Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Pathfinder Bancorp, Inc. (PBHC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PBHC at 31.3/100 on a 32-signal composite quality model, placing it at rank #2,462 of 2,962 stocks — the bottom half of the AI-ranked universe. PBHC scores in the top quartile across earnings quality (96.7), free cash flow (76.5). Areas of concern include revenue scale (8.3) and institutional flow (27.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Pathfinder Bancorp, Inc. reports quarterly revenue of $11.8M, net income of $2.7M, an operating margin of 27.7%. 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.
AI Quality Score
31.3/100
AI Rank
#2,462
Revenue
$11.8M
Net Income
$2.7M
Free Cash Flow
$2.2M
Operating Margin
27.7%
| Period | Form | Revenue | Net income | Operating margin |
|---|---|---|---|---|
| FY 2025 | 10-K | $372.0M | $-1.9M | -1.1% |
| FY 2024 | 10-K | $194.0M | $3.4M | 2.7% |
| FY 2023 | 10-K | $44.1M | $9.3M | 26.7% |
| FY 2022 | 10-K | $47.3M | $12.9M | 33.2% |
| FY 2021 | 10-K | $44.5M | $12.4M | 35.9% |
| FY 2020 | 10-K | $38.1M | $7.0M | 21.9% |
| Institution | Shares | Value | Reported |
|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | 478,169 | $6.1M | 2026-06-30 |
| Minerva Advisors | 262,204 | $4.2M | 2026-06-30 |
| VANGUARD CAPITAL MANAGEMENT | 130,641 | $2.1M | 2026-06-30 |
| Oppenheimer & Close | 95,179 | $1.5M | 2026-06-30 |
| Hamilton Point Investment Advisors | 38,429 | $610.3K | 2026-06-30 |
| GEODE CAPITAL MANAGEMENT | 27,877 | $442.8K | 2026-06-30 |
| DIMENSIONAL FUND ADVISORS | 20,445 | $324.7K | 2026-06-30 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 19,388 | $307.9K | 2026-06-30 |
| VANGUARD FIDUCIARY | 14,784 | $234.8K | 2026-06-30 |
| CALDWELL SUTTER CAPITAL | 14,773 | $234.6K | 2026-06-30 |
13F Pro Quality Score
Rank #2,462 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk