Pathfinder Bancorp Inc (PBHC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 16.40 $ — 89% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.80 | 54.10 | 21 | 7.00 | 18.80 | -3 | -3 |
| 2025: Q1 | 0.61 | 40.30 | 21 | 2.90 | 14.40 | 6 | 5 |
| 2025: Q2 | 0.01 | -98.50 | 18 | -11.70 | 0.20 | -4 | -4 |
| 2025: Q3 | 0.13 | – | 21 | -6.20 | 2.90 | 7 | 8 |
| 2025: Q4 | -1.45 | -280.40 | 20 | -5.70 | -35.90 | 3 | 2 |
| 2026: Q1 | 0.49 | -18.90 | 19 | -8.80 | 12.80 | 0 | -1 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Pathfinder Bancorp, Inc. ist eine Bankholding der Pathfinder Bank, die in den USA verschiedene Bank- und Finanzprodukte und -dienstleistungen anbietet.
| Employees | 172 |
|---|---|
| Headquarters | Oswego, NY |
| Website | pathfinderbank.com |
| IPO Date | 30. May 1996 |
Management
| Name | Title | Birth Year |
|---|---|---|
| James A. Dowd CPA | President, CEO & Director | 1968 |
| Justin K. Bigham CPA | Executive VP & CFO | 1974 |
| Joseph F. Serbun | Senior Vice President & Chief Credit Officer | 1961 |
| Robert G. Butkowski Jr. | Senior VP & COO | 1976 |
| Joseph P. McManus | Senior VP & Chief Information Officer | 1982 |
| Joseph J. Polniak | First VP, General Counsel & Corporate Secretary | 1983 |
| Theresa L. Colburn | Vice President of Compliance/BSA Officer/OFAC | – |
| Erica Muscatello | Vice President of Marketing and Communications | – |
| Heather L. Vashaw | Vice President of Human Resources | – |
| William D. O'Brien | Senior VP & Chief Risk Officer | 1966 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.