PBHC Share Price | Pathfinder Bancorp, Inc. Stock Analysis & Recommendation

Q: What does Pathfinder Bancorp, Inc. do?

Overview:Pathfinder Bancorp, Inc. is a bank holding company operating in the Regional Banks industry, with a market cap in the micro-cap bracket.Financial Snapshot:- Most recent Net Sales: 19 Million (Quarterly Results - Mar 2025)- Most recent Net Profit: 1 Million (Quarterly Results - Mar 2025)- Market cap: USD 90.96 Million (Micro Cap)Key Metrics:- P/E: 33.00- Dividend Yield: 155.21%- Debt Equity: 0.00- Return on Equity: 2.27%- Price to Book: 0.73Contact Details:- Address: 214 W 1st St, OSWEGO NY: 13126-2550- Tel: 1 315 3430057

Q: Is Pathfinder Bancorp, Inc. technically bullish or bearish?

As of 1 October 2023, the technical data for Pathfinder Bancorp, Inc. is insufficient to form a view on whether it is bullish or bearish.

Q: Is Pathfinder Bancorp, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for Pathfinder Bancorp, Inc. has moved from very attractive to attractive. The company appears to be overvalued based on its current metrics. Key ratios include a P/E ratio of 33, a price-to-book value of 0.75, and an EV to EBITDA of 31.89. In comparison, Citizens Community Bancorp, Inc. has a P/E ratio of 13.08, indicating a significant valuation disparity.Despite a high dividend yield of 150.73%, the company's return on equity (ROE) stands at only 2.27%, which raises concerns about its profitability relative to its valuation. Furthermore, Pathfinder Bancorp's stock has underperformed against the S&P 500 across multiple periods, with a year-to-date return of -14.40% compared to the S&P 500's 16.30%. This trend reinforces the notion that the stock may be overvalued in its current state.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

8.01 k

Shareholding (Sep 2025)

FII

0.31%

Held by 5 FIIs

DII

96.51%

Held by 3 DIIs

Promoter

0.00%

What does Pathfinder Bancorp, Inc. do?

22-Jun-2025

Pathfinder Bancorp, Inc. is a micro-cap bank holding company in the Regional Banks industry, with recent net sales of $19 million and a net profit of $1 million. It has a market cap of $90.96 million and key metrics include a P/E ratio of 33.00 and a dividend yield of 155.21%.

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Is Pathfinder Bancorp, Inc. technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is insufficient technical data for Pathfinder Bancorp, Inc. to determine a bullish or bearish outlook.

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Is Pathfinder Bancorp, Inc. overvalued or undervalued?

05-Nov-2025

As of October 31, 2025, Pathfinder Bancorp, Inc. is considered attractive but overvalued, with a high P/E ratio of 33, a low ROE of 2.27%, and underperformance against the S&P 500, despite a high dividend yield of 150.73%.

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Compare Pathfinder Bancorp, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Flat results in Jun 25

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 68 Million (Micro Cap)

P/E

33.00

Industry P/E

Dividend Yield

2.78%

Debt Equity

0.00

Return on Equity

2.21%

Price to Book

0.54

Revenue and Profits:

Net Sales:

20 Million

(Quarterly Results - Sep 2025)

Net Profit:

1 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-21.84%

6 Months

-26.28%

1 Year

1.55%

2 Years

-0.53%

3 Years

-32.12%

4 Years

-16.03%

5 Years

27.8%

Pathfinder Bancorp, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

12.75%

EBIT Growth (5y)

-18.36%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

26.37%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.75

EV to EBIT

99.81

EV to EBITDA

31.89

EV to Capital Employed

0.78

EV to Sales

1.40

PEG Ratio

1.08

Dividend Yield

150.73%

ROCE (Latest)

0.78%

ROE (Latest)

2.27%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 7 Schemes (3.18%)

Foreign Institutions

Held by 5 Foreign Institutions (0.31%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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    "alert": "No Quarterly Results declared by Pathfinder Bancorp, Inc."
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Pathfinder Bancorp, Inc."
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Company CV

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

Regional Banks

Pathfinder Bancorp, Inc. is a bank holding company. The Company's primary business is its investment in Pathfinder Bank (the Bank), which is owned by the Company. The Bank is a New York-chartered stock savings bank, which is engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans and consumer loans. The Bank invests a portion of its assets in securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds and equity securities. The Bank also invests in mortgage-backed securities primarily issued or guaranteed by United States Government sponsored enterprises and collateralized mortgage obligations. The Bank's principal sources of funds are deposits.

Company Coordinates

Company Details

214 W 1st St , OSWEGO NY : 13126-2550

Tel: 1 315 34300571 315 3430057

Registrar Details

Pathfinder Bancorp, Inc.

1Day

52 Week

CASH

FII

DII

Promoter

What does Pathfinder Bancorp, Inc. do?

Watch in Real-Time

Is Pathfinder Bancorp, Inc. technically bullish or bearish?

Is Pathfinder Bancorp, Inc. overvalued or undervalued?

Compare Pathfinder Bancorp, Inc. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

Flat results in Jun 25

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

About Pathfinder Bancorp, Inc.

Company Coordinates