Pathfinder Bancorp, Inc. (PBHC) Stock Price & Analysis
Pathfinder Bancorp, Inc. (PBHC) fell 0.74% to USD 15.9 as of July 25, 2026 at 05:27 UTC, according to Nexqual real-time market data.
PBHC last closed at USD 16.02; the session ranged USD 15.9–15.9 on volume of 801 shares. Market capitalization is $99.49M, with a 52-week range of USD 12.06–17.4 (NCM). Source: Nexqual, July 25, 2026 at 05:27 UTC.
Key Statistics (as of July 25, 2026 at 05:27 UTC)
| Price | USD 15.9 |
|---|---|
| Change | ▼ 0.74% (down) |
| Previous Close | USD 16.02 |
| Open | USD 15.9 |
| Day Range | USD 15.9 – 15.9 |
| 52-Week Range | USD 12.06 – 17.4 |
| Volume | 801 shares |
| Market Cap | $99.49M |
| Exchange | NCM |
Technical Analysis (PBHC)
Nexqual's technical model rates PBHC "NEUTRAL" based on 3 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 05:27 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 56.25 (neutral) |
| vs SMA50 | Above (USD 15.14) |
| MACD | 0.2 (positive) |
Analyst Ratings (PBHC)
Wall Street analysts rate PBHC "None", per Nexqual as of July 25, 2026 at 05:27 UTC.
| Consensus Rating | None |
|---|
Earnings (PBHC)
Source: Nexqual, July 25, 2026 at 05:27 UTC.
Financials & Fundamentals (PBHC)
| Total Revenue | $29.97M |
|---|---|
| Revenue Growth (YoY) | -4.20% |
| Gross Margin | +0.00% |
| Operating Margin | +27.13% |
| Profit Margin | -8.32% |
| ROE | -2.01% |
| Total Cash | $41.55M |
| Total Debt | $75.11M |
Source: Nexqual, July 25, 2026 at 05:27 UTC.
Financial Health Score (PBHC)
Nexqual rates Pathfinder Bancorp, Inc.'s overall financial health "Weak" across five dimensions, as of July 25, 2026 at 05:27 UTC.
| Growth | Weak — Revenue -4% YoY (latest Q), declining |
|---|---|
| Profitability | Weak — Small revenue base — building scale |
| Balance Sheet | Mixed — $42M cash vs $75M debt |
| Cash Flow | Solid — Operating cash flow $6M |
| Efficiency | Critical — ROE -2%, ROA -0.2% |
Ownership (PBHC)
| Insider Ownership | +22.99% |
|---|---|
| Institutional Ownership | +33.12% |
| Shares Outstanding | 4.88M |
| Float | 3.56M |
| Short % of Float | +0.24% |
Source: Nexqual, July 25, 2026 at 05:27 UTC.
Leadership (PBHC)
Pathfinder Bancorp, Inc. is led by James A. Dowd (age 57), President, CEO & Director, per Nexqual as of July 25, 2026 at 05:27 UTC.
| President, CEO & Director | James A. Dowd (age 57) |
|---|---|
| Executive VP & CFO | Justin K. Bigham (age 51) |
| Senior Vice President & Chief Credit Officer | Joseph F. Serbun (age 64) |
| Senior VP & COO | Robert G. Butkowski (age 49) |
| Vice President of Compliance/BSA Officer/OFAC | Theresa L. Colburn |
Major Backers & Investors (PBHC)
Notable institutional backers of Pathfinder Bancorp, Inc. include Alliancebernstein L.P., Minerva Advisors LLC, Oppenheimer & Close, LLC, according to Nexqual as of July 25, 2026 at 05:27 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Alliancebernstein L.P. | 9.72% |
| Minerva Advisors LLC | 5.38% |
| Oppenheimer & Close, LLC | 1.88% |
| Hamilton Point Investment Advisors, LLC | 0.79% |
| Susquehanna International Group, LLP | 0.41% |
| Osaic Holdings Inc. | 0.37% |
| Fidelity | 0.35% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 5.13% |
| Geode Capital | 0.47% |
| Dimensional Fund Advisors | 0.46% |
Source: Nexqual, July 25, 2026 at 05:27 UTC.
From Pathfinder Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2026-03-30)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| LSBK | Lake Shore Bancorp, Inc. | USD 17.2 | ▲ 1.12% |
| PKBK | Parke Bancorp, Inc. | USD 33.23 | ▲ 2.53% |
| PEBK | Peoples Bancorp of North Caroli | USD 43.02 | ▲ 0.47% |
| HFBL | Home Federal Bancorp, Inc. of L | USD 21.95 | ▲ 0.69% |
| SFBC | Sound Financial Bancorp, Inc. | USD 45.06 | ▼ 0.22% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 05:27 UTC. This page is informational and not investment advice.