Pathfinder Bancorp(maryland) Share Price (NASDAQ: PBHC)

$14.92

Last updated on August 30, 2025 at 12:33 am IST

$₹

Check the interactive Pathfinder Bancorp(maryland) Stock chart to analyse performance

Pathfinder Bancorp Inc (maryland) Key Stats

Check Pathfinder Bancorp(maryland) key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$14.92
Open	$14.6
Market Capitalization	$92.0M
Today's Volume	$7.2K
Revenue TTM	$39.0M
Earnings Per Share (EPS)	$0.35
PE Ratio	42.63
Dividend Yield	2.68%
Profit Margin	5.81%
Quarterly Earnings Growth YOY	-0.98%
Return On Equity TTM	2.94%

Stock Returns calculator for Pathfinder Bancorp(maryland) Stock including INR - Dollar returns

The Pathfinder Bancorp(maryland) stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Pathfinder Bancorp(maryland) investment value today

Current value as on today

₹99,239

Returns

₹761

(-0.76%)

Returns from Pathfinder Bancorp(maryland) Stock

₹6,045 (-6.05%)

Dollar Returns*

₹5,284 (+5.28%)

Indian investors sentiment towards Pathfinder Bancorp(maryland) Stock

Period: Jul 31, 2025 to Aug 30, 2025. Change in 30 Days versus previous period

Search interest for Pathfinder Bancorp(maryland) Stock from India on INDmoney has increased by 0% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Pathfinder Bancorp Inc (maryland)

Name
Holdings %
Name
Holdings %
AllianceBernstein L.P.
5.11%
Minerva Advisors LLC
4.25%
Oppenheimer & Close Inc
1.49%
Fourthstone LLC
1.30%
Vanguard Group Inc
0.66%
Hamilton Point Investment Advisors, LLC
0.62%

Analyst Recommendation on Pathfinder Bancorp(maryland) Stock

Rating

Trend

Pathfinder Bancorp(maryland) Stock Insights

Price Movement
In the last 7 days, PBHC stock has moved up by 1.5%
Decreasing Revenue
Revenue is down for the last 4 quarters, 22.63M → 4.19M (in $), with an average decrease of 29.5% per quarter
Decreasing Net Profit
Netprofit is down for the last 3 quarters, 3.90M → -2.97M (in $), with an average decrease of 111.9% per quarter
PBHC vs MFG (1 yr)
In the last 1 year, Mizuho Financial Group, Inc. has given 58.9% return, outperforming this stock by 64.9%
PBHC vs NU (3 yr)
In the last 3 years, Nu Holdings Ltd. has given 187.4% return, outperforming this stock by 209.5%
Price to Sales
ForPBHC every $1 of sales, investors are willing to pay $2.3, whereas for Mizuho Financial Group, Inc., the investors are paying $0.0 for every $1 of sales.

Pathfinder Bancorp Inc (maryland) Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$45.9M	↑ 21.42%
Net Income	$4.3M	↑ 6.08%
Net Profit Margin	9.32%	↓ 1.35%

	FY20	Y/Y Change
Revenue	$48.2M	↑ 5.21%
Net Income	$7.0M	↑ 62.54%
Net Profit Margin	14.4%	↑ 5.08%

	FY21	Y/Y Change
Revenue	$51.0M	↑ 5.77%
Net Income	$12.4M	↑ 78.52%
Net Profit Margin	24.31%	↑ 9.91%

	FY22	Y/Y Change
Revenue	$56.4M	↑ 10.43%
Net Income	$12.9M	↑ 4.23%
Net Profit Margin	22.95%	↓ 1.36%

	FY23	Y/Y Change
Revenue	$71.8M	↑ 27.44%
Net Income	$9.3M	↓ 28.14%
Net Profit Margin	12.94%	↓ 10.01%

	FY24	Y/Y Change
Revenue	$83.5M	↑ 16.24%
Net Income	$3.4M	↓ 63.6%
Net Profit Margin	4.05%	↓ 8.89%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$20.0M	↑ 3.18%
Net Income	$2.1M	↓ 16.4%
Net Profit Margin	10.58%	↓ 2.47%

	Q2 FY24	Q/Q Change
Revenue	$20.0M	↓ 0.23%
Net Income	$2.0M	↓ 5.66%
Net Profit Margin	10.0%	↓ 0.58%

