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PBHC NASDAQ US

Pathfinder Bancorp, Inc. - Common Stock

Financials · Banking Website · IPO Nov 1954
$12.92
▲ +$0.00 (+0.00%)
9
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$87.1M
P/E
38.4
ROE
1.8%
Margin
22.3%
D/E
37.59
Beta
0.12
Div Yield
2.83%
52W
$13–$18

Price Chart

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Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 — $-1.11 —
Sep 2024 — $-0.75 —
Jun 2024 — $0.32 —
Mar 2024 — $0.34 —

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 1.9% 3.5% 1.8% 1.8% 1.8% 1.8%
P/E (TTM) 32.20 21.05 42.56 40.85 38.79 38.41
Net Margin — 22.3% 22.3% 22.3% 22.3% 22.3%
Gross Margin — — — — — —
D/E Ratio 37.59 37.48 37.59 37.59 37.59 37.59
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.2%
P/S (TTM)
1.31
P/B
0.7
EPS (TTM)
$0.37
CF/Share
$1.90
Rev Growth 3Y
+7.0%
52W High
$17.60
52W Low
$13.35
$13.35 52-Week Range $17.60

How does PBHC compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

PBHC ACNB AFBI AMAL AROW

PBHC valuation vs Banking peers

P/E ratio
38.4
▲ 206% above peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.3
▼ 43% below peers (2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.7
▼ 35% below peers (1.1)
vs Peers
vs Industry
Undervalued
Div yield
2.8%
▼ 5% below peers (3.0%)
vs Peers
vs Industry
Low yield

PBHC profitability vs Banking peers

ROE
1.9%
▼ 79% below peers (9.0%)
vs Peers
vs Industry
Weak
Net margin
22.3%
▼ 22% below peers (28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.2%
▼ 84% below peers (1.0%)
vs Peers
vs Industry
Weak

PBHC financial health vs Banking peers

D/E ratio
37.6
▲ 172% above peers (13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.1
▼ 83% below peers (0.7)
vs Peers
vs Industry
More volatile

PBHC fundamentals radar

PBHC Peer median Industry

PBHC profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

PBHC vs peers: key metrics

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