Financial Services
Pathfinder Bancorp, Inc.(PBHC)
Live Price
Offline$15.84
+1.21% today
1Y Change
+8.49%
Window
Jun 25, 2025 โ Jun 17, 2026
- Market Cap
- $90.00M
- Revenue Growth
- -5.2%
- EPS Growth
- -228.6%
- Dividend Yield
- 2.8%
Coverage: 246 bars ยท Jun 25, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Pathfinder Bancorp, Inc. (PBHC) is a Financial Services stock with a market cap of $90.00M and listed on NASDAQ. The stock last traded around $15.84 and up 8.5% across the available one-year price window (Jun 25, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of -5.2%, EPS growth of -228.6%, a dividend yield of 2.8%. What stands out right now is revenue -5.2%, EPS -228.6%, free cash flow +262.2% with operating margin -6.3% and ROIC -0.3%. The dividend matters to the case here, with a current yield around 2.8%. Valuation is more restrained than many high-expectation growth names at price/sales 1.1. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PBHC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-5.2% vs +3.4% peer median
Operating Margin
Below sector median
-6.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 28, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -5.2% and EPS is at -228.6%, with operating margin around -6.3%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.8%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -2.0% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 28, 2026 | โ | +0.0% | +3.7% | +0.7% |
2026 Jan 29, 2026 | โ | -4.0% | -9.5% | -7.9% |
2025 Oct 30, 2025 | โ | -0.8% | -0.3% | -7.5% |
Benchmark Edge
PBHC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
PBHC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
PBHC Max Drawdown
-23.23%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PBHC and SPY.
Company Overview
Pathfinder Bancorp, Inc.
NASDAQ Capital Market
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
- Leadership
- James A. Dowd
- IPO Date
- Nov 16, 1995
- Employees
- 172
- Street Address
- 214 West First Street
- Mailing
- Oswego, NY, 13126
- Region
- Oswego, NY, US
- Reporting Currency
- USD
- Investor Line
- 315 343 0057
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 1.1
- Price/Book
- 0.7
Growth
- Revenue
- -5.2%
- EPS
- -228.6%
- Free Cash Flow
- +262.2%
Profitability
- Gross Margin
- 39.0%
- Operating Margin
- -6.3%
- Net Margin
- -5.1%
- ROE
- -3.2%
- ROIC
- -0.3%
Balance Sheet
- Debt/Equity
- 0.61
- Current Ratio
- 1.32
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.