Pathfinder Bancorp Inc. (MD) (PBHC) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Pathfinder Bancorp Inc. (MD) (NASDAQ: PBHC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $17.00 (+1.68% 1D, market cap $81.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PBHC ranks #654 in composite RQD confidence.
Within the Financials sector (Major Banks), PBHC carries a Roarable D (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -1.6%. By comparison, ASRV (AmeriServ Financial Inc.) holds a C grade (63/100 RQD, P/E 14.9x, ROIC 4.7%, cap $83.7M) and UBCP (United Bancorp Inc.) posts a C- grade (60/100 RQD, P/E 10.8x, ROIC 11.0%, cap $83.7M). Among the 5-stock peer group, UBCP leads on earnings multiple (10.8x) while UBCP leads on capital efficiency (11.0% ROIC).
Per PBHC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001609065), Pathfinder Bancorp Inc. (MD) generated $0 in revenue, -$1.9M in net income, and $10.4M in free cash flow against $1.43B in total assets and $14.1M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 79% of 52W Range • RSI-14 at 51.7 (NEUTRAL RANGE)
SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($10.4M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
While PBHC currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.84) and Max Pain ($17.85) forces dealer call-delta covering toward $19.42.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Pathfinder Bancorp Inc. (MD) (PBHC) advanced +1.68% to $17.00, trading at 79% of its 52-week range ($12.06 – $18.3). Stretched risk/reward at current multiples (-2% return on capital) under elevated 10-year interest-rate pressure.
Pathfinder Bancorp (NASDAQ:PBHC) reported quarterly earnings of $0.32 per share. This is a 220 percent increase over earnings of $0.10 per share from the same period last year. The company reported $12.108 million in
OSWEGO, N.Y., Sept. 28, 2026 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company
Pathfinder grew earnings to $0.42 per share in the second quarter of 2026 with stable credit performance, disciplined loan and deposit pricing, and incremental net interest income generated by deploying underutilized liq
Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve buildOSWEGO, N.Y., Jan. 29, 2026 (GLOBE NEWSWIRE) -- Pathfinder Bancor
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Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PBHC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PBHC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Pathfinder Bancorp Inc. (MD) (PBHC) ranks #654 by composite RQD confidence (51/100, grade D) and #985 by equity capitalization ($81.9M). Within this direct 5-issuer industry benchmark cohort, UBCP leads on earnings valuation at 10.8x trailing P/E, while UBCP leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. ASRV currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with PBHC at 51/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PBHC
ACTIVE
Pathfinder Bancorp Inc. (MD) | D | 51/100 | — | — | -1.6% | +1.68% | $81.9M | Benchmark Subject |
| ASRV AmeriServ Financial Inc. | C | 63/100 | 14.9x | — | 4.7% | -0.41% | $83.7M | /asrv-vs-pbhc → |
| UBCP United Bancorp Inc. | C- | 60/100 | 10.8x | — | 11.0% | -3.02% | $83.7M | /ubcp-vs-pbhc → |
| SSBI Summit State Bank | C- | 59/100 | — | — | — | -2.97% | $78.6M | /ssbi-vs-pbhc → |
| AUBN Auburn National Bancorporation Inc. | D+ | 56/100 | — | — | — | 0.00% | $89.6M | /aubn-vs-pbhc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pathfinder Bancorp Inc. (MD) (PBHC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$1.9M, operating cash flow of $11.7M, and free cash flow of $10.4M (+13.9% YoY). On the balance sheet, PBHC closed FY2025 with $1.43B in total assets against $14.1M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | -$1.9M | $11.7M | $10.4M | $1.43B | $14.1M |
| FY2024 (FY) | 2024-12-31 | $0 | $3.4M | $11.2M | $9.1M | $1.47B | $27.1M |
| FY2023 (FY) | 2023-12-31 | $0 | $9.3M | $15.4M | $15.4M | — | — |
As of 2026-11-02, Pathfinder Bancorp Inc. (MD) (NASDAQ: PBHC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $17.00 (+1.68% 1D, market cap $81.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PBHC ranks #654 in composite RQD confidence.
Within the Financials sector (Major Banks), PBHC carries a Roarable D (51/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -1.6%. By comparison, ASRV (AmeriServ Financial Inc.) holds a C grade (63/100 RQD, P/E 14.9x, ROIC 4.7%, cap $83.7M) and UBCP (United Bancorp Inc.) posts a C- grade (60/100 RQD, P/E 10.8x, ROIC 11.0%, cap $83.7M). Among the 5-stock peer group, UBCP leads on earnings multiple (10.8x) while UBCP leads on capital efficiency (11.0% ROIC).
