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PBHC

BEARISH
$13.57 Live
Pathfinder Bancorp, Inc. · NASDAQ
$12.06 52W Range $16.5
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026
Market cap
$84.9M
P/E
N/A
ROE
-1.6%
Profit margin
-6.3%
Debt/Equity
N/A
Dividend yield
2.95%

AI Analysis

AI-powered fundamental assessment

Confidence
90%
PBHC exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). The company has suffered a catastrophic year-over-year revenue collapse of -95.60%, coupled with a deeply negative operating margin of -1317.49%. While the stock trades at a discount to book value (P/B 0.69), the negative ROE (-1.58%) and ROA (-0.13%) suggest this is a value trap rather than a value opportunity. The lack of analyst coverage and stagnant insider activity further increase the risk profile.

Key Strengths

Trading significantly below book value (P/B 0.69)
Maintains a dividend yield of 2.95%
Low dividend payout ratio (33.33%)
Slight positive Q/Q revenue growth (2.92%)
Small market cap may make it an acquisition target for larger regional banks

Key Risks

Catastrophic YoY revenue decline of -95.60%
Extreme operational inefficiency indicated by -1317.49% operating margin
Weak financial health as evidenced by a Piotroski F-Score of 2/9
Negative profitability across Profit Margin, ROE, and ROA
Strong bearish momentum with a 0/100 technical trend score
AI Fair Value Estimate
Based on comprehensive analysis
$12.5
-7.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
29
Weak
Value
45
Future
10
Past
20
Health
15
Dividend
55
AI Verdict
High Risk / Value Trap
Key drivers: Revenue collapse, Negative margins, Low Piotroski score, Bearish technicals
Confidence
90%
Value
45/100

Ref P/B 0.69; Graham Number unavailable due to negative earnings

Positives
  • P/B ratio of 0.69 is attractive for a bank
Watchpoints
  • Lack of earnings makes P/E and PEG ratios unavailable
  • Value is eroded by negative ROE
Future
10/100

Ref Revenue Growth (YoY) -95.60%

Positives
  • Minor Q/Q revenue uptick
Watchpoints
  • YoY revenue growth of -95.60% is unsustainable
Past
20/100

Ref Historical Price Performance

Positives
  • 5Y change is slightly positive (+1.9%)
Watchpoints
  • 1Y return is -10.1%
  • 6M return is -10.2%
Health
15/100

Ref Piotroski F-Score 2/9

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
  • Negative ROA and ROE
Dividend
55/100

Ref Yield 2.95%, Payout 33.33%

Positives
  • Consistent payout
  • Low payout ratio (33.33%)
Watchpoints
  • Dividend sustainability is questioned by negative profit margins

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$13.57

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PBHC and closest competitors.

Updated 2026-04-16
PBH
Pathfinder Bancorp, Inc.
Primary
5Y
+1.9%
3Y
-6.4%
1Y
-10.1%
6M
-10.2%
1M
+2.8%
1W
+0.4%
OCC
OFS Credit Company, Inc.
Peer
5Y
-45.3%
3Y
-39.5%
1Y
-41.6%
6M
-34.7%
1M
+5.7%
1W
+1.7%
BOT
Bank of the James Financial Group, Inc.
Peer
5Y
+68.8%
3Y
+56.9%
1Y
+39.0%
6M
+33.3%
1M
-3.0%
1W
-1.2%
KG
Kestrel Group Ltd
Peer
5Y
-84.2%
3Y
-75.1%
1Y
-37.8%
6M
-55.8%
1M
-1.0%
1W
+2.2%
PFX
PhenixFIN Corporation
Peer
5Y
+28.1%
3Y
+22.9%
1Y
-18.8%
6M
-8.8%
1M
-2.4%
1W
+1.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.69
P/S Ratio
2.78
EV/Revenue
5.19
EV/EBITDA
N/A
Market Cap
$84.9M

Profitability

Profit margins and return metrics

Profit Margin -6.34%
Operating Margin -1317.49%
Gross Margin N/A
ROE -1.58%
ROA -0.13%

Growth

Revenue and earnings growth rates

Revenue Growth -95.6%
Earnings Growth N/A
Q/Q Revenue Growth +2.92%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.22

