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Pathfinder Bancorp, Inc.

PBHC Financial Banks Regional

Pathfinder Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.1 million, down 9.98% from fiscal 2024. In the quarter to June 2026, revenue grew 9.22%, EPS was flat, free cash flow grew 155.1% and total debt fell 60.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

17.08 0.38 +2.28%
Market cap
$106.5M
P/E
0.0×
Fwd P/E
—
Dividend yield
2.93%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 2 — — — 2 — — — —
Sell — — — — — — — — — — — —
Insider Ownership 47.53%

Capital & Financial Ratios $m

Market Cap 106.48
Revenue 78.77
Net Income 0.14
Free Cash Flow 11.01
Net Debt (30.82)
Current Ratio 0.69
Debt/Equity 0.07
P/E ratio 0.00
Fwd P/E —
P/S ratio 1.36
P/B ratio 0.85
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 44.08%
10-year low 10-year high
P/B against its own 10 years 59.53%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate 0.50
Annual Dividend Yield 2.93%
total individual payouts
2026 0.40
0.10
0.10
0.10
0.10
2025 0.40
0.10
0.10
0.10
0.10
2024 0.39
0.09
0.10
0.10
0.10
2023 0.36
0.09
0.09
0.09
0.09
2022 0.34
0.07
0.09
0.09
0.09
2021 0.27
0.06
0.07
0.07
0.07
2020 0.24
0.06
0.06
0.06
0.06
2019 0.24
0.06
0.06
0.06
0.06
2018 0.24
0.06
0.06
0.06
0.06
2017 0.26
0.05
0.05
0.05
0.05
0.06
2016 0.20
0.05
0.05
0.05
0.05
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 61 40 40 39
Receivables — — — —
Inventory — — — —
Other — — — —
949 949 919 913
2023 2024 2025 Q'26
Payables 1,120 1,205 1,184 1,174
ST’ Debt — — — —
Other — — — —
1,278 1,296 1,258 1,330

Compound Annual Growth %

10y 5y 3y
Sales 11.95% 10.07% 11.56%
Cash Flow 6.35% (24.17%) (18.70%)
Earnings 0.00% 0.00% 0.00%
Book Value 5.57% 4.62% 3.15%

Revenue $m

Mar Jun Sep Dec Year
’26 19 19 — — —
’25 21 18 21 20 79
’24 20 20 23 24 88
’23 17 18 19 20 73
’22 13 13 15 17 57
’21 13 14 13 13 52
’20 13 12 12 12 49
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 2 — — —
’25 6 (4) 7 3 12
’24 1 2 12 (3) 11
’23 6 (4) 5 8 15
’22 4 3 5 10 22
’21 3 5 7 4 20
’20 38 2 5 1 47
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 0 2 — — —
’25 5 (4) 7 2 10
’24 0 1 8 (3) 6
’23 6 (5) 4 8 13
’22 3 2 5 10 21
’21 3 5 11 0 19
’20 38 2 4 2 45
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.42 — — —
’25 0.41 0.00 0.10 (1.11) (0.31)
’24 0.34 0.32 (0.75) 0.69 0.60
’23 0.43 0.32 0.35 0.41 1.51
’22 0.49 0.54 0.52 0.58 2.13
’21 0.36 0.50 0.56 0.64 2.07
’20 0.29 0.31 0.25 0.33 1.17
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 10.76 12.73 13.45 12.55 9.08 11.36 17.00 11.91 11.41 13.35

