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Pathfinder Bancorp Inc (MARYLAND)

PBHC

12.970USD

+0.070+0.54%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

80.23MMarket Cap

LossP/E TTM



Pathfinder Bancorp Inc (MARYLAND)

12.970

+0.070+0.54%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Pathfinder Bancorp Inc (MARYLAND)

Currency: USD Updated: 2026-02-06

Key Insights

Pathfinder Bancorp Inc (MARYLAND)'s fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is significant.Its valuation is considered fairly valued, ranking 237 out of 397 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to trend down.

Pathfinder Bancorp Inc (MARYLAND)'s Score

Industry at a Glance

Industry Ranking

237 / 397

Overall Ranking

508 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

Pathfinder Bancorp Inc (MARYLAND) Highlights

StrengthsRisks

Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 15.63% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 46.54M.

Turnaround to Loss

The company's performance has turned to a loss, with the latest annual loss of USD .

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 95.13%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 95.13%.

Undervalued

The company’s latest PB is 0.66, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 1.74M shares, decreasing 0.20% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 135.24K shares of this stock.

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Pathfinder Bancorp Inc (MARYLAND) is 7.45, ranking 205 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 11.31M, representing a year-over-year increase of 5.66%, while its net profit experienced a year-over-year increase of 337.95%.

Score

Industry at a Glance

Previous score

7.45

Change



Financials

6.05

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

7.54

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

5.16

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.49

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Pathfinder Bancorp Inc (MARYLAND)'s Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Pathfinder Bancorp Inc (MARYLAND) is 7.40, ranking 255 out of 397 in the Banking Services industry. Its current P/E ratio is -23.37, which is -422.10% below the recent high of 75.28 and -1.00% above the recent low of -23.60.

Score

Industry at a Glance

Previous score

7.40

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 237/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for Pathfinder Bancorp Inc (MARYLAND). The Banking Services industry's average is 7.33.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

No price momentum score is currently available for Pathfinder Bancorp Inc (MARYLAND). The Banking Services industry's average is 8.62.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.271

Sell

RSI(14)

39.067

Neutral

STOCH(KDJ)(9,3,3)

36.847

Neutral

ATR(14)

0.392

High Vlolatility

CCI(14)

-111.835

Sell

Williams %R

60.001

Sell

TRIX(12,20)

-0.260

Sell

StochRSI(14)

88.883

Buy

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

12.976

Sell

MA10

13.553

Sell

MA20

13.862

Sell

MA50

14.063

Sell

MA100

14.580

Sell

MA200

14.763

Sell

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Pathfinder Bancorp Inc (MARYLAND) is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 36.20%, representing a quarter-over-quarter increase of 12.99%. The largest institutional shareholder is The Vanguard, holding a total of 135.24K shares, representing 2.81% of shares outstanding, with 255.62% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

AllianceBernstein L.P.

485.48K

+8.84%

Castle Creek Capital LLC

468.49K

+14.29%

Pathfinder Bank ESOP

344.64K

-9.33%

Minerva Advisors LLC

262.20K

Gagas (Adam C)

192.26K

+1.65%

The Vanguard Group, Inc.

Star Investors

39.98K

-2.26%

Oppenheimer + Close, LLC

91.92K

Barclay (William A)

90.75K

+5.22%

Fourthstone LLC

87.23K

+8.87%

Stemple (Lloyd)

71.57K

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Pathfinder Bancorp Inc (MARYLAND) is 3.70, ranking 366 out of 397 in the Banking Services industry. The company's beta value is 0.10. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.