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PBHCPBHCFinancial Services · Banks - Regional

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

Last close, 6 Aug 2026
$17
+1.47% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 29 of 100 as at 6 Aug 2026 — in the lower half.

Market cap
$101.9M
Ticker Nerd rank
29 / 100
Median analyst target
—
Analysts covering
0
Total return, dividends reinvested
1W
+1.5%
1M
+3.9%
YTD
+19.6%
1Y
+17.8%
From 52W high
−1.4%
From 52W low
+37.8%
$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 6 Aug 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

Size
75
Accruals
59
Growth
54
Momentum
50
Volatility
49
Value
43
Issuance
34
Revisions
25
Quality
14

Size (75): Smaller than most of the companies we track.

Quality (14): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

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

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.

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

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
1629.0×

Cheaper than 1% of US stocks

Price / sales
3.0×

Cheaper than 42% of US stocks

Price / book
0.8×

Cheaper than 77% of US stocks

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

Higher than 86% of US stocks

Earnings growth (YoY)
8506.5%

Higher than 99% of US stocks

Gross margin
—
Operating margin
29.4%

Higher than 88% of US stocks

Net margin
0.4%

Higher than 47% of US stocks

Returns & dividend
Return on equity
0.1%

Higher than 44% of US stocks

Return on assets
0.0%

Higher than 44% of US stocks

Dividend yield
2.5%

Higher than 55% of US dividend payers

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

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.$101.9M
29
FNWBFirst Northwest Bancorp (Washington)$104.3M
65
BYFCBroadway Financial Corp. (California)$97.6M
26
UNBUnion Bankshares, Inc. (Vermont)$108.1M
37
OPHCOptimumBank Holdings, Inc.$109.5M
76
FDSBFifth District Bancorp, Inc.$94.2M
49
FUSBFirst US Bancshares, Inc.$93.0M
79
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.

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 6 Aug 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 Size (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 +17.8% over the 12 months to 6 Aug 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 primarily operates through its subsidiary, Pathfinder Bank.

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 primarily operates through its subsidiary, Pathfinder Bank. Its main function is to provide a wide range of community banking services, focusing on attracting deposits from the public and channeling these funds into loans secured by commercial and residential real estate, as well as commercial business and consumer lending. The company also invests in mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities from both government-sponsored and private issuers. Pathfinder Bancorp Inc. serves its local markets through a network of over a dozen full-service branch offices, primarily in Oswego and Onondaga counties, with an additional limited-purpose office in Oneida County. The company’s loan portfolio includes municipal loans, home equity loans and lines, and various consumer credit products. By concentrating on diversified lending and prudent investment strategies, Pathfinder Bancorp Inc. plays a significant role in supporting economic activity within its regional markets and contributing to the stability and competitiveness of the banking sector.

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