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Jun 4, 2026·SEC
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Jun 4, 2026·SEC
Material company update
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Pathfinder Bancorp, Inc.(PBHC)Earnings, Financials & Key Ratios
PBHC•NASDAQ•Banking & Credit
$16.23
Price updated Jul 2, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPathfinder 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.Show more
- Net Interest Income$44M+9.4%
- Total Revenue$79M-5.2%
- Net Income-$3M-201.0%
- Return on Equity-2.82%-200.7%
- Net Interest Margin3.1%+13.3%
- Efficiency Ratio43.69%+21.7%
- ROA-0.24%-202.4%
- Equity / Assets8.49%+3.0%
- Book Value per Share19.05-4.4%
PBHC Price & Volume
Pathfinder Bancorp, Inc. (PBHC) stock price & volume — 10-year historical chart
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Persistent Margin Compression Strains Pathfinder Bancorp Profitability
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Localized credit concentration risk
Key Thesis Takeaways
- Pathfinder Bancorp faces a challenging outlook characterized by stagnant asset growth and persistent net interest margin compression, which has consistently hovered between 0.6% and 0.8% over the last ten quarters.
- The institution's reliance on liquidating investment securities to manage liquidity, coupled with a thin equity-to-assets ratio of 0.09, suggests limited flexibility to absorb further credit volatility.
- Investors should remain cautious as the bank struggles to achieve consistent earnings, evidenced by a net loss of $7.0 million in 2025Q4 and ongoing pressure on operating efficiency.
Verdict Logic
the bank's inability to maintain consistent profitability, highlighted by a TTM P/E of -30.37, suggests significant fundamental risks that outweigh the current 2.4% dividend yield.
PBHC Growth Metrics
Pathfinder Bancorp, Inc. (PBHC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.95%
5 Years10.41%
3 Years11.99%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-193.89%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-193.28%
Return on Capital
10 Years4.03%
5 Years4.37%
3 Years2.46%
Last Year-0.51%
PBHC Recent Earnings
Pathfinder Bancorp, Inc. (PBHC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.38
—
Rev
$19M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$1.11
—
Rev
$20M
—
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.10
—
Rev
—
—
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.62
—
Rev
$18M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.38 | $19M |
| Q1 2026 | Jan 29, 2026 | $1.11 | $20M |
| Q4 2025 | Oct 30, 2025 | $0.10 | — |
| Q3 2025 | Jul 30, 2025 | $0.62 | $18M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Pathfinder Bancorp, Inc. (PBHC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $16.23 | $100.3M | -30.06 | -5.19% | -4.32% | -2.82% | 2.39% | |
| $23.95 | $230.98M | 16.40 | -9.41% | 16.49% | 8% | — | |
| $28.32 | $391.78M | 8.71 | -1.55% | 28.51% | 12.62% | — | |
| $60.24 | $480.3M | 13.54 | 6.13% | 18.69% | 13.31% | — | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $55.74 | $974.05M | 17.15 | 5.77% | 22.43% | 9.21% | — |
Compare PBHC vs Peers
Pathfinder Bancorp, Inc. (PBHC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PBHC SEC Filings & Documents
Pathfinder Bancorp, Inc. (PBHC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PBHC Frequently Asked Questions
Pathfinder Bancorp, Inc. (PBHC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Pathfinder Bancorp, Inc. growing?
Pathfinder Bancorp, Inc. (PBHC) saw revenue decline by 5.2% over the past year.
Is PBHC profitable?
Pathfinder Bancorp, Inc. (PBHC) reported a net loss of $4.0M for fiscal year 2025.
Dividend & Returns
Does PBHC pay dividends?
Yes, Pathfinder Bancorp, Inc. (PBHC) pays a dividend with a yield of 2.39%. This makes it attractive for income-focused investors.
What is PBHC's return on equity?
Pathfinder Bancorp, Inc. (PBHC) has a return on equity (ROE) of -2.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Pathfinder Bancorp, Inc.'s net interest margin?
Pathfinder Bancorp, Inc. (PBHC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Pathfinder Bancorp, Inc.'s efficiency ratio?
Pathfinder Bancorp, Inc. (PBHC) has an efficiency ratio of 43.7%. This is excellent, indicating strong cost control.