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About the company
Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.
- Revenue in USD (TTM)--
- Net income in USD--
- Incorporated2014
- Employees172.00
- LocationPathfinder Bancorp Inc (MARYLAND)214 W 1st StOSWEGO 13126-2550United StatesUSA
- Phone+1 (315) 343-0057
- Websitehttps://ir.pathfinderbank.com/home/default.aspx
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Chino Commercial Bancorp (CA) | 21.85m | 5.85m | 56.21m | 29.00 | 9.62 | 1.15 | -- | 2.97 | 1.82 | 1.82 | 5.90 | 15.18 | -- | -- | -- | -- | 1.22 | 1.13 | -- | -- | -- | -- | 30.86 | 30.38 | -- | -- | -- | -- | -0.8393 | 16.28 | 13.74 | 17.37 | -- | -- |
| Ballston Spa Bancorp Inc | 42.24m | 4.91m | 56.44m | 135.00 | 11.49 | 0.8036 | 10.06 | 1.94 | 6.61 | 6.61 | 39.26 | 94.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 16.84 | -- | -- | -- | -- | -- | 16.54 | -- | 16.46 | -- | -- | -- |
| Home Federal Bancorp Inc of Louisiana | 31.14m | 5.20m | 58.20m | 67.00 | 11.16 | 1.01 | 8.78 | 2.55 | 1.70 | 1.70 | 7.42 | 18.76 | -- | -- | -- | -- | 0.8464 | 0.776 | -- | -- | -- | -- | 22.83 | 21.67 | -- | -- | -- | 30.79 | -4.40 | 8.42 | 8.21 | 0.1966 | -45.65 | 10.20 |
| Highlands Bankshares Inc (West Virginia) | 29.80m | 4.85m | 60.04m | 4.00 | 12.53 | 0.9926 | -- | 2.42 | 3.63 | 3.63 | 18.54 | 45.84 | -- | -- | -- | -- | 0.8607 | 0.8219 | -- | -- | -- | -- | 19.58 | 19.30 | -- | -- | -- | 54.58 | 20.39 | 7.76 | 36.44 | 6.60 | 6.22 | -1.02 |
| Neffs Bancorp Inc | 13.12m | 3.71m | 61.13m | 29.00 | 18.39 | 1.39 | 15.57 | 6.78 | 21.75 | 21.75 | 52.01 | 288.43 | -- | -- | -- | -- | 1.32 | 1.37 | -- | -- | -- | -- | 41.30 | 41.34 | -- | -- | -- | 26.56 | 1.74 | -1.26 | 8.40 | 4.57 | 1.48 | 7.28 |
| First Seacoast Bancorp Inc | 26.58m | -2.17m | 61.25m | 75.00 | -- | 0.97 | -- | 4.15 | -0.5372 | -0.5372 | 3.43 | 13.44 | -- | -- | -- | -- | -0.3576 | -0.3171 | -- | -- | -- | -- | -14.68 | -11.11 | -- | -- | -- | -- | 23.51 | 10.48 | 95.19 | -- | 5.02 | -- |
| 1895 Bancorp of Wisconsin Inc | 24.01m | -3.26m | 61.52m | 79.00 | -- | 0.9008 | -- | 4.65 | -0.5933 | -0.5933 | 2.42 | 12.27 | -- | -- | -- | -- | -0.5831 | -0.1252 | -- | -- | -- | -- | -24.67 | -4.04 | -- | -- | -- | -- | 26.87 | 4.48 | -3,205.41 | -- | -7.31 | -- |
| Mission Valley Bancorp | 46.27m | 6.03m | 61.69m | -- | 10.26 | 0.9565 | -- | 1.55 | 1.80 | 1.80 | 11.85 | 19.28 | -- | -- | -- | -- | 0.8724 | 0.9222 | -- | -- | -- | -- | 15.16 | 17.57 | -- | -- | -- | 5.80 | 29.44 | 22.19 | -15.28 | 11.58 | 47.38 | -- |
