Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHC·NASDAQ

$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
pbhc

Pathfinder Bancorp, Inc. Street Expectations Map

PBHC · NASDAQ

No Target Data

No analyst price targets available for pbhc.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of Revenue

PBHC · NASDAQ
Latest Revenue
79.15M
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of Net Income

PBHC · NASDAQ
Latest Net Income
-3.42M
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of EPS

PBHC · NASDAQ
Latest EPS
-0.54
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of EBIT

PBHC · NASDAQ
Latest EBIT
-4.09M
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of EBITDA

PBHC · NASDAQ
Latest EBITDA
-1.94M
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Forward Estimates of SG&A Expense

PBHC · NASDAQ
Latest SG&A Expense
19.76M
FY 2025
Avg Estimate
N/A
FY N/A
Estimate Range
N/A - N/A
Analyst Spread

Forward Growth Analysis

OutlookCautious

Analyst skepticism evident—carefully evaluate risks before investment decisions.

pbhc

Pathfinder Bancorp, Inc. Insider Positioning

PBHC · NASDAQ

During the last 12 months, insiders have purchased $32K and sold $69K worth of PBHC shares, resulting in $36K of net selling activity.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

2.4K

32.34K

Sold

0

0.00

Net Activity

+32K

+$32K

6-9 Months

Bought

0

0.00

Sold

3.0K

34.05K

Net Activity

-34K

-$34K

9-12 Months

Bought

0

0.00

Sold

3.1K

34.56K

Net Activity

-35K

-$35K

Top Buyers

1
GAC

Gagas Adam C.

Director

2.0K shares2 transactions

$27K

2
ADA

Ayoub David A.

Director

425 shares1 transactions

$5K

Top Sellers

1
GAC

Gagas Adam C.

Director

3.1K shares1 transactions

$35K

2
DJA

Dowd James A.

Officer: President And Ceo

3.0K shares1 transactions

$34K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Negative insider sentiment with $36K net selling. Selling notably exceeds buying, warranting closer scrutiny of company fundamentals.

Buy/Sell Ratio

0.47:1

Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.

Insider Participation

Balanced

2 insider buyers and 2 sellers. Equal participation suggests mixed or neutral insider views.