Pathfinder Bancorp, Inc. (PBHC) Stock

Pathfinder Bancorp, Inc. (PBHC) is a Financials stock trading at $16.10 (as of 2026-08-21), with a market capitalization of $76.40M and a trailing P/E of 534.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Pathfinder Bancorp, Inc. is a bank holding company for Pathfinder Bank, providing deposit products, loans across categories such as commercial and residential real estate, consumer and municipal lending, and insurance brokerage services. It serves customers primarily in Oswego and Onondaga Counties, New York, through full-service offices and a limited-purpose office.

Understand Pathfinder Bancorp, Inc.: how it makes money

Pathfinder Bancorp is a bank holding company for Pathfinder Bank, taking deposits and originating loans (including commercial real estate, commercial, and residential real estate and construction) primarily in Oswego and Onondaga Counties, New York, earning money primarily from the spread between interest earned on loans and the cost of funding through deposits.

As a traditional bank, its profit model is driven by generating interest income on its loan portfolio using customer deposits for funding, then protecting that spread by managing credit losses (reflected in its allowance for credit losses and charge-off metrics).

Business quality (Weak): Clear operating focus on deposits and loan credit quality, but the bear case centers on lending risk because the loan portfolio includes multiple real estate and commercial categories.

Valuation: At 34× earnings, PBHC trades 173% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Deposit funding base: Core Deposits are 0.99 USD_B (quarter ended 2026-03-31), supporting the bank’s ability to fund its lending activities.
  • Credit risk controls are measurable: The company reports credit-cost indicators, including an allowance for credit losses of 3.24% of loans and Net Loan Charge Offs of 0.02% of average loans.

Bear case

  • Loan mix includes real estate and commercial lending: The loan portfolio comprises commercial real estate loans and multiple residential real estate and construction categories, which can raise sensitivity to property and borrower conditions.
  • Local footprint risk: The company operates primarily in Oswego and Onondaga Counties, New York, so local economic or credit trends could matter more than for a more geographically diversified lender.
Valuation — source: SEC EDGAR (first-party)
Price$16.10
Market Cap$76.40M
P/E Ratio534.3
Price / Book0.61
Price / Sales1.04
FCF Yield14.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$76.65M
Net Margin-2.5%
Revenue Growth (YoY)-5.8%
FCF Growth (YoY)-155.1%
Valuation vs Sector & Industry
Stock P/E534.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector3438.6%
vs Industry4019.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Insider Buys (12mo)2
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($6.68M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames A. Dowd
Employees172
CountryUS
IPO Date1995-11-16

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PBHC earnings history · PBHC institutional & insider holders · PBHC KPIs & operating metrics · PBHC financials · PBHC investor presentations & press releases · PBHC SEC filings · PBHC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.