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PBHCPBHCFinancial Services · Banks - Regional

PBHC Stock Forecast: Pathfinder Bancorp, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026
$17
+0.06% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 29 of 100 as at 12 Sept 2026 — in the lower half.

Market cap
$108.1M
Ticker Nerd rank
29 / 100
Median analyst target
—
Analysts covering
0
Revenue$11.8M+26.7% y/y
Net income$2.7M
Free cash flow$2.2M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+10.3%
1M
+5.9%
YTD
+24.6%
1Y
+18.3%
From 52W high
0.0%
From 52W low
+43.5%
$12
$17
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

PBHC stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Pathfinder Bancorp, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 12 Sept 2026
29 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Volatility
75
Size
75
Accruals
60
Momentum
49
Value
42
Growth
40
Issuance
34
Revisions
25
Quality
13

Volatility (75): The share price has been relatively steady.

Quality (13): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

PBHC stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PBHC, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$12$13$14$15$16$17Oct 25Jan 26Apr 26Jul 26PBHC

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. PBHC appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

PBHC vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Pathfinder Bancorp, Inc. returned +18.3% against +17.5% for the S&P 500, dividends included.

PBHC vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120Oct 25Jan 26Apr 26Jul 26PBHCS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

PBHC analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

Pathfinder Bancorp, Inc. (PBHC) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
1721.0×

Cheaper than 1% of US stocks

Price / sales
3.2×

Cheaper than 39% of US stocks

Price / book
0.9×

Cheaper than 77% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
47.1%

Higher than 85% of US stocks

Earnings growth (YoY)
8506.5%

Higher than 99% of US stocks

Gross margin
—
Operating margin
29.4%

Higher than 87% of US stocks

Net margin
0.4%

Higher than 48% of US stocks

Returns & dividend
Return on equity
0.1%

Higher than 44% of US stocks

Return on assets
0.0%

Higher than 43% of US stocks

Dividend yield
2.3%

Higher than 51% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Pathfinder Bancorp, Inc. (PBHC) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Pathfinder Bancorp, Inc. has a market value of $108.1M and an enterprise value of $259.1M.

  • Revenue in the twelve months to 30 June 2026: $48.3M. The latest quarter grew 47.1% year on year.

  • Net income over the same four quarters: $143K, a 0.3% net margin.

  • Diluted earnings per share, trailing twelve months: $−0.22.

  • Free cash flow in the twelve months to 30 June 2026: $11.0M.

  • Pathfinder Bancorp, Inc. spent $2.5M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 6.3M.

  • Trailing P/E: 1721.0×.

  • Forward dividend yield: 2.29%, paying out 4000% of earnings.

  • Pathfinder Bancorp, Inc. employs 172 people — $281K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

PBHC vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
PBHCPathfinder Bancorp, Inc.$108.1M
29
BYFCBroadway Financial Corp. (California)$108.8M
27
OPHCOptimumBank Holdings, Inc.$110.3M
79
RVSBRiverview Bancorp, Inc.$110.8M
45
FNWBFirst Northwest Bancorp (Washington)$98.9M
64
FDSBFifth District Bancorp, Inc.$97.5M
38
WSBKWinchester Bancorp, Inc.$116.1M
25

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Pathfinder Bancorp, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest PBHC news & analysis

Pathfinder Bancorp, Inc. Announces Financial Results for the Second Quarter of 2026

GlobeNewsWire · 30 July 2026positive

Pathfinder Bancorp reported earnings of $0.42 per share for the second quarter of 2026, citing stable credit performance, disciplined loan and deposit pricing, and incremental net interest income from deploying underutilized liquidity into its AFS securities portfolio.

Why it matters — The results give PBHC watchers a look into the bank's recent profitability, credit quality, and how it is managing its balance sheet to generate additional income.

FAQ

Frequently asked questions about PBHC stock

How does Ticker Nerd's model rank PBHC?

As at 12 Sept 2026, Pathfinder Bancorp, Inc. ranks 29 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Volatility (75 of 100).

What is the PBHC stock forecast for 2030?

No analyst covering Pathfinder Bancorp, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PBHC are extrapolating price history, which says nothing about the business.

How has PBHC stock performed over the past year?

Pathfinder Bancorp, Inc. returned +18.3% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Pathfinder Bancorp, Inc. do?

Pathfinder Bancorp Inc. is a bank holding company that operates through Pathfinder Bank, providing a broad range of banking and financial services to individuals, families, small to mid-size businesses, and municipalities.

What is the latest news on PBHC?

The most recent item we track (GlobeNewsWire, 30 July 2026): "Pathfinder Bancorp, Inc. Announces Financial Results for the Second Quarter of 2026". Pathfinder Bancorp reported earnings of $0.42 per share for the second quarter of 2026, citing stable credit performance, disciplined loan and deposit pricing, and incremental net interest income from deploying underutilized liquidity into its AFS securities portfolio.

Company

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp Inc. is a bank holding company that operates through Pathfinder Bank, providing a broad range of banking and financial services to individuals, families, small to mid-size businesses, and municipalities. Its product lineup includes checking, savings, and money market accounts, certificates of deposit, and a diversified loan portfolio spanning commercial real estate, residential mortgages, construction, consumer lending, and tax-exempt loans. The company also offers business-focused services such as cash management, remote deposit capture, merchant card solutions, overdraft protection, and mobile payments, along with property, casualty, and life insurance brokerage services. Headquartered in Oswego, New York, Pathfinder Bancorp Inc. plays a regional role in deposit gathering, lending, and relationship-based community banking.

CEO Mr. James A. Dowd CPA · 172 employees · United States · https://www.pathfinderbank.com