Pathfinder Bancorp, Inc.(PBHC)— Stock Profile, AI Score & Financials

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%

PBHC key financials by period

Pathfinder Bancorp, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
PeriodFormRevenueNet incomeOperating margin
FY 202510-K$372.0M$-1.9M-1.1%
FY 202410-K$194.0M$3.4M2.7%
FY 202310-K$44.1M$9.3M26.7%
FY 202210-K$47.3M$12.9M33.2%
FY 202110-K$44.5M$12.4M35.9%
FY 202010-K$38.1M$7.0M21.9%

Institutions holding PBHC

Institutional investors reporting a position in Pathfinder Bancorp, Inc. on SEC Form 13F.
InstitutionSharesValueReported
ALLIANCEBERNSTEIN L.P.478,169$6.1M2026-06-30
Minerva Advisors262,204$4.2M2026-06-30
VANGUARD CAPITAL MANAGEMENT130,641$2.1M2026-06-30
Oppenheimer & Close95,179$1.5M2026-06-30
Hamilton Point Investment Advisors38,429$610.3K2026-06-30
GEODE CAPITAL MANAGEMENT27,877$442.8K2026-06-30
DIMENSIONAL FUND ADVISORS20,445$324.7K2026-06-30
SUSQUEHANNA INTERNATIONAL GROUP, LLP19,388$307.9K2026-06-30
VANGUARD FIDUCIARY14,784$234.8K2026-06-30
CALDWELL SUTTER CAPITAL14,773$234.6K2026-06-30
PBHC

Pathfinder Bancorp, Inc.

PBHC
NasdaqSmall CapFinancials

13F Pro Quality Score

31.3/100

Rank #2,462 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

41.5/100

Profitability

27.8/100

Balance Sheet

34.6/100

Earnings Quality

96.7/100

Free Cash Flow

76.5/100

Institutional Flow

27.7/100

Revenue Scale

8.3/100

Dilution Risk

94.7/100

Price Chart

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Key Metrics

Revenue

Q2 2026
EDGAR

$11.76M

Net Income

Q2 2026
EDGAR

$2.67M

Operating Margin

Q2 2026
EDGAR

27.7%

ROIC

Q2 2026
EDGAR

5.0%

Free Cash Flow

Q2 2026
EDGAR

$2.18M

Financial Trends

Revenue & Net Income

Earnings Per Share

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