Pathfinder Bancorp, Inc. (PBHC) Stock

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. is led by CEO James A. Dowd, employs 172 people, headquartered in US, publicly traded since 1995.

Pathfinder Bancorp, Inc. (PBHC) stock trades at $16.72 with a market capitalization of $104.98M. The stock is valued at a negative price-to-earnings (P/E) ratio of -27.55, reflecting a net loss over the last twelve months, price-to-book of 0.67, price-to-sales of 1.38. Over the past 52 weeks the stock has ranged between $12.06 and $18.30, and currently trades 8.6% below its 52-week high. It pays a dividend yielding 2.29%.

On profitability, Pathfinder Bancorp, Inc. generates a return on equity (ROE) of -1.08% (negative, reflecting a net loss), return on capital employed of -0.12%, an operating margin of -5.06%, a net profit margin of -1.70%.

Pathfinder Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Pathfinder Bancorp, Inc. reported revenue of $28.0M rising to $79.0M, a change of +182.1% across 10 years. Compounded, revenue has grown 10.5% a year over five years, 12.2% over three, -4.8% over the last twelve months. Net profit fell to $-3.0M.

Operating margin went from 15.6% in 2016 to -5.2% in 2025, a fall of 20.8 percentage points. The most recent net margin is -1.70%. On a trailing twelve-month basis to Jun '26, revenue is $79.0M and net profit $-1.0M.

Borrowings rose from $74.0M to $107.0M, cash from operations was $11.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 6.0% over five years, and was -2.5% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Pathfinder Bancorp, Inc. (PBHC) — frequently asked questions