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Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Pathfinder Bancorp, Inc. (PBHC) is a Banks - Regional company based in US with a market capitalization of $85M. Revenue declined 5.2% year-over-year and the company generated $10.4M in free cash flow. This page tracks PBHC's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 172 employees · IPO Nov 16, 1995

Valuation

Valuation & price

$13.49 · as of May 17, 2026 · -20.0% vs 52w high

—

P/E ratio

Latest-FY diluted EPS

0.70

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$16.32$14.24$12.16Jul 25Dec 25Jun 26Jul 7, 25$14.93Jul 9, 25$15.21Jul 11, 25$15.06Jul 15, 25$15.25Jul 17, 25$15.24Jul 21, 25$15.24Jul 23, 25$15.21Jul 25, 25$14.99Jul 29, 25$14.88Jul 31, 25$14.63Aug 4, 25$14.36Aug 6, 25$14.42Aug 8, 25$14.49Aug 12, 25$14.30Aug 14, 25$14.70Aug 19, 25$14.52Aug 21, 25$14.62Aug 25, 25$14.73Aug 27, 25$14.92Aug 29, 25$14.92Sep 3, 25$14.97Sep 5, 25$15.00Sep 9, 25$15.05Sep 11, 25$14.95Sep 15, 25$14.98Sep 17, 25$15.34Sep 19, 25$15.10Sep 23, 25$15.84Sep 25, 25$15.60Sep 29, 25$15.34Oct 2, 25$15.22Oct 6, 25$15.50Oct 8, 25$15.37Oct 10, 25$15.12Oct 14, 25$15.15Oct 16, 25$15.31Oct 20, 25$15.06Oct 22, 25$15.27Oct 24, 25$14.86Oct 28, 25$14.95Oct 30, 25$15.14Nov 3, 25$15.08Nov 5, 25$15.10Nov 7, 25$15.06Nov 11, 25$15.10Nov 14, 25$14.85Nov 18, 25$14.80Nov 20, 25$14.25Nov 24, 25$14.25Nov 26, 25$14.25Dec 1, 25$14.25Dec 3, 25$14.20Dec 5, 25$14.11Dec 9, 25$14.90Dec 11, 25$14.89Dec 15, 25$14.76Dec 17, 25$14.52Dec 19, 25$14.15Dec 23, 25$14.00Dec 26, 25$13.69Dec 31, 25$14.11Jan 5, 26$14.15Jan 7, 26$14.25Jan 9, 26$14.35Jan 13, 26$14.35Jan 15, 26$14.34Jan 20, 26$14.03Jan 22, 26$13.84Jan 26, 26$14.24Jan 28, 26$14.25Jan 30, 26$13.68Feb 3, 26$12.16Feb 5, 26$12.90Feb 9, 26$13.41Feb 11, 26$13.42Feb 17, 26$13.30Feb 19, 26$13.30Feb 23, 26$13.30Feb 25, 26$13.37Feb 27, 26$13.13Mar 3, 26$13.56Mar 5, 26$13.51Mar 9, 26$13.60Mar 11, 26$13.49Mar 13, 26$13.60Mar 17, 26$13.20Mar 19, 26$13.18Mar 23, 26$13.64Mar 25, 26$13.12Mar 27, 26$12.75Apr 1, 26$12.92Apr 6, 26$12.92Apr 8, 26$13.70Apr 10, 26$13.72Apr 14, 26$13.57Apr 16, 26$13.57Apr 20, 26$13.57Apr 22, 26$13.60Apr 24, 26$13.40Apr 28, 26$13.60Apr 30, 26$13.90May 4, 26$13.30May 6, 26$14.01May 8, 26$13.99May 12, 26$13.01May 15, 26$13.49May 19, 26$13.55May 21, 26$13.56May 26, 26$14.00May 28, 26$13.61Jun 1, 26$13.57Jun 3, 26$13.65Jun 5, 26$13.87Jun 9, 26$15.03Jun 11, 26$14.85Jun 15, 26$15.22Jun 17, 26$15.84Jun 22, 26$16.20Jun 24, 26$16.03Jun 30, 26$16.32
$12.1652-week range$16.87
Loading valuation history…

Fundamentals

Key fundamentals

$85M

Market cap

-5.2%

Revenue growth (YoY)

38.5%

Gross margin

$10.4M

Free cash flow (USD)

-$181.1M

Net debt

Net cash position

3.3%

Share dilution

1/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$28.3MFY 2017$32.6MFY 2018$37.8MFY 2019$45.9MFY 2020$48.2MFY 2021$51.0MFY 2022$56.4MFY 2023$71.8MFY 2024$83.5MFY 2025$79.1M
$28.3M$79.1M

Free cash flow by year

2016 → 2025

FY 2016$5.0MFY 2017$4.9MFY 2018$3.3MFY 2019$4.5MFY 2020$45.3MFY 2021$18.9MFY 2022$16.5MFY 2023$13.5MFY 2024$2.9MFY 2025$10.4M
$5M$10.4M

Gross margin by year

2021 → 2025

FY 202183.2%FY 202277.9%FY 202355.9%FY 202442.1%FY 202538.5%
83.2%38.5%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

2

Insider buys · 90 days

0

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 15, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • 8-K eventDividend DeclaredJun 29, 2026Filing
  • Insider buyInsider Buy $16KPolniak Joseph · FVP, General Counsel · $15.9KJun 16, 2026Filing
  • Insider buyInsider Buy $19KDowd James A. · President and CEO · $19.2KJun 4, 2026Filing
  • 8-K eventAnnual Meeting of ShareholdersJun 4, 2026Filing
  • 8-K eventAnnual Meeting ResultsJun 4, 2026Filing
  • Quarterly report10-Q FiledMay 15, 2026Filing
  • 8-K eventRegistration Rights Agreement AmendmentMay 7, 2026Filing
  • 8-K eventEarnings ReleaseApr 29, 2026Filing

Questions

Frequently asked questions

What is Pathfinder Bancorp, Inc.'s market cap?

Pathfinder Bancorp, Inc. (PBHC) has a market capitalization of $85M.

What is PBHC's P/E ratio?

A meaningful P/E ratio is not available for PBHC — the company's latest fiscal-year earnings per share is zero, negative, or not yet cached.

What is PBHC's price-to-book (P/B) ratio?

PBHC trades at 0.70 times book value per share.

Are insiders buying PBHC stock?

Yes — SEC Form 4 filings show 2 open-market insider buys and 0 sells at Pathfinder Bancorp, Inc. in the last 90 days.

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

Search the actual 10-K / 10-Q text with AI research angles

News

Latest press coverage in one feed

Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.