	Q3 FY24	Q/Q Change
Revenue	$22.6M	↑ 13.16%
Net Income	$-4.6M	↓ 332.2%
Net Profit Margin	-20.52%	↓ 30.52%

	Q4 FY24	Q/Q Change
Revenue	$20.8M	↓ 8.17%
Net Income	$3.9M	↓ 184.13%
Net Profit Margin	18.8%	↑ 39.32%

	Q1 FY25	Q/Q Change
Revenue	$20.6M	↓ 0.7%
Net Income	$3.0M	↓ 23.88%
Net Profit Margin	14.41%	↓ 4.39%

	Q2 FY25	Q/Q Change
Revenue	$4.2M	↓ 79.7%
Net Income	$-3.0M	↓ 200.0%
Net Profit Margin	-70.98%	↓ 85.39%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$30.4M	↑ 11.52%

	FY20	Y/Y Change
Profit	$32.7M	↑ 7.62%

	FY21	Y/Y Change
Profit	$42.5M	↑ 29.99%

	FY22	Y/Y Change
Profit	$43.9M	↑ 3.36%

	FY23	Y/Y Change
Profit	$40.1M	↓ 8.57%

	FY24	Y/Y Change
Profit	$35.1M	↓ 12.47%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Profit	$10.1M	↑ 1.3%

	Q2 FY24	Q/Q Change
Profit	$10.2M	↑ 0.42%

	Q3 FY24	Q/Q Change
Profit	$4.2M	↓ 58.72%

	Q4 FY24	Q/Q Change
Profit	$10.6M	↑ 153.62%

	Q1 FY25	Q/Q Change
Profit	$12.2M	↑ 14.13%

	Q2 FY25	Q/Q Change
Profit	$-12.2M	↓ 200.0%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$8.1M	↓ 9.6%
Investing Cash Flow	$-162.8M	↑ 212.95%
Financing Cash Flow	$148.5M	↑ 213.58%

	FY20	Y/Y Change
Operating Cash Flow	$46.6M	↑ 473.41%
Investing Cash Flow	$-149.2M	↓ 8.35%
Financing Cash Flow	$126.0M	↓ 15.19%

	FY21	Y/Y Change
Operating Cash Flow	$20.2M	↓ 56.71%
Investing Cash Flow	$-70.0M	↓ 53.12%
Financing Cash Flow	$43.5M	↓ 65.48%

	FY22	Y/Y Change
Operating Cash Flow	$21.7M	↑ 7.83%
Investing Cash Flow	$-131.2M	↑ 87.5%
Financing Cash Flow	$107.6M	↑ 147.37%

	FY23	Y/Y Change
Operating Cash Flow	$15.4M	↓ 28.99%
Investing Cash Flow	$-54.8M	↓ 58.23%
Financing Cash Flow	$52.8M	↓ 50.91%

	FY24	Y/Y Change
Operating Cash Flow	$11.2M	↓ 27.37%
Investing Cash Flow	$-22.4M	↓ 59.12%
Financing Cash Flow	$-6.0M	↓ 111.31%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$504.0K	↓ 94.02%
Investing Cash Flow	$-7.4M	↓ 81.9%
Financing Cash Flow	$-12.6M	↓ 122.23%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$1.5M	↑ 201.19%
Investing Cash Flow	$10.5M	↓ 242.17%
Financing Cash Flow	$-9.4M	↓ 25.07%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$11.8M	↑ 680.11%
Investing Cash Flow	$-29.3M	↓ 378.52%
Financing Cash Flow	$21.0M	↓ 322.06%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$-2.7M	↓ 122.42%
Investing Cash Flow	$3.8M	↓ 112.95%
Financing Cash Flow	$-4.9M	↓ 123.33%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$5.7M	↓ 314.58%
Investing Cash Flow	$-1.9M	↓ 149.3%
Financing Cash Flow	$16.1M	↓ 428.38%

Pathfinder Bancorp(maryland) Technicals Summary

Sell

Neutral

Buy

Pathfinder Bancorp(maryland) is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

