Pathfinder Bancorp, Inc. - Common Stock (PBHC)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — Apr 2, 2026Investment Snapshot
- Trading 60% below Graham Number ($32.56) — significant margin of safety
- Piotroski F-Score 2/9 — signs of financial weakness
- Loss-making — negative ROE of -0.8%
- Dividend yield of 3.1%
Pathfinder Bancorp, Inc. - Common Stock (PBHC) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $61 million . Key value metrics: P/E ratio 7.3, P/B ratio 0.50, Piotroski F-Score 2 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Pathfinder Bancorp, Inc. - Common Stock — Fundamental Analysis Summary
Pathfinder Bancorp, Inc. - Common Stock (PBHC) is trading 60% below its Graham Number of $32.56 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 7.3x.
On financial health, PBHC shows a weak Piotroski F-Score of 2/9, a signal of deteriorating financial health, and negative return on equity of -0.8% (sector average: 5.8%), and manageable leverage with a debt-to-equity ratio of 0.47.
StockPik's composite Value Score for PBHC is 53/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
PBHC shows earnings declining at 157%.
PBHC pays a solid dividend yield of 3.1%.