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PBHC

Pathfinder Bancorp, Inc.Closed

16.71−0.25 −1.47%USD

NasdaqCM · as of Oct 12, 16:00 ET · 15m delay

Open

17.03

Prev close

16.96

Day range

16.7117.03

52-week range

12.0618.30

Volume

5.67K1.20×

Mkt cap

104.92M

P/E ttm

1671.00

Fwd P/E

—

EPS ttm

0.0100

Div yield

2.39%

Earnings

—

From 52w high

−8.69%

Price Chart

Yahoo Finance · delayed

PBHCOct 12, 2026O 16.92H 17.03L 16.71C 16.71−0.25 (−1.47%)Vol 5.70K

SMA 5016.69
SMA 20014.81

1Y change +10.52% since Oct 10, 2025 close539 bars loadedTimes in America/New_YorkDraw from the left toolbar · click a drawing to edit · right-click for alerts and export

PBHC Pathfinder Bancorp, Inc. · Last Guard Finance

DES

Key Statistics

Yahoo Finance

Performance

1 week: −1.07%
1 month: −2.91%
3 months: +2.52%
6 months: +24.61%
Year to date: +18.43%
1 year: +10.52%

Valuation & ownership

Market cap: 104.92M
Enterprise value: 255.96M
P/E (ttm): 1671.00
Forward P/E: —
PEG ratio: —
Price / book: 0.83
Price / sales (ttm): 3.11
EV / EBITDA: —
EPS (ttm): 0.0100
EPS (forward): —
Beta (5y monthly): 0.12
Dividend yield: 2.39%
Payout ratio: 4000.00%
Shares outstanding: 4.90M
Float: 3.59M
Short % of float: 0.22%
Short ratio (days): 2.13
Held by insiders: 21.96%
Held by institutions: 33.04%
Avg volume (3m): 4.71K
50-day average: 16.69
200-day average: 14.81
52-week change: +10.52%
S&P 500 52-week: +17.50%

Technicals (daily)

RSI (14): 47.0
vs 50-day SMA: +0.14%
vs 200-day SMA: +12.80%
50 / 200-day trend: ▲ 50 above 200
MACD vs signal: ▼ below
ATR (14) % of price: 2.54%
Realised vol (20d, ann.): 46.3%
From 52-week high: −8.69%
From 52-week low: +38.56%

ANR

Analyst Consensus

No analyst coverage for this instrument.

Financial Snapshot

Full statements →trailing twelve months

Revenue (ttm): 33.79M
Revenue growth (yoy): +47.10%
Earnings growth (yoy): +8,256.30%
Gross margin: 0.00%
Operating margin: 29.40%
Profit margin: 0.42%

DES

About Pathfinder Bancorp, Inc.

Yahoo Finance profile

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 is also involved in the property, casualty, and life insurance brokerage business. The company 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.

Sector: Financial Services
Industry: Banks - Regional
Headquarters: Oswego, NY, United States
Website: pathfinderbank.com
Officers: Mr. James A. Dowd CPA President, CEO & Director
Mr. Justin K. Bigham CPA Executive VP & CFO
Mr. Joseph F. Serbun Senior Vice President & Chief Credit Officer
Mr. Robert G. Butkowski Jr. Senior VP & COO

SEAS

Seasonality · PBHC

2007–2026 · monthly returns

Strongest month Jul +5.07%Weakest month Jun −3.14%Averages use completed years only. Past seasonality doesn't predict future returns.

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2026	-3.0	-4.0	-2.8	8.9	-1.4	15.9	3.0	-3.9	7.4	-1.0			+18.4%
2025	-4.7	2.5	-3.9	-16.6	10.9	0.9	-4.6	2.0	5.1	-4.2	-6.8	0.8	−19.4%
2024	-0.4	-16.8	6.7	2.7	-0.8	4.5	23.6	-2.6	-0.3	9.0	-0.9	2.3	+24.9%
2023	-0.7	2.2	-11.1	-10.9	-12.4	4.7	9.6	-14.0	3.8	-6.4	-1.9	10.6	−26.8%
2022	0.3	1.2	26.1	-7.5	-5.1	3.3	-2.5	1.1	3.6	-8.5	2.0	0.8	+11.5%
2021	5.0	23.2	-1.3	1.0	1.4	6.4	0.2	1.0	0.2	2.3	1.3	2.2	+49.6%
2020	0.4	1.1	-24.2	-6.6	4.3	-8.4	-2.5	2.3	8.3	-2.4	13.3	0.8	−17.4%
2019	-9.3	2.1	-10.0	6.1	17.3	-10.5	-8.7	-0.7	1.8	-3.2	3.1	3.7	−11.2%
2018	0.9	-1.9	1.3	3.0	-0.4	0.8	-4.2	2.3	-3.8	1.7	-3.7	6.2	+1.7%
2017	5.0	4.6	-1.4	2.7	2.0	2.6	-3.1	-1.1	1.7	1.0	-1.5	1.2	+14.2%
2016	-4.0	-3.6	-7.8	2.5	2.0	-2.3	7.3	0.6	0.0	0.1	4.6	6.0	+4.6%
2015	0.8	0.2	0.7	5.3	8.3	3.4	-2.9	-4.4	1.6	-0.7	8.9	7.5	+31.6%
2014	6.7	0.0	0.0	3.1	0.9	-3.3	3.4	-5.3	5.3	4.5	1.8	1.4	+19.6%
2013	1.9	11.8	10.3	6.3	-4.5	0.0	21.7	-12.5	-7.5	4.4	-5.5	5.6	+31.1%
2012	3.5	-0.8	6.6	-3.1	-4.8	0.0	11.8	2.4	3.4	-2.3	1.9	-2.8	+15.6%
2011	-1.2	7.0	12.9	-2.8	-3.7	-6.6	12.6	-8.8	-5.9	-0.8	12.0	-6.4	+4.8%
2010	17.1	-16.2	42.7	-10.8	-10.0	-4.8	0.0	0.0	33.3	-14.5	18.4	4.9	+51.8%
2009	-13.9	10.0	-19.8	51.6	9.7	-24.1	20.8	-10.9	18.3	-8.4	-14.3	-6.7	−10.4%
2008	22.0	-16.0	7.0	-23.0	11.0	-23.4	30.1	5.6	-10.5	-17.0	-13.2	-4.0	−39.0%
2007	4.3	-5.0	0.5	-7.5	2.4	-3.0	-16.2	9.8	-10.8	2.7	4.5	-2.4	−21.4%

