PBHC

Pathfinder Bancorp Inc

PBHC, USA

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.

https://www.pathfinderbank.com

Stock Price

$0.00

0%

increase compared to yesterday.

Dividend

Frequency:

Quarterly

Rate:

0.1

Next Payout:

Feb 6, 2026

Yield:

2.7875 %
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Showing 2 of 10

Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

12.43

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.54

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

-2.97 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

-0.26 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very Low

-1,288.96 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

10.65

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 18.94% of the total shares of Pathfinder Bancorp Inc

1.

AllianceBernstein L.P.

(5.7334%)

since

2025/06/30

2.

Minerva Advisors LLC

(4.2508%)

since

2025/06/30

3.

Oppenheimer & Close Inc

(1.4901%)

since

2025/06/30

4.

Fourthstone LLC

(1.299%)

since

2025/06/30

5.

Vanguard Group Inc

(0.6631%)

since

2025/06/30

6.

Susquehanna International Group, LLP

(0.6253%)

since

2025/06/30

7.

Hamilton Point Investment Advisors, LLC

(0.623%)

since

2025/06/30

8.

Advisor Group Holdings, Inc.

(0.548%)

since

2025/06/30

9.

Geode Capital Management, LLC

(0.4026%)

since

2025/06/30

10.

Vanguard Institutional Extnd Mkt Idx Tr

(0.4014%)

since

2025/07/31

11.

MONOGRAPH WEALTH ADVISORS, LLC

(0.373%)

since

2025/06/30

12.

Dimensional Fund Advisors, Inc.

(0.3617%)

since

2025/06/30

13.

CALDWELL SUTTER CAPITAL INC

(0.2395%)

since

2025/06/30

14.

Northern Trust Corp

(0.2359%)

since

2025/06/30

15.

Fidelity Extended Market Index

(0.2119%)

since

2025/07/31

16.

Bridgeway Capital Management, LLC

(0.1654%)

since

2025/06/30

17.

Bridgeway Omni Small-Cap Value N

(0.1654%)

since

2025/06/30

18.

Bridgeway Omni Small-Cap Value

(0.1654%)

since

2025/06/30

19.

DFA US Core Equity 2 I

(0.1316%)

since

2025/07/31

20.

BlackRock Inc

(0.1297%)

since

2025/06/30

21.

iShares Micro-Cap ETF

(0.1149%)

since

2025/08/31

22.

Royal Bank of Canada

(0.0951%)

since

2025/06/30

23.

Fidelity Total Market Index

(0.0782%)

since

2025/07/31

24.

DFA US Core Equity 1 I

(0.0671%)

since

2025/07/31

25.

Fidelity Series Total Market Index

(0.0534%)

since

2025/07/31

26.

Vanguard Instl Ttl Stk Mkt Idx InstlPls

(0.0523%)

since

2025/07/31

27.

Northern Trust Extended Eq Market Idx

(0.0368%)

since

2025/06/30

28.

NT Ext Equity Mkt Idx Fd - L

(0.0368%)

since

2025/06/30

29.

Spartan Extended Market Index Pool F

(0.0356%)

since

2025/07/31

30.

Vanguard U.S. Eq Idx £ Acc

(0.0265%)

since

2025/07/31

31.

Dimensional US Core Equity 2 ETF

(0.0254%)

since

2025/08/29

32.

DFA US Vector Equity I

(0.0252%)

since

2025/07/31

33.

Dimensional US Targeted Value ETF

(0.0182%)

since

2025/08/29

34.

Spartan Total Market Index Pool G

(0.0164%)

since

2025/07/31

35.

DFA US Sustainability Core 1

(0.0146%)

since

2025/07/31

36.

DFA US Targeted Value I

(0.0131%)

since

2025/07/31

37.

Morgan Stanley - Brokerage Accounts

(0.008%)

since

2025/06/30

38.

Tower Research Capital LLC

(0.0029%)

since

2025/06/30

39.

CWM, LLC duplicate

(0.0028%)

since

2025/06/30

40.

Bank of America Corp

(0.0004%)

since

2025/06/30

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

2025-12-31

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

0.097

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Potential Value Candidate(5.5)
Defensive
Moderately Defensive(6)
Dividend
Weak Dividend Profile(2)
Economic Moat
Wide Moat Company(6.8)
GARP
Not Attractive for GARP(1)
Growth
Weak Growth Prospect(1.5)
Momentum
Strong Momentum(7.5)
Net Net
Not Undervalued (Net-Net)(1)
Quality
Moderate Quality(3.5)
Value
Fair Value(6)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.