Analyst estimates 2026–2028

Powerpack
High 13.90 16.00 16.64 16.25 14.50 17.39 21.99 19.70 19.86 17.60
People
People Employees 139 144 163 163 183 173 174 174 186 187
Revenue/emp, $m 0.20 0.23 0.24 0.29 0.27 0.30 0.33 0.42 0.47 0.42
Income, $m
Income, $m Revenue 28 33 39 47 49 52 57 73 88 79
Gross margin, % 86.55 81.22 76.60 71.02 77.82 85.53 82.99 60.55 57.50 59.17
EBT 4 4 5 5 8 16 16 12 5 (4)
EBT margin, % 15.59 12.97 11.79 11.68 17.03 30.75 27.52 16.18 5.87 (5.17)
Net income 3 3 4 4 7 12 13 9 3 (2)
Depreciation 3 3 3 3 4 6 4 3 1 2
Per share, $
Per share, $ Revenue 6.89 8.21 9.27 10.46 10.63 9.97 9.60 12.08 14.43 12.86
Earnings 0.79 0.74 0.94 0.80 1.17 2.07 2.13 1.51 0.60 (0.31)
Cash flow 1.55 1.68 2.15 1.82 10.10 3.86 3.66 2.56 1.84 1.90
Capex (0.33) (0.48) (1.36) (0.81) (0.27) (0.19) (0.15) (0.33) (0.87) (0.20)
Free cash flow 1.22 1.19 0.79 1.01 9.83 3.67 3.51 2.23 0.97 1.69
Book value 14.22 15.23 15.45 20.31 21.21 21.18 18.79 19.93 19.93 19.89
Shares, m 4 4 4 4 5 5 6 6 6 6
Valuation, ×
Valuation, × P/E 16.64 18.59 16.31 18.05 9.73 8.34 8.99 9.25 29.17 0.00
P/S 1.93 1.86 1.69 1.33 1.08 1.72 1.99 1.16 1.21 1.10
P/B 0.94 1.00 1.01 0.68 0.54 0.81 1.02 0.70 0.88 0.71
EV/Sales 1.63 2.38 2.90 2.24 1.66 2.16 2.21 1.01 1.06 0.77
EV/FCF 9.18 16.41 33.94 23.10 1.79 5.86 6.06 5.46 7.69 5.87
Cash, $m
Cash, $m Operating cash flow 6 7 9 8 47 20 22 15 11 12
Capex (1) (2) (6) (4) (1) (1) (1) (2) (5) (1)
Free cash flow 5 5 3 5 45 19 21 13 6 10
Balance, $m
Balance, $m Working capital (154) (167) (133) (121) (173) (231) (285) (329) (347) (339)
Total debt 17 43 80 68 78 65 56 50 27 14
Net debt (9) 17 47 42 28 23 13 (11) (13) (26)
Shareholders’ equity 58 62 64 91 98 111 112 120 121 122
Returns, %
Returns, % ROA 0.47 0.43 0.44 0.35 0.47 0.74 0.72 0.49 0.17 (0.10)
ROIC 5.55 3.41 2.56 2.56 4.14 7.51 7.90 6.73 2.98 (2.64)
ROE 5.59 5.79 6.37 4.61 5.74 8.92 8.75 6.06 2.12 (1.20)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Pathfinder Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSBK Bogota Financial Corporation $116.5M 43.4× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
WSBK Winchester Bancorp, Inc. $116.0M 26.4× — +16.83% (above 0%: growing) — −44.14% (below 0%: shrinking) 52.64% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $113.0M 5.6× 6.5× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.9M 17.4× 13.1× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.6M 8.8× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $111.8M 13.9× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
BYFC Broadway Financial Corporation $107.2M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $106.5M — (loss-making) — +9.22% (above 0%: growing) n/m +155.06% (above 0%: growing) 60.96% 0.00%
PNBK Patriot National Bancorp Inc. $105.1M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
Median of peers $112.7M 15.7× 12.6× +12.65% +29.03% +38.69% 62.78% 0.00%

All 323 Banks Regional stocks →

Pathfinder Bancorp, Inc. (PBHC) key facts

  • Concern: Pathfinder Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.1 million, down 9.98% from fiscal 2024.
  • Pathfinder Bancorp, Inc. (PBHC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, PBHC traded at $17.08, a market capitalization of $106.5 million.
  • Pathfinder Bancorp, Inc. pays an annual dividend of $0.50 per share, a yield of 2.93%.
  • Return on equity was −1.20% and debt-to-equity 0.07.
  • Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Pathfinder Bancorp, Inc. (PBHC) Latest News

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stockrow.com/PBHC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com