Pathfinder Bancorp Inc

PBHCNASDAQ • USD
17.19 USD
↗ 0.08 (0.48%)🔴AT CLOSE (AS OF 04:15 PM EDT)
🔴Market: CLOSED

Shares of Pathfinder Bancorp Inc (PBHC) are trading at $17.19. Both sides of the analysis agree: technicals flash "Buy" and fundamentals confirm with a "Buy" reading. Key drivers include a bullish Golden Cross on the moving averages and bullish moving average alignment. On the valuation side, PBHC appears attractively valued relative to sector peers across key multiples.

Technical & fundamental data as of Oct 26, 2026.

Open?$16.80
High?$16.80
Low?$16.80
Prev. Close?$16.72
Volume?595
Avg. Volume?2.2K
VWAP?$17.21
Rel. Volume?0.27x
Bid / Ask
Bid?$6.72 × 200
Ask?$26.88 × 200
Spread?$20.16
Midpoint?$16.80
Valuation & Ratios
Market Cap?105.5M
Shares Out?4.9M
Float?3.1M
Float %?63.9%
P/E Ratio?737.63
P/B Ratio?0.84
EPS?$0.02
Dividend?2.40%
Ex-Dividend?N/A
News
Profile
Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source of income is interest on loans and investment securities.
Employees
187
Market Cap
105.0M
Industry
STATE COMMERCIAL BANKS
Listed
1996-05-30
Address
214 WEST FIRST STREET
OSWEGO, NY 13126
Phone: (315) 343-0057
Technical OutlookBuy
Strong SellNeutralStrong Buy
Long-Term (Tide)?– Neutral(0/3)
Medium-Term (Wave)?▲ Bullish(+1/3)
Short-Term (Ripple)?– Neutral(0/3)
MA Alignment?Golden Alignment
Full Technical Analysis →
Fundamental OutlookBuy
Strong SellNeutralStrong Buy
F-Score?
60
Z-Score?
50
Momentum?
77
Short Sent.?
57
Piotroski F-Score?5/9Mixed
Confidence?66%Moderate
Full Fundamental Analysis →
Short InterestHigh
Short % of Float?0.28%Low
Short Interest?8.6K
Days to Cover?5.6
Free Float3.1M
Avg Daily Volume1.5K
Settlement Date2026-10-15
Financial Health
Current Ratio?1.20Adequate
Quick Ratio?1.20Adequate
Cash Ratio?0.09Low
Debt/Equity?1.30Moderate
ValuationATTRACTIVELY VALUEDvs 1 peers + S&P 500
Score
83/100
P/E?
Peers
100
S&P
3
737.6PRICEY▾
P/B?
Peers
100
S&P
97
0.84CHEAP▾
P/S?
Peers
100
S&P
81
1.34CHEAP▾
P/FCF?
Peers
100
S&P
90
9.6CHEAP▾
EV/EBITDA?
S&P
97
-155.8CHEAP▾
EV/Sales?
Peers
100
S&P
57
3.27FAIR▾
Returns & Efficiency
ROE?
Peers
50
S&P
15
0.1%WEAK▾
ROA?
Peers
50
S&P
8
0.0%WEAK▾
Cash Flow & Enterprise
FCF?$11.0M
Enterprise Value?$257.6M
Fundamentals ratios updated end of day