PBHC · Pathfinder Bancorp, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
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.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
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 written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Effective income tax rate | 18% | the three months ended June 30, 2026 filing | — |
| Commercial loans as a percentage of total loans | 61.3% | Q2 2026 | — |
| Core deposits as a percentage of total deposits | 81.9% | Q2 2026 | — |
| Efficiency ratio non-GAAP | 74.26% | Q2 2026 | — |
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| Net charge-offs | $1.9M | Q2 2026 | — |
| Net charge-offs (annualized as a percentage of average loans) | 0.83% | second quarter of 2026 | — |
| Net interest margin | 3.08% | Q2 2026 | — |
| Noninterest expense as a percentage of average assets (annualized) | 2.39% | Q2 2026 | — |
| Pre-tax, pre-provision net income non-GAAP | $3M | Q2 2026 | — |
| Ratio of average interest-earning assets to average interest-bearing liabilities | 124.48% | Q2 | — |
| Specific reserves as a percentage of ACL | 62% | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $18.42 | Q2 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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.
|
$108.24M | +22.2% | +91.8% | — | 0.1% |
|
MFG
Mizuho Financial Group Inc
|
$118.67B | +34.3% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.52B | -36.9% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$107.26B | +0.3% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$106.91B | +35.5% | — | — | 0.2% |
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% | -1.6% | +25.8% | +2.1% | +22.2% |
| SPY | -1.5% | -0.9% | +7.7% | +0.5% | +12.4% |
| vs SPY | +0.0% | -0.7% | +18.1% | +1.6% | +9.8% |
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.