INSD

Insider Activity · PBHC

Congress trades →SEC Form 4 filings via Yahoo Finance

Buys, 6 months

0 shares

Sells, 6 months

— shares

Net shares

Net change in insider shares

—

Date	Insider	Transaction	Shares	Value
Jun 14, 2026	Polniak JosephGeneral Counsel	Purchase at price 15.88 per share.	1K	$15.88K
Jun 1, 2026	Dowd James AChief Executive Officer	Purchase at price 13.68 per share.	1.4K	$19.16K
May 3, 2026	Dowd James AChief Executive Officer	Conversion of Exercise of derivative security at price 11.35 per share.	2.8K	$31.96K
May 3, 2026	Littlejohn MelanieDirector	Conversion of Exercise of derivative security at price 11.35 per share.	8.8K	$99.73K
May 3, 2026	O Brien William DOfficer	Conversion of Exercise of derivative security at price 11.35 per share.	7.9K	$89.76K
Mar 30, 2026	Polniak JosephGeneral Counsel	Stock Award(Grant) at price 0.00 per share.	8K	—
Mar 12, 2026	Dowd James AChief Executive Officer	Conversion of Exercise of derivative security at price 11.35 per share.	6K	$68.10K
Mar 12, 2026	Gagas Adam CDirector	Conversion of Exercise of derivative security at price 11.35 per share.	8.8K	$99.73K
Mar 11, 2026	Ayoub David ADirector	Conversion of Exercise of derivative security at price 11.35 per share.	8.8K	$99.73K
Mar 4, 2026	O Brien William DOfficer	Conversion of Exercise of derivative security at price 10.81 per share.	3.6K	$39.42K
Mar 2, 2026	Gagas Adam CDirector	Stock Gift at price 0.00 per share.	1K	—
Feb 26, 2026	Tascarella Ronald GOfficer	Conversion of Exercise of derivative security at price 11.35 per share.	2.1K	$23.94K
Feb 12, 2026	Gagas Adam CDirector	Purchase at price 13.50 - 13.75 per share.	2K	$26.89K
Feb 3, 2026	Ayoub David ADirector	Purchase at price 12.83 per share.	425	$5.45K
Feb 3, 2026	O Brien William DOfficer	Conversion of Exercise of derivative security at price 10.81 per share.	5K	$54.05K
Feb 2, 2026	Butkowski Robert G Jr.Officer	Conversion of Exercise of derivative security at price 11.35 per share.	2.6K	$29.92K
Dec 9, 2025	Dowd James AChief Executive Officer	Conversion of Exercise of derivative security at price 11.35 per share.	4K	$45.40K
Nov 19, 2025	Barclay William ADirector	Conversion of Exercise of derivative security at price 11.35 per share.	4.5K	$51.08K
Sep 11, 2025	Dowd James AChief Executive Officer	Conversion of Exercise of derivative security at price 11.35 per share.	3K	$34.05K
Aug 27, 2025	Gagas Adam CDirector	Conversion of Exercise of derivative security at price 11.09 per share.	3.1K	$34.56K

PBHC

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PBHC

Price Chart

Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

Financial Snapshot

About Pathfinder Bancorp, Inc.

Seasonality · PBHC

Insider Activity · PBHC

Congress Trades · PBHC

Congress Trades · PBHC

Insider Activity · PBHC

Seasonality · PBHC

Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

Financial Snapshot

About Pathfinder Bancorp, Inc.

Earnings & Dividends

News