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Pathfinder Bancorp(NASDAQ) PBHC

Current Price$15.96
Market Cap$99.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+776%
5 Year+12%
1 Year+8%
1 Month-0%
Pathfinder Bancorp last closing stock price
MetricPriceDate
Last closeUSD 15.972026-07-23
Pathfinder Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.5%USD 16.052026-07-16
1 month-0.19%USD 16.002026-06-23
3 month+19.92%USD 13.322026-04-24
Year to date+15.54%USD 13.822025-12-31
1 year+7.89%USD 14.802025-07-23
3 year+19.94%USD 13.312023-07-24
5 year+12.02%USD 14.262021-07-23
Since inception+776.26%USD 1.821995-11-21

Pathfinder Bancorp Financials at a Glance

Market Cap

$99.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$77.34M

Net Income (TTM)

-$3.98M

EPS (TTM)

-$0.09

P/E Ratio

-174.54

Dividend

$0.40

Beta (Volatility)

0.13 (Low)

Price

$15.96

Volume

1

Open

$15.96

Previous Close

$15.96

Daily Range

$15.96 - $15.96

52-Week Range

$12.06 - $17.40

Estimated Earnings Date

Apr 28, 2026

PBHC News

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Pathfinder (PBHC) Q2 Profit Drops

Motley Fool Markets TeamJul 31, 2025

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About Pathfinder Bancorp

Pathfinder helps people and businesses manage money and get loans locally. Loans support home buying, business growth, and community projects.

Money Moves: Pathfinder’s Main Offerings

  • Deposit Accounts: Checking, savings, and money market accounts for individuals, businesses, and municipalities. (Revenue breakdown not disclosed)
  • Commercial Loans: Loans for business real estate, equipment, and working capital, mainly for local companies. (60.4% of loan portfolio as of June 2025)
  • Residential Mortgages: Home loans and construction financing for individuals and families. (26.8% of loan portfolio as of June 2025)
  • Consumer Loans: Personal loans for cars, home improvements, and other needs. (12.9% of loan portfolio as of June 2025)
  • Municipal Loans: Lending to local governments for public projects. (Revenue breakdown not disclosed)
  • Insurance Brokerage: Property, casualty, and life insurance services. (Majority interest sold in October 2024; now a minor segment)

Pathfinder’s Plot Twists: Growth and Expansion

  • Acquired the East Syracuse branch in July 2024, expanding its local presence.
  • Sold a majority interest in its insurance agency in October 2024.
  • Sold nonperforming loans with an original principal balance of $9.3 million in July 2025.
  • Purchased $6 million in new bank-owned life insurance policies in Q2 2025.

What Makes Pathfinder Stand Out

Pathfinder focuses on serving Oswego and Onondaga Counties in New York. Its diversified loan portfolio balances commercial, residential, and consumer lending. The company manages risk with strong capital ratios and interest rate hedging strategies.

Five Things You Need to Know

  • Net interest income was $10.8 million in Q2 2025, up 14.1% year-on-year.
  • Net income fell to $31,000 in Q2 2025, down 98.45% from Q2 2024.
  • Total assets reached $1.51 billion as of June 30, 2025, up 2.1% from December 2024.
  • Commercial loans made up 60.4% of the loan portfolio in June 2025.
  • Nonperforming loan ratio dropped to 1.28% after a major loan sale in July 2025.

Bottom Line

Pathfinder has evolved by focusing on local banking, diversifying its loan book, and managing risk. The company adapts to market changes through strategic sales and targeted growth in its core region.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

175

CEO

James A. Dowd, CPA

Website

www.pathfinderbank.com

Headquarters

Oswego, NY 13126, US

PBHC Financials

Key Financial Metrics (TTM)

Gross Margin

39.02%

Operating Margin

-6.29%

Net Income Margin

-5.14%

Return on Equity

-3.21%

Return on Capital

-1.79%

Return on Assets

-0.28%

Earnings Yield

-0.57%

Dividend Yield

2.50%

Payout Ratio

-62.32%

Stock Overview

Market Cap

$99.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.26M

Volume

1

Avg. Volume

12.54K

Financials (TTM)

Gross Profit

$30.18M

Operating Income

-$4.87M

EBITDA

-$2.74M

Operating Cash Flow

$5.55M

Capital Expenditure

$116.00K

Free Cash Flow

$5.67M

Cash & ST Invst.

$286.89M

Total Debt

$75.11M

Pathfinder Bancorp Performance Analysis

Pathfinder Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 57,262,00010.4%
20232023-12-31USD 72,853,00027.2%
20242024-12-31USD 84,762,00016.3%
20252025-12-31USD 82,762,000-2.4%
Pathfinder Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-14.4%
Q32025-09-3020.2%
Q42025-12-31-7.7%
Q12026-03-31-4.0%
Pathfinder Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -0.04N/A
20232023-12-31USD -0.03-29.7%
20242024-12-31USD -0.01-64.4%
20252025-12-31USD 0.01N/A
Pathfinder Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-98.8%
Q32025-09-301900.0%
Q42025-12-31-1210.0%
Q12026-03-31134.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$18.83M

-8.8%

Gross Profit

$11.84M

-2.6%

Gross Margin

62.86%

N/A

Market Cap

$99.92MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$580.91K

N/A

Employees

172

N/A

Net Income

$2.41M

-18.9%

EBITDA

$3.58M

-18.3%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$286.89M

-14.5%

Total Debt

$75.11M

-19.2%

Accounts Receivable

$5.83M

-13.6%

Inventory

$0.00

N/A

Long Term Debt

$60.01M

-9.1%

Short Term Debt

$15.09M

-44.1%

Return on Assets

-0.28%

N/A

Return on Invested Capital

-0.35%

N/A

Free Cash Flow

-$675.00K

-113.3%

Operating Cash Flow

-$427.00K

-107.5%

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Questions About PBHC

What is the current price of Pathfinder Bancorp?

Pathfinder Bancorp is trading at $15.96 per share.

What is the 52-week range for Pathfinder Bancorp?

Over the past 52 weeks, Pathfinder Bancorp has traded between $12.06 and $17.40.

How much debt does Pathfinder Bancorp have?

As of the most recent reporting period, Pathfinder Bancorp reported total debt of $75.11M.

How much cash does Pathfinder Bancorp have on hand?

Pathfinder Bancorp does not have cash on hand data available.

What is Pathfinder Bancorp’s dividend yield?

Pathfinder Bancorp currently has a dividend yield of 2.50%.

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