Pathfinder Bancorp, Inc. (PBHC)Financial Services | Banks - Regional | Oswego, United States | NasdaqCM
13.57 USD
Short-term: ★★☆☆☆ | Long-term: ★☆☆☆☆ | Dividends: ★★★☆☆ |
Hot Take | April 11, 2026, 3:59 p.m. EDT
PBHC shows a weak short-term momentum with a recent price dip and a negative forecast for the next 45 days. The stock has been in a downtrend, with recent prices hovering near the 52-week low. The dividend yield is relatively high, but the payout ratio is low, suggesting that dividends are not a primary concern for the company. However, the negative earnings and profit margins, along with a low return on assets and equity, indicate poor financial health. The stock's low market cap and high debt-to-equity ratio suggest it's a risky investment. Long-term investors should be cautious due to the lack of growth and potential for further declines. While the dividend is consistent, it's not a strong enough incentive to justify the risk. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.036115 |
| AutoETS | 0.052170 |
| AutoARIMA | 0.052310 |
| MSTL | 0.055921 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 56% |
| H-stat | 0.88 |
| Ljung-Box p | 0.001 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 2.46 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-04-16 |
| Last Dividend Date | 2026-04-16 |
| Revenue per Share | 4.952 |
| Market Cap | 84,900,648 |
| Beta | 0.11 |
| Profit Margins | -6.34% |
| Website | https://www.pathfinderbank.com |
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.74% | 3.45% | 2.97% | 2.47% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-04-17 | 0.100000 | 0.736920 |
| 2026-01-16 | 0.100000 | 0.702527 |
| 2025-10-17 | 0.100000 | 0.673638 |
| 2025-07-18 | 0.100000 | 0.669619 |
| 2025-04-17 | 0.100000 | 0.663170 |
| 2025-01-17 | 0.100000 | 0.627784 |
| 2024-10-18 | 0.100000 | 0.550489 |
| 2024-07-19 | 0.100000 | 0.698217 |
| 2024-04-18 | 0.100000 | 0.878208 |
| 2024-01-11 | 0.090000 | 0.722320 |
| 2023-10-19 | 0.090000 | 0.713770 |
| 2023-07-20 | 0.090000 | 0.647104 |
| 2023-04-21 | 0.090000 | 0.611446 |
| 2023-01-13 | 0.090000 | 0.513587 |
| 2022-10-13 | 0.090000 | 0.481734 |
| 2022-07-14 | 0.090000 | 0.517779 |
| 2022-04-21 | 0.090000 | 0.497569 |
| 2022-01-13 | 0.070000 | 0.456861 |
| 2021-10-14 | 0.070000 | 0.479285 |
| 2021-07-15 | 0.070000 | 0.490396 |
| 2021-04-14 | 0.070000 | 0.500058 |
| 2021-01-14 | 0.060000 | 0.553589 |
| 2020-10-15 | 0.060000 | 0.639841 |
| 2020-07-16 | 0.060000 | 0.685277 |
| 2020-04-15 | 0.060000 | 0.725802 |
| 2020-01-16 | 0.060000 | 0.501339 |
| 2019-10-17 | 0.060000 | 0.537695 |
| 2019-07-18 | 0.060000 | 0.498275 |
| 2019-04-17 | 0.060000 | 0.530896 |
| 2019-01-17 | 0.060000 | 0.486927 |
| 2018-10-18 | 0.060000 | 0.469174 |
| 2018-07-19 | 0.060000 | 0.454795 |
| 2018-04-19 | 0.060000 | 0.460963 |
| 2018-01-11 | 0.058000 | 0.453231 |
| 2017-10-12 | 0.055000 | 0.437138 |
| 2017-07-12 | 0.053000 | 0.415894 |
| 2017-04-11 | 0.050000 | 0.412558 |
| 2017-01-11 | 0.050000 | 0.452598 |
| 2016-10-12 | 0.050000 | 0.493318 |
| 2016-07-14 | 0.050000 | 0.533868 |
| 2016-04-14 | 0.050000 | 0.533816 |
| 2016-01-07 | 0.050000 | 0.485104 |
| 2015-10-09 | 0.050000 | 0.555152 |
| 2015-07-13 | 0.030000 | 0.314313 |
| 2015-04-13 | 0.030000 | 0.371444 |
| 2015-01-13 | 0.030000 | 0.379715 |
| 2014-10-10 | 0.018215 | 0.224658 |
| 2014-07-11 | 0.018215 | 0.251318 |
