PBHCFinancial Services · Banks - RegionalTicker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 31 of 100 as at 8 Oct 2026 — in the lower half.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Size (74): Smaller than most of the companies we track.
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.
The bullish and bearish analyst opinions on PBHC, reported as data — targets and ratings, the market's view beside the model's.
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.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 9 Oct 2026, Pathfinder Bancorp, Inc. returned +14.2% against +16.6% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 1% of US stocks
Cheaper than 39% of US stocks
Cheaper than 76% of US stocks
Higher than 85% of US stocks
Higher than 99% of US stocks
Higher than 87% of US stocks
Higher than 48% of US stocks
Higher than 44% of US stocks
Higher than 44% of US stocks
Higher than 81% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $105.9M and an enterprise value of $257.2M.
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.
Trailing P/E: 1750.0×.
Forward dividend yield: 2.37%, paying out 4000% of earnings.
Pathfinder Bancorp, Inc. employs 172 people — $281K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| PBHCPathfinder Bancorp, Inc. | $105.9M | 31 |
| BYFCBroadway Financial Corp. (California) | $107.0M | 29 |
| OPHCOptimumBank Holdings, Inc. | $109.7M | 78 |
| SFBCSound Financial Bancorp, Inc. | $112.3M | 47 |
| UNBUnion Bankshares, Inc. (Vermont) | $113.8M | 33 |
| PNBKPatriot National Bancorp, Inc. | $102.6M | 14 |
| WSBKWinchester Bancorp, Inc. | $115.6M | 23 |
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 →
Pathfinder Bancorp, Inc. has declared a dividend, as announced in a GlobeNewsWire release dated September 28, 2026, from Oswego, N.Y.
Why it matters — A declared dividend signals the company's continued distribution of income to shareholders, a point of interest for PBHC investors.
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.
As at 8 Oct 2026, Pathfinder Bancorp, Inc. ranks 31 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 Size (74 of 100).
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.
Pathfinder Bancorp, Inc. returned +14.2% over the 12 months to 9 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
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.
The most recent item we track (GlobeNewsWire, 28 Sept 2026): "Pathfinder Bancorp, Inc. Declares Dividend". Pathfinder Bancorp, Inc. has declared a dividend, as announced in a GlobeNewsWire release dated September 28, 2026, from Oswego, N.Y.
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
