Indicators
Indicators
Value
Direction
MACD(12,26,9)
-0.055
Neutral
RSI(14)
48.975
Neutral
STOCH(KDJ)(9,3,3)
66.263
Neutral
ATR(14)
0.549
High Vlolatility
CCI(14)
-70.991
Neutral
Williams %R
43.182
Buy
TRIX(12,20)
0.063
Sell
StochRSI(14)
52.887
Sell
Search
Pathfinder Bancorp Inc (MARYLAND)
PBHCAdd to Watchlist
13.490USD
-0.830-5.95%
Close 05/15, 16:00（ET）Quotes delayed by 15 min
65.78MMarket Cap
LossP/E TTM
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: 2026-05-15Key Insights
Pathfinder Bancorp Inc (MARYLAND)'s fundamentals are relatively stable, with an industry-leading ESG disclosure.and its growth potential is significant.Its valuation is considered fairly valued, ranking 202 out of 394 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
Pathfinder Bancorp Inc (MARYLAND)'s Score
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 0.68, at a low 3-year percentile range.
Institutional Buying
The latest institutional holdings are 1.76M shares, increasing 0.30% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 0.00 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: 2026-05-15The current financial score of Pathfinder Bancorp Inc (MARYLAND) is 7.30, ranking 203 out of 394 in the Banking Services industry. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 9.68M, representing a year-over-year decrease of 17.39%, while its net profit experienced a year-over-year decrease of 6.86%.
Score
Financials
4.90
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
Operational Efficiency
7.57
Growth Potential
5.50
Shareholder Returns
8.51
Pathfinder Bancorp Inc (MARYLAND)'s Company Valuation
Currency: USD Updated: 2026-05-15The current valuation score of Pathfinder Bancorp Inc (MARYLAND) is 7.40, ranking 249 out of 394 in the Banking Services industry. Its current P/E ratio is -61.62, which is -222.17% below the recent high of 75.28 and -4.52% above the recent low of -64.40.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 202/394
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2026-05-15No earnings forecast score is currently available for Pathfinder Bancorp Inc (MARYLAND). The Banking Services industry's average is 7.30.
Score
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: 2026-05-15The current price momentum score of Pathfinder Bancorp Inc (MARYLAND) is 7.21, ranking 70 out of 394 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 14.33 and the support level at 12.57, making it suitable for range-bound swing trading.
Score
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.
Moving Average
Indicators
Value
Direction
MA5
13.424
Buy
MA10
13.640
Sell
MA20
13.626
Sell
MA50
13.465
Buy
MA100
13.609
Sell
MA200
14.223
Sell
Institutional Confidence
Currency: USD Updated: 2026-05-15The current institutional shareholding score of Pathfinder Bancorp Inc (MARYLAND) is 3.00, ranking 252 out of 394 in the Banking Services industry. The latest institutional shareholding proportion is 36.18%, representing a quarter-over-quarter decrease of 0.07%. The largest institutional shareholder is The Vanguard, holding a total of 0.00 shares, representing 0.00% of shares outstanding, with 100.00% decrease in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Risk Assessment
Currency: USD Updated: 2026-05-15The 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 357 out of 394 in the Banking Services industry. The company's beta value is 0.17. 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.
Score
Beta vs S&P 500 index
0.16
VaR
+3.60%
240-Day Maximum Drawdown
+23.23%
240-Day Volatility
+36.82%
Return
Best Daily Return
60 days
+6.02%
120 days
+7.73%
5 years
+15.80%
Worst Daily Return
60 days
-7.01%
120 days
-11.56%
5 years
-12.25%
Sharpe Ratio
60 days
+0.31
120 days
-0.09
5 years
+0.41
Risk Assessment
Maximum Drawdown
240 days
+23.23%
3 years
+35.70%
5 years
+100.00%
Return-to-Drawdown Ratio
240 days
-0.37
3 years
-0.03
5 years
-0.03
Skewness
240 days
-0.55
3 years
+0.78
5 years
+0.61
Volatility
Realised Volatility
240 days
+36.82%
5 years
--
Standardised True Range
240 days
+2.52%
5 years
+3.20%
Downside Risk-Adjusted Return
120 days
-11.52%
240 days
-11.52%
Maximum Daily Upside Volatility
60 days
+33.41%
Maximum Daily Downside Volatility
60 days
+40.76%
Liquidity
Average Turnover Rate
60 days
+0.05%
120 days
+0.04%
5 years
--
Turnover Deviation
20 days
-22.95%
60 days
-32.33%
120 days
-36.96%
Peer Comparison
Banking Services
Pathfinder Bancorp Inc (MARYLAND)
PBHC
5.05 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Royal Bank of Canada
RY
8.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Prosperity Bancshares Inc
PB
8.47 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.42 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Synchrony Financial
SYF
8.38 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.38 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
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