| 2014-04-11 | 0.018215 | 0.258208 |
| 2014-01-13 | 0.018215 | 0.280396 |
| 2013-10-10 | 0.018215 | 0.281020 |
| 2013-07-11 | 0.018215 | 0.289142 |
| 2013-04-11 | 0.018215 | 0.282919 |
| 2013-01-09 | 0.018215 | 0.370818 |
| 2012-10-10 | 0.018215 | 0.350786 |
| 2012-07-11 | 0.018215 | 0.415257 |
| 2012-04-11 | 0.018215 | 0.406930 |
| 2012-01-11 | 0.018215 | 0.419292 |
| 2011-10-12 | 0.018215 | 0.431458 |
| 2011-07-13 | 0.018215 | 0.441747 |
| 2011-04-12 | 0.018215 | 0.382852 |
| 2011-01-12 | 0.018215 | 0.461320 |
| 2010-10-13 | 0.018215 | 0.491967 |
| 2010-07-13 | 0.018215 | 0.657605 |
| 2010-04-13 | 0.018215 | 0.505154 |
| 2010-01-12 | 0.018215 | 0.623930 |
| 2009-10-13 | 0.018215 | 0.571354 |
| 2009-07-13 | 0.018215 | 0.523516 |
| 2009-05-13 | 0.018215 | 0.553535 |
| 2009-01-14 | 0.062538 | 2.229031 |
| 2008-10-10 | 0.062538 | 1.914174 |
| 2008-07-11 | 0.062538 | 2.081758 |
| 2008-04-11 | 0.062538 | 1.330528 |
| 2008-01-09 | 0.062538 | 1.206430 |
| 2007-10-10 | 0.062538 | 1.427711 |
| 2007-07-11 | 0.062538 | 1.217646 |
| 2007-04-11 | 0.062538 | 1.139819 |
| 2007-01-10 | 0.062538 | 1.161903 |
| 2006-10-11 | 0.062538 | 1.065385 |
| 2006-07-12 | 0.062538 | 1.279309 |
| 2006-04-11 | 0.062538 | 1.298912 |
| 2006-01-11 | 0.062538 | 1.209377 |
| 2005-10-12 | 0.062538 | 1.219035 |
| 2005-07-01 | 0.062538 | 1.129704 |
| 2005-03-29 | 0.062538 | 0.931692 |
| 2004-12-29 | 0.062538 | 0.971981 |
| 2004-10-04 | 0.061324 | 0.997347 |
| 2004-07-09 | 0.060716 | 1.033049 |
| 2004-03-29 | 0.060716 | 0.867403 |
| 2003-12-29 | 0.060716 | 0.876851 |
| 2003-10-09 | 0.060716 | 1.005384 |
| 2003-06-26 | 0.060716 | 1.111756 |
| 2003-03-27 | 0.060716 | 1.146741 |
| 2002-12-27 | 0.048573 | 0.907315 |
| 2002-09-26 | 0.048573 | 1.069351 |
| 2002-06-26 | 0.042502 | 0.896261 |
| 2002-03-26 | 0.042502 | 0.909347 |
| 2001-12-27 | 0.042502 | 0.896928 |
| 2001-09-26 | 0.042502 | 0.893556 |
| 2001-06-27 | 0.036430 | 1.150991 |
| 2001-03-28 | 0.036430 | 1.527904 |
| 2000-12-27 | 0.036430 | 1.913719 |
| 2000-09-27 | 0.036430 | 1.414537 |
| 2000-03-29 | 0.036430 | 1.325683 |
| 2000-01-24 | 0.036430 | 1.337144 |
| 1999-10-18 | 0.036430 | 1.150231 |
| 1999-07-26 | 0.036430 | 1.337219 |
| 1999-03-29 | 0.036430 | 1.042451 |
| 1999-01-15 | 0.030358 | 0.884219 |
| 1998-09-28 | 0.030358 | 0.709134 |
| 1998-07-14 | 0.030358 | 0.430573 |
| 1998-03-27 | 0.030358 | 0.431600 |
| 1997-12-29 | 0.028334 | 0.434034 |
| 1997-10-01 | 0.028334 | 0.589898 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.10488129 |
| Address1 | 214 West First Street |
| All Time High | 21.99 |
| All Time Low | 2.884032 |
| Ask | 13.74 |
| Ask Size | 1 |
| Average Daily Volume10 Day | 3,020 |
| Average Daily Volume3 Month | 2,535 |
| Average Volume | 2,535 |
| Average Volume10Days | 3,020 |
| Beta | 0.113 |
| Bid | 13.5 |
| Bid Size | 1 |
| Book Value | 19.556 |
| City | Oswego |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 13.57 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 13.57 |
| Day Low | 13.57 |
| Display Name | Pathfinder Bancorp |
| Dividend Date | 1,778,198,400 |
| Dividend Rate | 0.4 |
| Dividend Yield | 2.95 |
| Earnings Timestamp End | 1,754,049,600 |
| Earnings Timestamp Start | 1,753,700,340 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 5.187 |
| Enterprise Value | 158,147,648 |