Pathfinder Bancorp Inc (maryland) Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Pathfinder Bancorp Inc (maryland)	1.98%	-13.31%	-5.81%	-25.29%	47.36%
Nu Holdings Ltd.	21.07%	41.31%	-0.3%	201.94%	43.22%
U.s. Bancorp	8.7%	5.69%	5.35%	6.54%	33.2%
Icici Bank Ltd.	-5.79%	13.84%	7.66%	44.65%	191.82%
Pnc Financial Services Group, Inc.	9.05%	9.5%	12.46%	30.95%	85.92%
Mizuho Financial Group, Inc.	12.03%	17.2%	56.26%	191.19%	141.24%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Pathfinder Bancorp Inc (maryland)	42.63	42.63	0.0	0.0	0.03	0.0	0.03	20.17
Nu Holdings Ltd.	31.43	31.43	NA	0.61	0.28	0.04	NA	1.98
U.s. Bancorp	11.64	11.64	1.8	4.38	0.12	0.01	0.04	35.02
Icici Bank Ltd.	18.89	18.89	0.0	1.52	0.18	0.02	0.01	461.87
Pnc Financial Services Group, Inc.	14.19	14.19	2.27	15.53	0.11	0.01	0.03	131.61
Mizuho Financial Group, Inc.	13.9	13.9	1.33	0.0	0.08	0.0	0.03	4217.53

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Pathfinder Bancorp Inc (maryland)	NA	$92.0M	47.36%	42.63	5.81%
Nu Holdings Ltd.	Buy	$71.4B	43.22%	31.43	39.32%
U.s. Bancorp	Hold	$75.7B	33.2%	11.64	27.0%
Icici Bank Ltd.	Buy	$115.4B	191.82%	18.89	25.74%
Pnc Financial Services Group, Inc.	Buy	$81.7B	85.92%	14.19	29.23%
Mizuho Financial Group, Inc.	Buy	$83.1B	141.24%	13.9	22.79%

About Pathfinder Bancorp Inc (maryland)

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Organization	Pathfinder Bancorp(maryland)
Employees	172
CEO	Mr. James A. Dowd CPA, CPA
Industry	Finance

Key Management of Pathfinder Bancorp Inc (maryland)

Name	Title
Mr. James A. Dowd CPA, CPA	President, CEO & Director
Mr. Robert G. Butkowski Jr.	Senior VP & COO
Mr. William D. O'Brien	Senior VP, Chief Risk Officer & Corporate Secretary
Mr. Justin K. Bigham CPA	Senior VP & CFO
Joseph P. McManus	Chief Information Officer
Mr. Heather Bush	Vice President of Human Resources
Mr. Joseph F. Serbun	Senior Vice President & Chief Credit Officer
Ms. Roberta Davis	Vice President & Financial Analyst
Mr. Ronald A. Tascarella	SVP & Chief Lending Officer
Mr. Ronald G. Tascarella	Senior VP & Chief Lending Officer

Important FAQs about investing in PBHC Stock from India :

What is Pathfinder Bancorp(maryland) share price today?

Pathfinder Bancorp(maryland) share price today is $14.92 as on August 30, 2025 at 12:33 am IST at the close of the market. Pathfinder Bancorp(maryland) share today touched a day high of {{1_rba_end}} and a low of {{1_rba_st}}.

What is the 52 week high and 52 week low for Pathfinder Bancorp(maryland) share?

Pathfinder Bancorp(maryland) share touched a 52 week high of {{rba_end}} and a 52 week low of {{rba_st}}. Pathfinder Bancorp(maryland) stock price today i.e. August 30, 2025 at 12:33 am IST is closed at $14.92, lower by 24.87% versus the 52 week high.

How to invest in Pathfinder Bancorp(maryland) Stock (PBHC) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for Pathfinder Bancorp(maryland) on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Pathfinder Bancorp(maryland) Shares that will get you 0.1005 shares as per Pathfinder Bancorp(maryland) share price of $14.92 per share as on August 30, 2025 at 12:33 am IST.

What is the minimum amount required to buy Pathfinder Bancorp(maryland) Stock (PBHC) from India?

Indian investors can start investing in Pathfinder Bancorp(maryland) (PBHC) shares with as little as ₹88.286 or $1 (as of August 31, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹882.86 in Pathfinder Bancorp(maryland) stock (as per the Rupee-Dollar exchange rate as on August 31, 2025). Based on Pathfinder Bancorp(maryland) share’s latest price of $14.92 as on August 30, 2025 at 12:33 am IST, you will get 0.6702 shares of Pathfinder Bancorp(maryland). Learn more about fractional shares .

What are the returns that Pathfinder Bancorp(maryland) has given to Indian investors in the last 5 years?

Pathfinder Bancorp(maryland) stock has given 47.36% share price returns and 20.51% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?