Stocktoria
Pathfinder Bancorp, Inc. PBHC
Pathfinder Bancorp, Inc. (PBHC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.86% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PBHC | Pathfinder Bancorp, Inc. | 4/9 | — | — | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
FAQ
Is PBHC financially healthy?
Pathfinder Bancorp, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does PBHC pay a dividend, and is it safe?
Yes. Pathfinder Bancorp, Inc. pays a dividend yielding about 1.86% with a -98.7% payout ratio, rated “safe” for safety.
How profitable is PBHC?
In FY2025, Pathfinder Bancorp, Inc. had a return on equity of -1.6%.
Is PBHC overvalued or undervalued?
Pathfinder Bancorp, Inc. trades at about 13.9× trailing earnings — below its 10-year norm (10-year range 10.3×–18.8×, median 17.5×). Stocktoria reports the data, not buy/sell advice.
Is PBHC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Pathfinder Bancorp, Inc.: a Piotroski F-score of 4/9, a dividend yield of 1.86%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.