Pathfinder Bancorp, Inc.
PBHCNasdaq
$16.39
↑ +2.1%Jul 17 close · end-of-day
Price
1Y↑ +11.8%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
—
Enterprise Value
—
P/E
—
P/S
—
P/B
—
EV/EBITDA
—
PEG
—
FCF Yield
—
Dividend Yield
2.4%
Revenue (TTM)
—
Net Income (TTM)
-$2.5M
Free Cash Flow (TTM)
$4.9M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
-2.0%
ROIC
—
Debt / Equity
0.2
Net Cash
-$27.4M
Return 1Y
+11.2%
Company profile
Management & directors
- Polniak JosephFVP, General Counsel
- Dowd James A.President and CEO
- O'Brien William DSenior Vice President
- Tascarella Ronald G.Senior Vice President
- Butkowski Robert G. Jr.Senior Vice President
Roles derived from SEC Form 4 filings.
Earnings
PBHC Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS——
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $7.0M | $12.4M | $12.9M | $9.3M | $3.4M | -$1.9M |
| Diluted EPS | $1.17 | — | — | — | — | — |
| Operating cash flow | $46.6M | $20.2M | $21.7M | $15.4M | $11.2M | $11.7M |
| Free cash flow | $45.3M | $18.9M | $19.8M | $13.5M | $9.1M | $10.4M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $2.0M | -$4.6M | $3.9M | $3.0M | $31,000.00 | $626,000.00 | -$5.6M | $2.4M |
| Diluted EPS | $0.41 | $0.41 | — | — | $0.47 | $0.47 | — | — |
| Operating cash flow | $1.5M | $11.8M | -$2.7M | $5.7M | -$3.7M | $7.0M | $2.7M | -$241,000.00 |
| Free cash flow | $637,000.00 | $11.3M | -$3.1M | $5.1M | -$4.0M | $6.9M | $2.4M | -$489,000.00 |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Coming soonHeadlines for PBHC will appear here once the news feed is connected.
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-15 | Polniak Joseph· FVP, General Counsel | Buy | 1,000 | $15.88 | $15,881.00 | filing |
| 2026-06-02 | Dowd James A.· President and CEO | Buy | 1,400 | $13.69 | $19,159.00 | filing |
| 2026-05-04 | Littlejohn Melanie | Option exercise | 7,913 | $13.48 | $106,671.20 | filing |
| 2026-05-04 | Littlejohn Melanie | Option exercise | 8,787 | $11.35 | $99,732.45 | filing |
| 2026-05-04 | O'Brien William D· Senior Vice President | Option exercise | 7,908 | $11.35 | $89,755.80 | filing |
| 2026-05-04 | Dowd James A.· President and CEO | Option exercise | 2,816 | $11.35 | $31,961.60 | filing |
| 2026-03-31 | Polniak Joseph· FVP, General Counsel | Award | 8,000 | $0.00 | $0.00 | filing |
| 2026-03-13 | Gagas Adam C. | Option exercise | 8,787 | $11.35 | $99,732.45 | filing |
| 2026-03-13 | Dowd James A.· President and CEO | Option exercise | 6,000 | $11.35 | $68,100.00 | filing |
| 2026-03-12 | Ayoub David A. | Option exercise | 8,787 | $11.35 | $99,732.45 | filing |
| 2026-03-05 | O'Brien William D· Senior Vice President | Option exercise | 3,647 | $10.81 | $39,424.07 | filing |
| 2026-03-03 | Gagas Adam C. | Gift | 1,000 | $0.00 | $0.00 | filing |
| 2026-02-27 | Tascarella Ronald G.· Senior Vice President | Option exercise | 1,865 | $13.42 | $25,023.45 | filing |
| 2026-02-27 | Tascarella Ronald G.· Senior Vice President | Option exercise | 2,109 | $11.35 | $23,937.15 | filing |
| 2026-02-13 | Gagas Adam C. | Buy | 1,950 | $13.75 | $26,812.50 | filing |
| 2026-02-12 | Gagas Adam C. | Buy | 6 | $13.50 | $81.00 | filing |
| 2026-02-04 | O'Brien William D· Senior Vice President | Option exercise | 5,000 | $10.81 | $54,050.00 | filing |
| 2026-02-04 | Ayoub David A. | Buy | 425 | $12.83 | $5,452.75 | filing |
| 2026-02-03 | Butkowski Robert G. Jr.· Senior Vice President | Option exercise | 2,636 | $11.35 | $29,918.60 | filing |
| 2025-12-10 | Dowd James A.· President and CEO | Option exercise | 4,000 | $11.35 | $45,400.00 | filing |
| 2025-11-20 | Barclay William A | Option exercise | 4,500 | $11.35 | $51,075.00 | filing |
| 2025-09-12 | Dowd James A.· President and CEO | Option exercise | 3,000 | $11.35 | $34,050.00 | filing |
| 2025-08-28 | Gagas Adam C. | Option exercise | 3,116 | $11.09 | $34,556.44 | filing |
Latest 23 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.