Pathfinder Bancorp, Inc. (PBHC) AI Stock Analysis

Pathfinder Bancorp, Inc., headquartered in Oswego, New York, operates as the bank holding company for Pathfinder Bank, established in 1859. The institution provides community banking and financial services to individuals, families, municipalities, and small to mid-size businesses in Oswego and Onondaga Counties, alongside an office in Oneida County. Its deposit offerings include checking, savings, money market accounts, and certificates of deposit. Pathfinder Bancorp's lending includes commercial real estate, commercial, residential mortgage and construction, municipal, and consumer loans. It also provides insurance brokerage services covering property, casualty, and life policies.

Revenue rose from $51.0M in FY2021 to $56.4M in FY2022, $71.8M in FY2023, and $83.5M in FY2024, before decreasing 5.2% to $79.1M in FY2025. Across the 5-year period from FY2020 to FY2025, revenue grew at a compound annual rate of 10.4%. Operating margin dropped from 31.4% in FY2021 to 6.2% in FY2024 and reached -5.2% in FY2025. Net income shifted from $12.4M in FY2021 to a loss of -$3.4M in FY2025, with EPS moving from $1.76 to -$0.18. In the trailing twelve months, revenue was $33.8M with a profit margin of 0.4%. For the latest quarter ended June 30, 2026, revenue increased 47.1% year-over-year, and earnings grew 8256.3%.

As of June 30, 2026, Pathfinder Bancorp held $377.5M in cash and short-term investments against $181.0M in total debt, yielding net cash of $196.6M. Total assets stood at $1.49B and shareholders' equity was $125.7M, resulting in a debt-to-equity ratio of 1.44 and a current ratio of 0.14. During FY2025, the company generated $11.3M in operating cash flow and $10.0M in free cash flow. Cash outflows included capital expenditures of $1.3M and dividends paid of $2.5M.

At the closing price of $16.70 on October 15, 2026, Pathfinder Bancorp traded at a market capitalization of $104.9M and an enterprise value of $255.9M. The forward P/E multiple is 11.3x, compared to the median of 10.8x for its US-listed Financial Services peers. The stock's price-to-sales multiple is 3.1x versus the peer median of 3.2x, while its price-to-book ratio is 0.9x. Pathfinder Bancorp's 1-year return of 12.6% trailed the 17.3% return for the S&P 500, and its 5-year return of 15.7% lagged the S&P 500 benchmark advance of 85.1%.

Pathfinder Bancorp pays a forward annual dividend of $0.40 per share, resulting in a dividend yield of 2.40% and a payout ratio of 1.8%. The company has distributed dividends for 31 consecutive years, delivering a 5-year annualized dividend growth rate of 10.8%. Dividend payments are scheduled on a quarterly basis, with the most recent ex-dividend date on October 16, 2026.

Pathfinder Bancorp does not have consensus analyst ratings, target prices, or earnings surprise track records reported in the available data. The company's next earnings release date is scheduled for October 29, 2026. For the trailing twelve months ended June 30, 2026, the company posted diluted EPS of $0.01, compared to an EPS of -$0.18 recorded in FY2025.

This page is an AI-written research summary of Pathfinder Bancorp, Inc. (PBHC). The text was generated on October 30, 2026 from Quotelinks data as of October 15, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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