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PBHC Overview

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$
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ET
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Intellectia

Loading chart...

High
15.949
Open
15.949
VWAP
15.95
Vol
304.00
Mkt Cap
99.79M
Low
15.949
Amount
4.85K
EV/EBITDA(TTM)
--
Total Shares
6.26M
EV
137.98M
EV/OCF(TTM)
--
P/S(TTM)
2.19
Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.
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Events Timeline

(ET)
2024-09-26
16:08:48
Pathfinder Bancorp announces retirement of Chief Banking Officer
select

News

NASDAQ.COM
8.0
07-02NASDAQ.COM
Pathfinder Bancorp Set for Upcoming Dividend Run
  • Dividend Concept Explained: Pathfinder Bancorp (PBHC) is set to pay a $0.10 dividend on July 17, 2026, requiring investors to purchase shares before the ex-dividend date to qualify, which typically leads to a price drop on that date reflecting the dividend's value.
  • Historical Performance Review: Over the last four dividends, PBHC's stock price increased by $1.19 in the two weeks leading up to the ex-dividend date, surpassing the total dividend amount of $0.40, indicating strong capital appreciation potential that attracts yield-seeking investors.
  • Diverse Investment Strategies: Investors employ various strategies to capture pre-dividend price increases, with some buying two weeks prior and holding, while others sell the day before the ex-dividend date to maximize capital gains, providing flexibility in investment approaches.
  • Future Outlook: With an annualized yield of 2.46%, while past performance does not guarantee future returns, PBHC remains a stock of interest for dividend-focused investors, and it will be intriguing to see if its dividend run history repeats itself.
NASDAQ.COM
8.0
06-30NASDAQ.COM
Pathfinder Bancorp Declares Cash Dividend
  • Dividend Announcement: Pathfinder Bancorp has declared a cash dividend of $0.10 per share, payable on August 7, 2026, to shareholders of record as of July 17, 2026, indicating the company's financial stability and commitment to shareholder returns.
  • Sustained Dividend Record: RGC Resources announced a quarterly cash dividend of $0.2175 per share, to be paid on August 3, 2026, marking the company's 329th consecutive dividend, showcasing its ongoing profitability and long-term commitment to shareholders.
  • Concentrix Dividend: Concentrix's Board has declared a quarterly cash dividend of $0.36 per share, payable on August 4, 2026, which further enhances its market appeal and boosts investor confidence.
  • Shareholder Return Strategy: These dividend announcements reflect the commitment of all three companies to enhance shareholder value through regular cash dividends, demonstrating their robust financial health and confidence in future growth.
seekingalpha
9.5
01-29seekingalpha
Pathfinder Reports Q4 Financial Results
  • Earnings Per Share: Pathfinder reported a GAAP EPS of $1.11 for Q4, demonstrating resilience despite a decline in profitability amid challenging market conditions.
  • Revenue Decline: The company's revenue for the fourth quarter was $11.8 million, reflecting a 25% year-over-year decrease, indicating weakened market demand and intensified competition impacting performance.
  • Financial Stability: Despite the revenue drop, Pathfinder is striving to maintain financial stability, suggesting that measures may be necessary to address ongoing market challenges in the near future.
  • Investor Focus: With the earnings report released, investors are keenly interested in Pathfinder's future growth potential and dividend performance, particularly in the current economic climate.
Newsfilter
9.5
01-29Newsfilter
Pathfinder Bancorp Reports $7 Million Loss in Q4 2025
  • Financial Loss: Pathfinder Bancorp reported a net loss of $7 million in Q4 2025, translating to a diluted loss of $1.11 per share, primarily due to an $11.2 million credit loss provision reflecting risk management measures taken after a comprehensive review of its commercial loan portfolio.
  • Deteriorating Loan Quality: As of December 31, 2025, nonperforming loans totaled $27.6 million, or 3.07% of total loans, up from $23.3 million on September 30, 2025, indicating ongoing challenges in the company's credit risk management.
  • Deposit Decline: Total deposits stood at $1.18 billion as of December 31, 2025, down from $1.23 billion on September 30, 2025, primarily due to runoff of higher-cost brokered deposits, reflecting competitive pressures on the deposit base.
  • Interest Income Decline: Net interest income for Q4 2025 was $10.5 million, a 9.4% decrease from the previous quarter, mainly due to reduced prepayment penalties on loans and investments, highlighting challenges in generating interest income.
NASDAQ.COM
8.0
2025-12-26NASDAQ.COM
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
  • ARMOUR Dividend Announcement: ARMOUR Residential REIT has declared a cash dividend of $0.24 per common share, payable on January 29, 2026, which aims to attract investors and bolster shareholder confidence.
  • Pathfinder Bank Dividend: Pathfinder Bancorp announced a cash dividend of $0.10 per share, payable on February 6, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
  • Mosaic Dividend Declaration: Mosaic's Board of Directors declared a quarterly dividend of $0.22 per share, to be paid on March 19, 2026, showcasing the company's strong performance in ongoing profitability and cash flow management.
  • Ennis Dividend Resolution: Ennis declared a quarterly cash dividend of $0.25 per share, payable on February 5, 2026, indicating the company's continued efforts in maintaining stable cash flow and shareholder returns.
NASDAQ.COM
8.0
2025-12-24NASDAQ.COM
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
  • Dividend Guidance: ARMOUR Residential REIT has announced a cash dividend of $0.24 per share for January 2026, payable on January 29, 2026, reflecting the company's ongoing commitment to shareholder returns.
  • Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 15, 2026, ensuring timely cash inflow which enhances investor confidence and may attract additional investments.
  • Other Company Dividends: Pathfinder Bancorp declared a cash dividend of $0.10 per share, scheduled for payment on February 6, 2026, further indicating the financial sector's focus on shareholder value.
  • Quarterly Dividend Trends: Mosaic and Ennis also announced quarterly dividends of $0.22 and $0.25 per share respectively, highlighting the overall market's emphasis on stable cash flows, which could attract yield-seeking investors.

Valuation Metrics

The current forward P/E ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC.O) is 11.29, compared to its 5-year average forward P/E of 1.29. For a more detailed relative valuation and DCF analysis to assess Pathfinder Bancorp Inc (MARYLAND)'s fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
1.29
Current PE
11.29
Overvalued PE
4.79
Undervalued PE
-2.22

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.03
Current PS
0.00
Overvalued PS
0.71
Undervalued PS
-0.65

Financials

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Frequently Asked Questions

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC) stock price today?

The current price of PBHC is 15.9496 USD — it has decreased -0.37

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC)'s business?

Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.

What is the price predicton of PBHC Stock?

Wall Street analysts forecast PBHC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PBHC is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC)'s revenue for the last quarter?

Pathfinder Bancorp Inc (MARYLAND) revenue for the last quarter amounts to 10.49M USD, decreased -10.41

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC)'s earnings per share (EPS) for the last quarter?

Pathfinder Bancorp Inc (MARYLAND). EPS for the last quarter amounts to 0.29 USD, decreased -21.62

How many employees does Pathfinder Bancorp Inc (MARYLAND) (PBHC). have?

Pathfinder Bancorp Inc (MARYLAND) (PBHC) has 179 emplpoyees as of July 08 2026.

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC) market cap?

Today PBHC has the market capitalization of 99.79M USD.