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
-46.5%
Total Assets
$1.4B
Liabilities
$1.3B
Equity
$0.1B
Debt/Equity
10.65x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
90%

Financial Services Sector Comparison

Comparing PBHC against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
Return on Equity (ROE)
-1.58%
This Stock
vs
-0.24%
Sector Avg
+552.4% (Excellent)
Profit Margin
-6.34%
This Stock
vs
47.47%
Sector Avg
-113.4% (Weaker)
Revenue Growth
-95.6%
This Stock
vs
39.3%
Sector Avg
-343.3% (Slower)

Similar Companies

Peer comparison within the same industry

PBHC Pathfinder Bancorp, Inc.
BEARISH
Mkt Cap
$85M
P/E
-
ROE
-1.6%
Price
$13.57
OCCI OFS Credit...
BEARISH
Mkt Cap
$87M
P/E
-
ROE
-24.3%
Price
$2.98
 Compare with PBHC
BOTJ Bank of the...
NEUTRAL
Mkt Cap
$82M
P/E
10.4
ROE
10.9%
Price
$18.12
 Compare with PBHC
KG Kestrel Group Ltd
BEARISH
Mkt Cap
$88M
P/E
1.3
ROE
74.6%
Price
$11.32
 Compare with PBHC
PFX PhenixFIN Corporation
BEARISH
Mkt Cap
$82M
P/E
-
ROE
-1.9%
Price
$41.08
 Compare with PBHC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

POLNIAK JOSEPH
General Counsel
Stock Award
2026-03-31
8,000 shares
GAGAS ADAM C
Director
Option Exercise
2026-03-13
8,787 shares · $99,732
DOWD JAMES A
Chief Executive Officer
Option Exercise
2026-03-13
6,000 shares · $68,100
AYOUB DAVID A
Director
Option Exercise
2026-03-12
8,787 shares · $99,732
O BRIEN WILLIAM D
Officer
Option Exercise
2026-03-05
3,647 shares · $39,424
GAGAS ADAM C
Director
Gift
2026-03-03
1,000 shares
TASCARELLA RONALD G
Officer
Option Exercise
2026-02-27
2,109 shares · $23,937
GAGAS ADAM C
Director
Buy
2026-02-13
1,956 shares · $26,894
AYOUB DAVID A
Director
Buy
2026-02-04
425 shares · $5,453
O BRIEN WILLIAM D
Officer
Option Exercise
2026-02-04
5,000 shares · $54,050
BUTKOWSKI ROBERT G JR.
Officer
Option Exercise
2026-02-03
2,636 shares · $29,919
DOWD JAMES A
Chief Executive Officer
Option Exercise
2025-12-10
4,000 shares · $45,400
BARCLAY WILLIAM A
Director
Option Exercise
2025-11-20
4,500 shares · $51,075
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-03-30

PBHC filed an 8-K on March 30, 2026, likely to announce its first-quarter financial results.

10-K
10-K
2026-03-30

PBHC filed its 10-K annual report on March 30, 2026. Due to the lack of detailed content in the provided excerpts, specific financial highlights and risk factors are unavailable.

8-K
8-K
2026-02-27

PBHC filed an 8-K on February 27, 2026, likely to report its fourth quarter and full-year financial results.

8-K
8-K
2026-01-29

PBHC filed an 8-K on January 29, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2025-12-22
10-Q
10-Q
2025-11-14

PBHC filed its quarterly 10-Q report on November 14, 2025. Due to the limited information provided, specific financial highlights and risk factors are not available for summary.

8-K
8-K
2025-10-30

PBHC likely reported its third-quarter financial results.

8-K
8-K
2025-09-29
10-Q
10-Q
2025-08-14

PBHC filed its SEC 10-Q quarterly report on August 14, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors are unavailable for summary.

8-K
8-K
2025-07-30

PBHC filed an 8-K on July 30, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-06-30
8-K
8-K
2025-06-05
8-K
8-K
2025-06-05
10-Q
10-Q
2025-05-15
8-K
8-K
2025-04-30
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PBHC from our newsroom.

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