.42
Total assets	$1.5B
Total cash	$29.9M
Total debt	$181M
Total liabilities	$1.4B
WACC	1.83%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.3B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-1.86%
Dividend growth	0%
Dividend growth (10Y)	7.18%
Dividend growth (3Y)	3.57%
Dividend growth (5Y)	8.18%
Dividend growth years	5
Dividend payment date	2026-11-06
Dividend payment years	31
Dividend payout frequency	Quarterly
Dividend per share	$0.40
Dividend yield	2.35%
Ex-dividend date	2026-10-16
FCF payout ratio	22.81%
Last dividend	$0.10
Payout ratio	1,465.31%
Shareholder yield	0.47%

Performance and technicals

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

Metric	Value
10Y price change	41.6%
10Y return CAGR	5.73%
10Y total return	74.51%
150-day SMA	$15.31
15Y price change	233.14%
15Y return CAGR	10.31%
15Y total return	335.97%
1D price change	1.37%
1M price change	-0.92%
1M total return	-0.33%
1W price change	-0.29%
1W total return	-0.29%
1Y price change	15.68%
1Y return CAGR	18.81%
1Y total return	18.8%
20-day SMA	$17.00
200-day SMA	$14.99
20Y price change	101.97%
20Y return CAGR	5.72%
20Y total return	204.37%
3M price change	7.44%
3M total return	8.09%
3Y price change	29.74%
3Y return CAGR	12.03%
3Y total return	40.61%
50-day SMA	$16.75
50-day SMA vs 200-day SMA	50over200
52-week high	$18.30
52-week high date	2026-09-21
52-week low	$12.06
52-week low date	2026-02-03
5Y price change	3.93%
5Y return CAGR	3.25%
5Y total return	17.35%
6M price change	28.28%
6M total return	29.86%
All-time high	$21.99
All-time high date	2022-03-24
All-time low	$2.88
All-time low date	2009-03-10
Average true range (ATR)	$0.40
Average volume	1.5K
Beta (1Y)	0.08
Beta (2Y)	-0.02
Beta (5Y)	0.12
Change from 52-week high	-6.99%
Change from 52-week low	41.16%
Change from all-time high	-21.83%
Change from all-time low	496.05%
Change from open	1.07%
Day's gap	0.3%
Dollar volume	$27,692
High price	$17.25
Low price	$16.79
Monthly RSI	59.76
Open price	$16.84
Position in 52-week range	50%
Previous close	$16.79
Price vs 150-day SMA	12.27%
Price vs 20-day SMA	1.11%
Price vs 200-day SMA	14.71%
Price vs 50-day SMA	2.61%
Relative volume	1.11
RSI	53.07
Sharpe ratio	0.62
Sharpe ratio (3Y)	0.23
Sharpe ratio (5Y)	0.43
Sortino ratio	1.08
Sortino ratio (3Y)	0.5
Sortino ratio (5Y)	0.82
Volume	1.6K
Weekly RSI	59.72
YTD price change	21.83%
YTD total return	25.11%

Ownership and float

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

Metric	Value
Float	3.6M
Float percentage	57.12%
Shares change (QoQ)	1.13%
Shares change (YoY)	1.86%
Shares held by insiders	14.37%
Shares held by institutions	23.2%
Shares outstanding	6.3M
Short % of float	0.25%
Short % of shares	0.14%
Short ratio	2.1 days

Deeper analysis on PBHC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PBHC report

Is a complete PBHC research report available?

No complete published report is available for Pathfinder Bancorp, Inc. (PBHC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Pathfinder Bancorp, Inc. (PBHC)

Price

Financial snapshot

Fair-value bridge

Latest news · PBHC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PBHC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PBHC

Frequently asked questions