Per PBHC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001609065), Pathfinder Bancorp Inc. (MD) generated $0 in revenue, -$1.9M in net income, and $10.4M in free cash flow against $1.43B in total assets and $14.1M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
PBHC last traded at $17.00 (+1.68% on volume of 265 shares), positioning the stock +0.95% above its 50-day simple moving average ($16.84) and +13.26% above its 200-day simple moving average ($15.01). Across its 52-week range of $12.06 to $18.30, PBHC sits at the 79.2% percentile with a 14-day RSI of 51.7 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($16.69 to $17.31).
Why PBHC Stock advanced +1.68% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-2% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, PBHC scores 51 out of 100, a D grade, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine 11/20 (ROIC -1.6%; FCF yield 12.72%), Whale 13F Flow 8/20 (institutional accumulation and options positioning), Insider Conviction 10/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 12/20 (beta 1.0; sector sensitivity), and Forensic Balance Sheet 10/20 (Altman Z 2.5; Piotroski F 3/9; Debt/Equity 0.5). The weakest pillars are Whale 13F Flow and Insider Conviction, each at 40–50% of available points, indicating the rating's smart-money signals are not supportive. The strongest pillar relative to its maximum is Macro Regime Fit at 60%, reflecting beta of 1.0 rather than an offsetting strength. The Fundamental Cash Engine's 12.72% FCF yield is a notable upside datapoint, but it is offset by negative ROIC of -1.6%, which means the cash generation is not translating into returns on invested capital in the rating's framework. The Forensic Balance Sheet pillar sits at 10/20, with a Piotroski F-Score of 3/9 being the most visible weakness. For a prospective investor evaluating the stock today, the rating points to a cautious read: the valuation-related cash yield may appear attractive on its face, but the combination of negative ROIC, weak institutional and insider signals, and a low Piotroski score argues for caution and further diligence before drawing conclusions.
Per the profile, Pathfinder Bancorp Inc. (MD) is a NASDAQ-listed issuer in the Financials sector, operating in the Major Banks industry. The source data does not describe its products, customer base, or revenue model. Per the profile, its market capitalization is $0.1B.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $-1.9M | N/A | $10.4M | N/A | $14.1M |
| FY 2024 | $0.0M | $0.0M | $3.4M | N/A | $9.1M | N/A | $27.1M |
| FY 2023 | $0.0M | $0.0M | $9.3M | N/A | $15.4M | N/A | N/A |
Per the SEC financials, net income moved from $9.3M in FY 2023 to $3.4M in FY 2024 and to $-1.9M in FY 2025, while reported FCF moved from $15.4M to $9.1M to $10.4M. Per the market data, gross, operating, and net margins are each listed as 0%, which is not informative in the source data, and ROIC is -1.6%. Per the RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 3/9, and Debt/Equity is 0.5. Reported debt declined from $27.1M in FY 2024 to $14.1M in FY 2025, while FY 2023 debt is listed as N/A.
Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Sector and industry are listed as Financials and Major Banks. The source data does not identify upstream or downstream dependencies, sector correlations, or second-order bottlenecks.
Real-time company headlines, analyst actions, and sector developments for Pathfinder Bancorp Inc. (MD) (PBHC) • Click "Debate This Headline" to argue it in the Roar Pit below
Pathfinder Bancorp (NASDAQ:PBHC) reported quarterly earnings of $0.32 per share. This is a 220 percent increase over earnings of $0.10 per share from the same period last year. The company reported $12.108 million in
OSWEGO, N.Y., Sept. 28, 2026 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company
Pathfinder grew earnings to $0.42 per share in the second quarter of 2026 with stable credit performance, disciplined loan and deposit pricing, and incremental net interest income generated by deploying underutilized liq
Pathfinder enters 2026 with improved earnings outlook following a proactive comprehensive commercial loan review and corresponding risk-based reserve buildOSWEGO, N.Y., Jan. 29, 2026 (GLOBE NEWSWIRE) -- Pathfinder Bancor
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Welcome to the PBHC (Pathfinder Bancorp Inc. (MD)) Roar Pit. Current RQD Composite is 51/100 (Roarable Sell — Underperform / Distribution Warning) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on PBHC, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Pathfinder Bancorp Inc. (MD) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on PBHC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $16.72 (52-wk range $14.95 - $18.63), any beat on forward guidance forces shorts and underweight funds to chase.
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