PBHC
Pathfinder Bancorp Inc
NASDAQ: PBHC · FINANCIAL SERVICES · BANKS - REGIONAL
$13.90
+2.21% today
Updated 2026-04-30
Market cap
$83.84M
P/E ratio
—
P/S ratio
2.75x
EPS (TTM)
$-0.31
Dividend yield
2.99%
52W range
$12 – $16
Volume
0.0M
WallStSmart proprietary scores
27
out of 100
Grade: F
Strong Sell
Investment rating
4.0
Growth
C6.0
Quality
B2.0
Profitability
F5.0
Valuation
C+2/9
Piotroski F-Score
Weak
1.1
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$—
—
12-Month target
$11.93
-14.17%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
X-Ray snapshot
Strengths
+ Free cash flow $1.17M — positive
Risks
- Piotroski 2/9 — weak financial health
- Altman Z 1.11 — distress zone
- Thin margins at -6.34%
- Revenue declining -95.60% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $56.36M | $71.82M | $83.48M | $79.15M | $30.49M |
| Net income | $12.93M | $9.29M | $3.38M | $-3.42M | $-7.05M |
| EPS | — | — | — | — | $-0.31 |
| Free cash flow | $16.52M | $13.47M | $2.88M | $10.42M | $1.17M |
| Profit margin | 22.95% | 12.94% | 4.05% | -4.32% | -6.34% |
Peer comparison
Smart narrative
Pathfinder Bancorp Inc trades at $13.90. Our Smart Value Score of 27/100 indicates the stock is weak. The company scores 2/9 on the Piotroski F-Score. With an Altman Z-Score of 1.11, it sits in the distress. TTM revenue stands at $30.49M. with profit margins at -6.34%.
Frequently asked questions
What is Pathfinder Bancorp Inc's stock price?
Pathfinder Bancorp Inc (PBHC) trades at $13.90.
Is Pathfinder Bancorp Inc overvalued?
Smart Value Score 27/100 (Grade F, Strong Sell).
What is the price target of Pathfinder Bancorp Inc (PBHC)?
The analyst target price is $—, representing NaN% downside from the current price of $13.90.
What is Pathfinder Bancorp Inc's revenue?
TTM revenue is $30.49M.
Piotroski F-Score?
2/9 — weak financial health.
Altman Z-Score?
1.11 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.75x
ROE-1.59%
Beta0.11
50D MA$13.36
200D MA$14.32
Shares out0.00B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—