Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHCยทNASDAQ

$13.65

+0.59%
Financial ServicesBanks - Regional

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

At a Glance

Live Snapshot
Market Cap$84.35M
EPS-0.5400
P/E Ratio-25.28
Earnings Date04/29/2026
0.78%
Dividend Yield
-33%
3Y+15.0%
5Y+44.0%
10Y+68.0%
25.77%
Dividend Payout Ratio
-276%
3Y+23.0%
5Y+57.0%
10Y-2.0%
3Y+91.0%
5Y+191.0%
10Y+286.0%
Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. Dividend History

PBHC ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

PBHC Dividend Payment History

PBHC ยท NASDAQ

Total Payments

50

Latest Dividend

$0.1000

Annual Amount

$0.5000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Mar 30, 2026
Apr 17, 2026May 8, 2026
$0.1000
$0.1000
Quarterly0.00%
Dec 22, 2025
Jan 16, 2026Feb 6, 2026
$0.1000
$0.1000
Quarterly0.00%
Sep 29, 2025
Oct 17, 2025Nov 7, 2025
$0.1000
$0.1000
Quarterly0.00%
Jun 30, 2025
Jul 18, 2025Aug 8, 2025
$0.1000
$0.1000
Quarterly0.00%
Mar 31, 2025
Apr 18, 2025May 9, 2025
$0.1000
$0.1000
Quarterly0.00%
Dec 23, 2024
Jan 17, 2025Feb 7, 2025
$0.1000
$0.1000
Quarterly0.00%
Sep 30, 2024
Oct 18, 2024Nov 8, 2024
$0.1000
$0.1000
Quarterly0.00%
Jul 1, 2024
Jul 19, 2024Aug 9, 2024
$0.1000
$0.1000
Quarterly0.00%
Apr 1, 2024
Apr 19, 2024May 10, 2024
$0.1000
$0.1000
Quarterly+11.11%
Dec 26, 2023
Jan 12, 2024Feb 2, 2024
$0.0900
$0.0900
Quarterly0.00%
Oct 2, 2023
Oct 20, 2023Nov 10, 2023
$0.0900
$0.0900
Quarterly0.00%
Jul 3, 2023
Jul 21, 2023Aug 11, 2023
$0.0900
$0.0900
Quarterly0.00%
Apr 3, 2023
Apr 24, 2023May 19, 2023
$0.0900
$0.0900
Quarterly0.00%
Dec 27, 2022
Jan 17, 2023Feb 10, 2023
$0.0900
$0.0900
Quarterly0.00%
Sep 26, 2022
Oct 14, 2022Nov 11, 2022
$0.0900
$0.0900
Quarterly0.00%
Jun 24, 2022
Jul 15, 2022Aug 12, 2022
$0.0900
$0.0900
Quarterly0.00%
Mar 28, 2022
Apr 22, 2022May 6, 2022
$0.0900
$0.0900
Quarterly+28.57%
Dec 20, 2021
Jan 14, 2022Feb 4, 2022
$0.0700
$0.0700
Quarterly0.00%
Sep 27, 2021
Oct 15, 2021Nov 5, 2021
$0.0700
$0.0700
Quarterly0.00%
Jun 28, 2021
Jul 16, 2021Aug 13, 2021
$0.0700
$0.0700
Quarterly0.00%
Mar 29, 2021
Apr 15, 2021May 7, 2021
$0.0700
$0.0700
Quarterly+16.67%
Dec 21, 2020
Jan 15, 2021Feb 5, 2021
$0.0600
$0.0600
Quarterly0.00%
Sep 21, 2020
Oct 16, 2020Nov 6, 2020
$0.0600
$0.0600
Quarterly0.00%
Jun 30, 2020
Jul 17, 2020Aug 14, 2020
$0.0600
$0.0600
Quarterly0.00%
Mar 20, 2020
Apr 16, 2020May 8, 2020
$0.0600
$0.0600
Quarterly0.00%
Dec 23, 2019
Jan 17, 2020Feb 7, 2020
$0.0600
$0.0600
Quarterly0.00%
Sep 20, 2019
Oct 18, 2019Nov 8, 2019
$0.0600
$0.0600
Quarterly0.00%
Jun 20, 2019
Jul 19, 2019Aug 9, 2019
$0.0600
$0.0600
Quarterly0.00%
Mar 28, 2019
Apr 18, 2019May 10, 2019
$0.0600
$0.0600
Quarterly0.00%
Dec 20, 2018
Jan 18, 2019Feb 8, 2019
$0.0600
$0.0600
Quarterly0.00%
Sep 27, 2018
Oct 19, 2018Nov 9, 2018
$0.0600
$0.0600
Quarterly0.00%
Jun 28, 2018
Jul 20, 2018Aug 10, 2018
$0.0600
$0.0600
Quarterly0.00%
Mar 29, 2018
Apr 20, 2018May 11, 2018
$0.0600
$0.0600
Quarterly+3.45%
Dec 22, 2017
Jan 12, 2018Feb 2, 2018
$0.0580
$0.0580
Quarterly+5.45%
Sep 29, 2017
Oct 13, 2017Nov 3, 2017
$0.0550
$0.0550
Quarterly+5.77%
Jul 5, 2017
Jul 14, 2017Aug 4, 2017
$0.0520
$0.0520
Quarterly+4.00%
Mar 31, 2017
Apr 14, 2017May 5, 2017
$0.0500
$0.0500
Quarterly0.00%
Dec 20, 2016
Jan 13, 2017Feb 3, 2017
$0.0500
$0.0500
Quarterly0.00%
Sep 30, 2016
Oct 14, 2016Nov 4, 2016
$0.0500
$0.0500
Quarterly0.00%
Jul 11, 2016
Jul 18, 2016Aug 8, 2016
$0.0500
$0.0500
Quarterly0.00%
Apr 4, 2016
Apr 18, 2016May 9, 2016
$0.0500
$0.0500
Quarterly0.00%
Dec 24, 2015
Jan 11, 2016Feb 1, 2016
$0.0500
$0.0500
Quarterly0.00%
Sep 25, 2015
Oct 14, 2015Nov 3, 2015
$0.0500
$0.0500
Quarterly+66.67%
Jul 1, 2015
Jul 15, 2015Aug 3, 2015
$0.0300
$0.0300
Quarterly0.00%
Mar 31, 2015
Apr 15, 2015May 4, 2015
$0.0300
$0.0300
Quarterly0.00%
Dec 26, 2014
Jan 15, 2015Feb 2, 2015
$0.0300
$0.0300
Quarterly+66.67%
Sep 29, 2014
Oct 15, 2014Nov 4, 2014
$0.0300
$0.0180
Quarterly0.00%
Jun 27, 2014
Jul 15, 2014Aug 4, 2014
$0.0300
$0.0180
Quarterly0.00%
Mar 28, 2014
Apr 15, 2014May 5, 2014
$0.0300
$0.0180
Quarterly0.00%
Dec 26, 2013
Jan 15, 2014Feb 7, 2014
$0.0300
$0.0180
Quarterly-
pbhc

Pathfinder Bancorp, Inc. Payout Ratio Analysis

PBHC ยท NASDAQ
Dividends Paid
-2.46M
2025
Net Income
-3.42M
2025
Payout Ratio
-71.99%
2025

Dividend Sustainability Analysis

Payout Ratio
-71.99%

Negative payout ratio indicates the company is either not paying dividends or has negative earnings. Not a dividend-paying stock currently.

FCF Payout Ratio
23.6%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-3.4%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Fair

Dividend sustainability questionable. Monitor closely for signs of stress. Consider whether yield justifies the risk.