Pathfinder Bancorp, Inc.
PBHCFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframePart of the financial services sector, Pathfinder Bancorp, Inc. (PBHC) is listed under Banks - Regional. The company carries a $99.1M market cap, placing it firmly in the micro-cap category. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits.
Market Cap
$99.1M
Beta
0.12
P/E (TTM)
1579.00
P/E (Fwd)
—
EPS (TTM)
$0.01
EPS (Fwd)
—
ROE
0.1%
ROA
0.0%
Cash
$29.9M
Total Debt
$181.0M
Free CF
—
52W Change
3.3%
Annual Financials
Cash vs Debt
Where PBHC stands vs its 150-day and 200-day moving averages
As of the August 31, 2026 close, PBHC finished 12.03% above its 150-day moving average ($14.38) and 12.74% above its 200-day moving average ($14.29). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PBHC overbought or oversold?
At the August 31, 2026 close, PBHC's RSI(14) was 52.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $29.9M in cash, though total debt stands at $181.0M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 0.1% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.0% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $46.7M (2022) to $47.0M (2025).
The relatively low beta of 0.12 suggests PBHC is a less volatile holding compared to the broader index. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. At over 50x earnings, PBHC carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Pathfinder Bancorp, Inc.'s trajectory.