Pathfinder Bancorp, Inc.(PBHC)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 21 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
PBHC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Pathfinder Bancorp, Inc. (PBHC), a Financials sector company. PBHC is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 21 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Pathfinder Bancorp, Inc. reports quarterly revenue of $11.5M, net income of $2.4M, an operating margin of 25.7%. Top institutional holders of PBHC by reported 13-F value include ALLIANCEBERNSTEIN L.P., Minerva Advisors, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PBHC trades on the Nasdaq exchange and files with the SEC under CIK 1609065. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PBHC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Pathfinder Bancorp, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$11.5M
Net Income
Q1 2026
$2.4M
Free Cash Flow
Q1 2026
$-489.0K
Operating Margin
Q1 2026
25.7%
ROIC
Q1 2026
2.2%
D/E Ratio
Q1 2026
0.22
AI Insight: PBHC Ratio Trends
PBHC swung from trailing 12-month losses (ROE -2.0%, ROA -0.2%) to Q1 2026 profitability (ROE 7.8%, ROA 0.7%), but erratic quarterly returns mask persistent weakness.
• Q1 2026 ROE rebounded to 7.8% and ROA to 0.7%, reversing Q4 2025 collapse (ROE -18.2%, ROA -1.6%).
• Leverage declined sharply: D/E fell from 1.41 in Q2 2024 to 0.22 in Q1 2026, strengthening balance sheet.
• TTM profitability deeply negative (ROE -2.0%, ROA -0.2%) despite Q1 2026 turnaround, indicating Q2–Q4 2025 drag persists.
⚠ Quarterly returns remain highly volatile: five of nine quarters posted ROE below 3% or deeply negative.
⚠ Q4 2025 catastrophic collapse (ROE -18.2%, ROIC -18.9%) followed near-zero Q2 2025 (ROE 0.1%)—root cause unclear.
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Available Research
13F Pro tracks comprehensive data for Pathfinder Bancorp, Inc. including:
Top Institutional Holders of PBHC
ALLIANCEBERNSTEIN L.P.
$6.7M473,764 shMinerva Advisors LLC
$3.3M262,204 shVANGUARD CAPITAL MANAGEMENT LLC
$1.5M116,627 shOppenheimer & Close, LLC
$1.2M91,915 shHamilton Point Investment Advisors, LLC
$490.4K38,429 shGEODE CAPITAL MANAGEMENT, LLC
$292.7K22,936 shDIMENSIONAL FUND ADVISORS LP
$285.5K22,374 shSUSQUEHANNA INTERNATIONAL GROUP, LLP
$258.2K20,232 shOSAIC HOLDINGS, INC.
$229.8K18,011 shVANGUARD FIDUCIARY TRUST CO
$216.7K16,980 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $6.7M | 473,764 |
| Minerva Advisors LLC | $3.3M | 262,204 |
| VANGUARD CAPITAL MANAGEMENT LLC | $1.5M | 116,627 |
| Oppenheimer & Close, LLC | $1.2M | 91,915 |
| Hamilton Point Investment Advisors, LLC | $490.4K | 38,429 |
| GEODE CAPITAL MANAGEMENT, LLC | $292.7K | 22,936 |
| DIMENSIONAL FUND ADVISORS LP | $285.5K | 22,374 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $258.2K | 20,232 |
| OSAIC HOLDINGS, INC. | $229.8K | 18,011 |
| VANGUARD FIDUCIARY TRUST CO | $216.7K | 16,980 |
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Popular Research
Is PBHC a good stock to buy?
13F Pro's AI-powered analysis of Pathfinder Bancorp, Inc. (PBHC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PBHC are available on the PBHC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own PBHC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PBHC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Pathfinder Bancorp, Inc.'s investment landscape.