Stocks · Financial Services · Banks - Regional
Pathfinder Bancorp, Inc. PBHC
$16.89 -3.10% Close, Oct 5, 2026 · NASDAQ · Market cap $109.1M
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.21, down 159.2% year over year.
- Net debt is 22.2× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 82 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 20%
- EPS growth (TTM, YoY)Bottom 6%
- FCF growth (TTM, YoY)Top 5%
- Revenue growth, 3-year CAGRBottom 37%
- Revenue growth accelerationTop 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 30%
- Gross marginBottom 16%
- Operating marginBottom 9%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Bottom 4%
- Interest coverBottom 10%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 12%
- Free-cash-flow yieldTop 28%
- EBITDA / enterprise valueBottom 30%
- Sales / enterprise valueBottom 43%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 32%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 43%
- Distance from 52-week highTop 37%
- Trend checklist (0–4)Top 26%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 26%
- Maximum drawdown, 3 yearsBottom 33%
- Beta vs S&P 500 (lower is better)Top 11%
- Net debt / EBITDA (lower is better)Bottom 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -8.0% | -3.4% | ↑ |
| EPS growth (YoY) | -193.3% | -159.2% | ↑ |
| Gross margin | 42.9% | 43.0% | ↑ |
| Operating margin | 4.5% | -2.1% | ↓ |
| FCF margin | 3.7% | 15.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -3.4% | -8.0% | ↑ | Bottom 20% |
| EPS growth (TTM, YoY) | -159.2% | -193.3% | ↑ | Bottom 6% |
| Gross margin | 43.0% | 42.9% | ↑ | Bottom 16% |
| Operating margin | -2.1% | 4.5% | ↓ | Bottom 9% |
| Net margin | -1.7% | 2.8% | ↓ | — |
| Free-cash-flow margin | 15.7% | 3.7% | ↑ | — |
| Return on invested capital | -0.1% | — | Bottom 30% | |
| Revenue growth, 3-year CAGR | 12.0% | — | Bottom 37% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -2.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 22.17×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.27%
- Net buyback yield (TTM)
- -0.84%
- Shareholder yield
- 1.43%
- Share count change, 1 year
- +3.4%
- Share count change, 3-year CAGR
- +2.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 3 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | — | +1.8% | +1.8% | +3.1% | — |
| Apr 29, 2026 | — | +0.0% | +3.7% | +0.7% | +16.9% |
| Jan 29, 2026 | — | +0.0% | -8.1% | -5.3% | -6.0% |
| Oct 30, 2025 | — | +0.0% | -0.3% | -5.9% | -5.9% |
| Jul 30, 2025 | — | +2.2% | -3.9% | -0.5% | +2.6% |
| Apr 30, 2025 | — | -7.1% | -0.4% | +6.0% | +1.6% |
| Mar 31, 2025 | — | +6.6% | +6.0% | -4.7% | -5.3% |
| Oct 30, 2024 | — | -2.3% | -2.3% | -0.6% | -9.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.42 | — | — | $19.3M |
| Apr 29, 2026 | $0.38 | — | — | $18.8M |
| Jan 29, 2026 | -$1.11 | — | — | $19.6M |
| Oct 30, 2025 | $0.10 | — | — | — |
| Jul 30, 2025 | -$0.62 | — | — | $17.7M |
| Apr 30, 2025 | $0.41 | — | — | $20.6M |
| Mar 31, 2025 | $0.83 | — | — | $20.8M |
| Oct 30, 2024 | -$0.75 | — | — | $22.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 36.4× | — | — | Bottom 30% |
| EV / Sales | 3.53× | — | — | Bottom 43% |
| Free-cash-flow yield | 11.38% | — | — | Top 28% |
| Earnings yield | -1.24% | — | — | Bottom 12% |
P/E over the past five years
Range 6.1× – 53.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.0%
- Earnings per share growth (TTM)
- -159.2%
- Change in P/E multiple
- -76.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 20
- Days above the 200-day average
- 82
- 50-day average slope (20 days)
- +2.8%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- +1.7%
- Distance from 200-day average
- +14.6%
- RSI (14)
- 49.2
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 31.1%
- Volatility vs own 5-year history
- 47th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.02
- Correlation with S&P 500
- 0.01
- Current drawdown from 1-year high
- -7.7%
- Maximum drawdown, 3 years
- -35.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 16, 2022 | Mar 4, 2024 | -47.7% | 366 days | Not yet recovered |
| Jan 19, 2021 | Feb 1, 2021 | -14.9% | 9 days | 8 days (Feb 11, 2021) |
| Mar 31, 2022 | Aug 10, 2022 | -13.7% | 90 days | 26 days (Sep 16, 2022) |
| Apr 14, 2021 | May 13, 2021 | -11.7% | 21 days | 26 days (Jun 21, 2021) |
| Oct 5, 2020 | Oct 9, 2020 | -10.3% | 4 days | 18 days (Nov 4, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $109.1M
- EPS, diluted (TTM)
- -$0.21
- Revenue (TTM)
- $79.0M
- Dividend yield
- 2.96%
- 52-week range
- $12.06 – $18.30
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $51.0M | $56.4M | $71.8M | $83.5M | $79.1M |
| Gross profit | $42.5M | $43.9M | $40.1M | $35.1M | $30.5M |
| Operating income | $16.0M | $15.7M | $11.8M | $5.2M | -$4.1M |
| Net income | $12.4M | $12.9M | $9.3M | $3.4M | -$3.4M |
| EPS (diluted) | $2.07 | $2.13 | $1.51 | $0.42 | -$0.54 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.6M | $20.8M | $20.6M | $17.7M | $21.2M | $19.6M | $18.8M | $19.3M |
| Net income | -$4.6M | $3.9M | $3.0M | $31,000 | $626,000 | -$7.0M | $2.4M | $2.7M |
| EPS (diluted) | -$0.75 | $0.69 | $0.41 | $0.01 | $0.10 | -$1.11 | $0.38 | $0.42 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $20.2M | $21.7M | $15.4M | $11.2M | $11.3M |
| Capital expenditure | -$1.2M | -$5.2M | -$2.0M | -$8.3M | -$1.3M |
| Free cash flow | $18.9M | $16.5M | $13.5M | $2.9M | $10.0M |
| Dividends paid | -$1.4M | -$2.0M | -$2.2M | -$2.4M | -$2.5M |
| Net share buybacks | $0 | $0 | $0 | $291,000 | $656,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $377.5M
- Total assets
- $1.49B
- Total liabilities
- $1.37B
- Total debt
- $181.0M
- Net debt
- $169.6M
- Shareholders’ equity
- $125.7M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 16, 2026 | $0.10 | Nov 6, 2026 |
| Jul 17, 2026 | $0.10 | Aug 7, 2026 |
| Apr 17, 2026 | $0.10 | May 8, 2026 |
| Jan 16, 2026 | $0.10 | Feb 6, 2026 |
| Oct 17, 2025 | $0.10 | Nov 7, 2025 |
| Jul 18, 2025 | $0.10 | Aug 8, 2025 |
| Apr 17, 2025 | $0.10 | May 9, 2025 |
| Jan 17, 2025 | $0.10 | Feb 7, 2025 |
Short interest
- Shares sold short
- 9,217
- Days to cover
- 1.48
- Change vs previous report
- -27.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 17, 2014
- 1,647-for-1,000
- Feb 6, 1998
- 3-for-2