PBHC:NASDAQPathfinder Bancorp, Inc. analysis
Data as of Jun 14, 2026 - not real-time
- Latest price
- $15.45
- Risk: medium
- 7/10Medium risk
Summary
Pathfinder Bancorp is trading near its recent resistance of $15.45 with a strong bullish MACD histogram (+0.17) and a high RSI of 71.6, indicating short‑term overbought conditions.
Fundamentally, the bank shows negative profit margins (-8.3%), a trailing EPS of -$0.41 and a sizable net‑debt position (total debt $75M vs cash $39M), which undermines earnings sustainability despite a modest dividend yield of 2.59% and a payout ratio of 33%.
Fundamentally, the bank shows negative profit margins (-8.3%), a trailing EPS of -$0.41 and a sizable net‑debt position (total debt $75M vs cash $39M), which undermines earnings sustainability despite a modest dividend yield of 2.59% and a payout ratio of 33%.
Market outlook
Short term
< 1 yearNeutral
Model confidence6/106 out of 10
Key factors
- Overbought RSI suggests possible near‑term pullback
- Bullish MACD but price at resistance
- Increasing volume supports short‑term stability
Medium term
1–3 yearsNeutral
Model confidence5/105 out of 10
Key factors
- Negative earnings and profit margins limit upside
- Dividend yield attractive but sustainability questionable
- Regional banking sector facing heightened regulatory scrutiny
Long term
> 3 yearsCautious
Model confidence7/107 out of 10
Key factors
- Persistent earnings deficits and high net‑debt burden
- Low book‑to‑price advantage may erode if asset quality worsens
- Elevated volatility (45% 30‑day) and limited analyst coverage
Key metrics
Financial health
Revenue Growth-4.20%
Profit Margin-8.32%
ROE-2.01%
ROA-0.17%
P/B Ratio0.8
Industry P/E16.8
Technical analysis
TrendNeutral
RSI71.6
Support$13.00
Resistance$15.45
MA 20$13.99
MA 50$13.73
MA 200$14.17
MACDBullish
VolumeIncreasing
Fear & Greed Index89.86
Valuation
GradeUndervalued
TypeValue
Dividend Yield2.59%
Risk assessment
Beta0.30
Volatility45.44%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.