PBHC · Pathfinder Bancorp, Inc.
Price & Indicators
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Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as percentage of total loans | 3.24% | March 31, 2026 | — |
| Commercial loans | $549.5M | March 31, 2026 | — |
| Commercial loans as percentage of total loans | 61.4% | March 31, 2026 | — |
| Core deposits | $993.7M | March 31, 2026 | — |
| Core deposits as percentage of total deposits | 82.01% | March 31, 2026 | — |
| Core deposits as a percentage of total deposits | 79.78% | December 31, 2025 | — |
| Efficiency ratio non-GAAP | 74.96% | fourth quarter 2025 | — |
| Net interest margin (NIM) | 3.21% | full year 2025 | — |
| Noninterest expense as a percentage of average assets (annualized) | 2.51% | fourth quarter 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PBHC
this stock
Pathfinder Bancorp, Inc.
|
$100.42M | +14.5% | +91.8% | — | 0.2% |
|
HDB
Hdfc Bank Ltd
|
$121.16B | -35.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$120.24B | +34.8% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.74B | -0.1% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.45B | +20.8% | +7.2% | 14.5 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PBHC | -1.5% | -0.2% | +12.7% | +1.1% | +14.6% |
| SPY | -1.0% | -0.6% | +7.1% | -0.6% | +8.8% |
| vs SPY | -0.6% | +0.4% | +5.6% | +1.7% | +5.7% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.