| Eps Trailing Twelve Months | -0.31 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,776,384,000 |
| Exchange | NCM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 13.3394 |
| Fifty Day Average Change | 0.2305994 |
| Fifty Day Average Change Percent | 0.017287089 |
| Fifty Two Week Change Percent | -10.488129 |
| Fifty Two Week High | 16.5 |
| Fifty Two Week High Change | -2.9300003 |
| Fifty Two Week High Change Percent | -0.17757578 |
| Fifty Two Week Low | 12.06 |
| Fifty Two Week Low Change | 1.5099993 |
| Fifty Two Week Low Change Percent | 0.12520723 |
| Fifty Two Week Range | 12.06 - 16.5 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 816,532,200,000 |
| Five Year Avg Dividend Yield | 2.25 |
| Float Shares | 3,541,802 |
| Full Exchange Name | NasdaqCM |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.0 |
| Gross Profits | 30,488,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.21932 |
| Held Percent Institutions | 0.33441 |
| Implied Shares Outstanding | 6,256,496 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,776,384,000 |
| Last Dividend Value | 0.1 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,413,504,000 |
| Last Split Factor | 1,647:1000 |
| Long Business Summary | 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 also involved in the property, casualty, and life insurance brokerage business. It 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. |
| Long Name | Pathfinder Bancorp, Inc. |
| Market | us_market |
| Market Cap | 84,900,648 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_391124 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | -1,895,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 84,900,650 |
| Open | 13.57 |
| Operating Cashflow | 11,677,000 |
| Operating Margins | -13.17488 |
| Payout Ratio | 0.33330002 |
| Phone | 315 343 0057 |
| Previous Close | 13.57 |
| Price Hint | 2 |
| Price To Book | 0.6939047 |
| Price To Sales Trailing12 Months | 2.7847235 |
| Profit Margins | -0.0634 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.0 |
| Regular Market Change Percent | 0.0 |
| Regular Market Day High | 13.57 |
| Regular Market Day Low | 13.57 |
| Regular Market Day Range | 13.57 - 13.57 |
| Regular Market Open | 13.57 |
| Regular Market Previous Close | 13.57 |
| Regular Market Price | 13.57 |
| Regular Market Time | 1,776,369,600 |
| Regular Market Volume | 116 |
| Return On Assets | -0.00133 |
| Return On Equity | -0.01585 |
| Revenue Growth | -0.956 |
| Revenue Per Share | 4.952 |
| Sand P52 Week Change | 0.38150132 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 4,876,213 |
| Shares Percent Shares Out | 0.0011 |
| Shares Short | 6,793 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 4,847 |
| Short Name | Pathfinder Bancorp, Inc. |
| Short Percent Of Float | 0.0016 |
| Short Ratio | 2.34 |
| Source Interval | 15 |
| State | NY |
| Symbol | PBHC |
| Total Cash | 32,676,000 |
| Total Cash Per Share | 5.223 |
| Total Debt | 105,923,000 |
| Total Revenue | 30,488,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.4 |
| Trailing Annual Dividend Yield | 0.029476788 |
| Trailing Eps | -0.31 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 14.36725 |
| Two Hundred Day Average Change | -0.79725075 |
| Two Hundred Day Average Change Percent | -0.055490837 |
| Type Disp | Equity |
| Volume | 116 |
| Website | https://www.pathfinderbank.com |
| Zip | 13,126 |