Pathfinder Bancorp Inc (PBHC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$15.79+1.22%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PBHC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -49.0% |
| Our one-year growth estimate | diamond | -0.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 48.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of —
PBHC — dividend update
Dated 2026-06-29
Other Events On June 29, 2026, the Company announced that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share. The dividend is payable on August 7, 2026 to shareholders of record on July 17, 2026.
Why it matters: A drop in sector revenue growth could impact Pathfinder's performance and outlook.
Worry ifSector revenue growth reported below its median of 15% year over year.
Less concerning ifSector revenue growth is above average. This supports ongoing growth.
Why it matters: If revenue growth slows, it may signal a broader issue in the financial sector.
Worry ifPathfinder's revenue growth drops below its median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: Stable core deposits are key for future loans and show customer trust.
Supportive ifCore deposits reported above $961.6 million in Q3.
Worry ifCore deposits reported below $961.6 million in Q3.
Why it matters: Growth in net income would show continued progress toward consistent earnings in 2026.
Supportive ifNet income for Q3 exceeds $2.7 million, the amount reported in Q2.
Worry ifNet income for Q3 is less than $2.7 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$95 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $282 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,218 loss on $10,000 · 22.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The earnings report will show if Pathfinder can improve its loss-making status. Investors will look for signs of recovery.
Watch forEarnings report shows a reduction in losses compared to the previous quarter.
Also watch forThe earnings report shows losses are getting bigger or staying the same from last quarter.
Why it matters: Growth in net interest income shows good management of assets and liabilities. It helps earnings stay steady.
Supportive ifQ3 net interest income was over $10.5 million. This shows good liquidity management.
Worry ifQ3 net interest income was below $10.5 million. This suggests problems in asset management.
Why it matters: A drop in core deposits may show weak customer confidence. This can raise funding costs.
Worry ifCore deposits were below $961.6 million. This may show issues with keeping customers.
Less concerning ifCore deposits are stable or above $961.6 million. This shows strong customer confidence.
Why it matters: Higher net charge-offs may show worse credit quality. This can affect earnings.
Worry ifNet charge-offs were above $1.9 million. This shows worsening credit conditions.
Less concerning ifNet charge-offs stayed below $1.9 million. This suggests stable credit quality.
Why it matters: Keeping the dividend shows that the company is stable. It also shows they care about their shareholders.
Supportive ifThe company declares a dividend of $0.10 per share for Q3. This shows commitment to returns.
Worry ifThe company cuts the dividend below $0.10 per share. This may show financial strain.