NASDAQ · Banks - Regional · USD

Pathfinder Bancorp, Inc. (PBHC) Stock Analysis

Pathfinder Bancorp, Inc. (PBHC) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

PBHC

$16.76

−$0.48 (−2.78%)

Oct 21, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare PBHC with… →

PBHC Key Statistics

As of Oct 21, 2026

Trading

Open: $16.76
Previous Close: $17.24
52-Week Range: 12.06–18.30
Volume: 379.00
Beta: 0.12

Valuation

Market Cap: $105.23M
P/E Ratio: 1,676.00
P/S ratio: 3.11
EPS (ttm): 0.01

Financials (FY)

Revenue (FY): $46.98M+1.88%
Net Income (FY): −$1.93M−157.14%
Profit margin: 0.42%
Shares Outstanding: 4.90M
1-Year Return: +13.24%

Dividend and dates

Dividend: $0.40+2.32%
Ex-Dividend Date: October 16, 2026
Avg Volume: 4.08K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, PBHC closed at $16.76, +13.24% over 1 year.

Pathfinder Bancorp, Inc. (PBHC) has a market capitalization of $105.23M.

In fiscal 2025, PBHC reported revenue of $46.98M.

PBHC Stock Return by Calendar Year

Pathfinder Bancorp, Inc. (PBHC) 10-year return: what $10,000 became

1 year: $10,000 $11,324; +13.24%
5 years: $10,000 $11,503; +15.03%
10 years: $10,000 $16,551; +65.51%

If you had invested $10,000 in Pathfinder Bancorp, Inc. (PBHC) 10 years ago, at the close on October 21, 2016, it would have been worth $16,551 at the close on October 21, 2026: +65.51% in total, +5.17% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+52.29%−25.09%+21.98%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+21.98%
2025	−17.27%
2024	+28.47%
2023	−25.09%
2022	+13.48%
2021	+52.29%
2020	−15.54%
2019	−9.70%
2018	+3.29%
2017	+15.81%
2016 (partial year)	+11.31%

As of October 21, 2026.

PBHC Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$46.98M	−$1.93M	−4.1%
2024	$46.11M	$3.38M	7.3%
2023	$43.08M	$9.29M	21.6%
2022	$46.66M	$12.93M	27.7%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$46.98M	—	—	−$1.93M	−4.1%
2024	$46.11M	—	—	$3.38M	7.3%
2023	$43.08M	—	—	$9.29M	21.6%
2022	$46.66M	—	—	$12.93M	27.7%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

PBHC Dividend History

’17’18’19’20’21’22’23’24’25’26*

$0.40+2.6% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.40	4	—
2025	$0.40	4	+2.6%
2024	$0.39	4	+8.3%
2023	$0.36	4	+5.9%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.40	4	—
2025	$0.40	4	+2.6%
2024	$0.39	4	+8.3%
2023	$0.36	4	+5.9%
2022	$0.34	4	+25.9%
2021	$0.27	4	+12.5%
2020	$0.24	4	+0.0%
2019	$0.24	4	+0.8%
2018	$0.24	4	+14.4%
2017	$0.21	4	—

Most recent payment: $0.10 per share, ex-dividend October 16, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

PBHC Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	PBHC	Banks - Regional median	vs median
P/E	1,676.00	12.03	139.3x the median
P/S ratio	3.11	3.58	13% below
Profit margin	0.42%	29.44%	29.0 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Pathfinder Bancorp, Inc. (PBHC) carries a market capitalisation of $105.23M. It is classified in the Banks - Regional industry, within the Financial Services sector.

The most recent close on file for PBHC is $16.76, dated October 21, 2026. That is −$0.48 (−2.78%) against the previous close. The 52-week range on file runs from $12.06 to $18.30. The latest close sits 38.97% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $46.98M. Against the prior fiscal year total of $46.11M, that is a change of +1.88%. The same year closed with a net loss of $1.93M. Profit margin runs at 0.42%. That is 29 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 0.01.

Across the 4 fiscal years on file, revenue moves from $46.66M in 2022 to $46.98M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 1,676. That is 139.3 times the Banks - Regional median of 12.03. Measured against sales, the shares trade at 3.11 times revenue. On price-to-sales that is 12.97% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Beta against the wider market is reported at 0.12. Daily returns over the trailing 10 years annualize to a volatility of 32.61%. Over the trailing twelve months the total return is +13.24%. Measured over 10 years, that is +5.17% a year compounded.

Growth & Income

The trailing dividend yield is 2.32%. That is 0.4 percentage points below the Banks - Regional median yield of 2.68%. The indicated annual rate is $0.40 a share. The ex-dividend date on file is October 16, 2026. Dividends are recorded for 10 calendar years; 2026 shows 4 payments totalling $0.40 a share. The year before, 2025, totalled $0.40 a share.

Across the complete calendar years on file, 2021 returned +52.29% and 2023 returned −25.09%. Of the 9 complete calendar years on file, 5 finished higher. 2026 is still running; the total return is +21.98% year to date.

Peer Comparison

Pathfinder Bancorp, Inc. (PBHC) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
Pathfinder Bancorp, Inc.	PBHC	$105.23M	1,676.0
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. Pathfinder Bancorp, Inc. trades at a P/E of 1,676.0.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$120.84B

HDB

HDFC Bank Limited

$116.51B

ITUB

Itaú Unibanco Holding S.A.

$106.91B

IBN

ICICI Bank Limited

$106.04B

USB

U.S. Bancorp

$92.00B

PNC

The PNC Financial Services Group, Inc.

$88.92B

View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.11T

JPM

JPMorgan Chase & Co.

$890.13B

Visa Inc.

$765.68B

Mastercard Incorporated

$545.42B

BAC

Bank of America Corporation

$358.24B

View all Financial Services stocks →

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Visit website →