PATHFINDER BANCORP INC
PBHCNASDAQTrading Snapshot
- Day Range
- $16.13 – $16.35
- 52-Week Range
- $12.06 – $17.40
- Volume
- $2.61B
- Avg Volume
- $3.46B
- Shares Outstanding
- 4.9M
- Next Earnings
- Sep 23, 2026
Fundamentals Snapshot
- Annual Revenue
- $79M
- Last Q Revenue
- $19M
- P/E Ratio
- —
- P/S Ratio
- 1.3x
- EPS (TTM)
- $-0.41
- Dividend Yield
- 2.45%
Why Investors Own PBHC
- ✓High-growth profile — revenue up -8.5% YoY with expanding US Equity exposure.
- ✓Healthy economics — 62% gross margin and 26% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
About PATHFINDER BANCORP INC
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.