What is PBHC's P/E ratio?

PATHFINDER BANCORP INC (PBHC) currently trades at a P/E ratio of 28.73.

PATHFINDER BANCORP INC reports a Return on Equity (ROE) of -3.22%.

What is PBHC's dividend yield?

PATHFINDER BANCORP INC offers a dividend yield of 2.93%.

What is PBHC's Deepscope Quality Score?

Deepscope rates PBHC's overall financial quality at 0 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy PBHC?

Deepscope's AI Timing Score for PBHC is 5 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does PBHC belong to?

PATHFINDER BANCORP INC is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange.

PBHC (NASDAQ) Stock Analysis | PATHFINDER BANCORP INC

Stock Check Daily update data at 9:30 AM
(Price: 2026-06-05 | FS: 2026-03-31)

PBHC

PATHFINDER BANCORP INC

USD 13.87

-0.23 (-1.67%) Day Change

Watchlist Portfolio Compare Chart

28.73

P/E

0.47

D/E

-3.2%

ROE

-0.3%

ROA

2.93%

Div Yield

-0.29

PEG

PATHFINDER BANCORP INC
TYPE: STOCK
MARKET: NASDAQ

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USD 13.87 Price -0.23 (-1.67%) Day Change	NEWS SCORE: 87

PBHC, the overall quality is not good ( Quality = 0) and the timing to buy is ...(Sign In to See)...

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0 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
Negative growth of ROE in the last year.
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Net profit margin is relatively low.
Net profit margin is relatively low.
Acceleration of net profit margin growth rate is below our criteria
Historical net profit margin is relatively low.
Historical net profit margin is relatively low.

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Lorem ipsum dolor sit amet

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not good , and ability to make profit is not quite good , ...

Quality Factors

42%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	87
Magic Formula Rank by ROA	N/A
Magic Formula Rank by ROE	N/A
Magic Formula Rank by ROIC	N/A
Price	13.87
PBV / Sector	0.71 / 1.15 GREAT
Earning Per Share	-0.63

PE / Sector	28.73 / 12.90
PEG or PE/Growth / Sector	-0.29 / 0.62
Average 1M Daily Value	0.07 M GREAT
Average 1W Daily Value	0.05 M GREAT

Timing Factors

85%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

47%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

52%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	-5.14 / 18.84
NPM Average (%) / Sector	6.10 / 19,649.48
NPM Change Average (%) / Sector	-74.92 / -14.03
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	-0.28 / 1.13
ROA Average (%) / Sector	0.25 / 1.09
ROA Change Average (%) / Sector	-70.75 / -15.55
ROE (%) / Sector	-3.22 / 10.39
ROE Average (%) / Sector	3.23 / 10.17
ROE Change Average (%) / Sector	-71.23 / -12.58
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

41%

Dividend (%) / Sector	2.93 / 2.83
Dividend Average (%) / Sector	2.55 / 3.78
Dividend Change Average (%) / Sector	13.07 / 3.56 GOOD

Registration Details

Analyze Date	2026-06-06 09:09:06
Symbol	PBHC
Name	PATHFINDER BANCORP INC
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	4.88 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	88.22 / 5,945.69

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 214 West First Street, Oswego, NY, United States, 13126

Phone: 315 343 0057

Website: https://www.pathfinderbank.com

Employees: 172

Sector: Financial Services >> Banks - Regional

Description: Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.