| Harford Bank | 34.24m | 6.96m | 63.12m | 86.00 | 9.00 | 0.9631 | 8.50 | 2.54 | 4.66 | 4.66 | 16.62 | 43.55 | -- | -- | -- | -- | 1.01 | -- | -- | -- | -- | -- | 28.04 | -- | -- | -- | -- | -- | 26.08 | -- | 7.83 | -- | -- | -- |
| Citizens Financial Corp (Delaware) | 13.57m | 1.07m | 63.18m | 84.00 | 63.75 | 3.05 | 47.61 | 5.69 | 0.5843 | 0.5843 | 6.06 | 12.22 | -- | -- | -- | -- | 0.4133 | 0.6519 | -- | -- | -- | -- | 9.63 | 14.60 | -- | -- | -- | 59.73 | -4.95 | 5.86 | -11.64 | -14.59 | -24.54 | -4.36 |
| FFBW Inc | 14.99m | 2.20m | 63.43m | 53.00 | 28.08 | 0.9065 | -- | 5.21 | 0.5303 | 0.5303 | 2.89 | 16.43 | -- | -- | -- | -- | 0.7647 | 0.6181 | -- | -- | -- | -- | 18.11 | 17.14 | -- | -- | -- | -- | 3.30 | 7.39 | 58.58 | 8.99 | 7.53 | -- |
| Pathfinder Bancorp Inc (MARYLAND) | -100.00bn | -100.00bn | 64.92m | 172.00 | -- | 0.6908 | -- | -- | -- | -- | -- | 19.56 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| OptimumBank Holdings Inc | 64.35m | 16.65m | 66.43m | 73.00 | 5.44 | 0.5166 | 5.47 | 1.35 | 1.00 | 1.00 | 2.78 | 10.57 | -- | -- | -- | -- | 1.63 | 1.39 | -- | -- | -- | -- | 33.73 | 31.80 | -- | -- | -- | -- | 7.92 | 57.17 | 26.85 | -- | -- | -- |
| Catalyst Bancorp Inc | 13.90m | 2.05m | 67.03m | 49.00 | 29.23 | 0.8202 | 35.08 | 5.90 | 0.5629 | 0.5629 | 3.12 | 20.06 | -- | -- | -- | -- | 0.7334 | 0.1173 | -- | -- | -- | -- | 18.06 | 3.57 | -- | -- | -- | -- | 0.2453 | 10.36 | 166.43 | -- | -- | -- |
| Delhi Bank Corp | -100.00bn | -100.00bn | 70.63m | 42.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.68 | -- | -25.43 | -- | -- | -- |
| Central Plains Bancshares Inc | 28.22m | 3.89m | 74.73m | 68.00 | 17.36 | 0.8515 | 15.91 | 2.65 | 1.02 | 1.02 | 7.42 | 20.87 | 0.0553 | -- | 9.14 | 415,044.10 | 0.7633 | -- | 4.43 | -- | -- | -- | 13.79 | -- | -- | 1.58 | 0.8337 | -- | 16.71 | -- | -2.79 | -- | -- | -- |
Data as of Mar 02 2026. Currency figures normalised to Pathfinder Bancorp Inc (MARYLAND)'s reporting currency: US Dollar USD
22.72%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AllianceBernstein LPas of 31 Dec 2025 | 474.13k | 9.89% |
| Minerva Advisors LLCas of 31 Dec 2025 | 262.20k | 5.47% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 116.63k | 2.43% |
| Oppenheimer + Close LLCas of 31 Dec 2025 | 91.92k | 1.92% |
| Hamilton Point Investment Advisors LLCas of 31 Dec 2025 | 38.43k | 0.80% |
| Geode Capital Management LLCas of 31 Dec 2025 | 25.94k | 0.54% |
| G1 Execution Services LLCas of 31 Dec 2025 | 23.72k | 0.50% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 21.11k | 0.44% |
| Osaic Wealth, Inc. (Investment Management)as of 31 Dec 2025 | 17.92k | 0.37% |
| Vanguard Fiduciary Trust Co.as of 31 Dec 2025 | 16.98k | 0.35% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
