What is the 13F Pro Quality Score for PBHC?

13F Pro ranks Pathfinder Bancorp, Inc. (PBHC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PBHC's current score at https://13fpro.ai/company/PBHC (free sign-up required for the full ranking).

Where does 13F Pro source PBHC data?

All Pathfinder Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Pathfinder Bancorp, Inc. files with the SEC under CIK 1609065. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PBHC in?

Pathfinder Bancorp, Inc. (PBHC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PBHC research updated on 13F Pro?

PBHC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Pathfinder Bancorp, Inc.(PBHC)Stock Analysis

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SEC EDGAR: CIK 1609065 PBHC stock profile & AI dashboard →

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

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Why PBHC Scores 31/100

exact factor attribution · 2026-09-11

PBHC's composite is driven by earnings quality and free cash flow, held back by scale and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Earnings quality

+4.7 pts

97th pct

Free cash flow

+4.0 pts

77th pct

Shareholder dilution

+3.0 pts

95th pct

Institutional flow

-1.5 pts

28th pct

Capital efficiency

-2.0 pts

35th pct

Revenue growth

-2.3 pts

42th pct

Earnings growth

-3.1 pts

4th pct

Profitability

-4.4 pts

28th pct

Scale

-8.3 pts

8th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PBHC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Pathfinder Bancorp, Inc. (PBHC), 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. Pathfinder Bancorp, Inc.'s 13F Pro composite quality score has ranged between 25 and 33 since 2026, currently 31.3 — a stable long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Pathfinder Bancorp, Inc.

Quirks, history, and lore behind PBHC — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company in upstate New York · small-cap · listed on Nasdaq.
2
The Numbers
Total assets in the neighborhood of $1 billion — not a Wall Street titan, but a local anchor serving a tight regional footprint with traditional retail and commercial banking.
3
The History
Rooted in the 19th century, this institution has spent well over a hundred years quietly doing what community banks do: taking deposits and making loans for neighbors, not hedge funds.
4
The Secret
Its primary subsidiary is a savings bank — the kind of old-school thrift that still believes a mortgage officer should know your name before approving your loan.
5
The Lore
It operates branches clustered around Oswego County on the eastern shore of Lake Ontario — a region better known for snowfall records than financial skyscrapers.
6
The Giveaway
Its name evokes an explorer charting unknown territory, and its savings bank subsidiary is called Pathfinder Bank — headquartered in Oswego, New York.

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Revenue

Q2 2026

$11.8M

Net Income

Q2 2026

$2.7M

Free Cash Flow

Q2 2026

$2.2M

Operating Margin

Q2 2026

27.7%

ROIC

Q2 2026

5.0%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+91.8% YoY

$372.0MFY 2025

FY22 $47.3MFY23 $44.1MFY24 $194.0MFY25 $372.0M

Net Income

-157.1% YoY

$-1.9MFY 2025

FY22 $12.9MFY23 $9.3MFY24 $3.4MFY25 $-1.9M

EPS (Diluted)

—FY 2025

FY22 —FY23 —FY24 —FY25 —

Total Assets

-3.3% YoY

$1.43BFY 2025

FY22 $1.40BFY23 $1.47BFY24 $1.47BFY25 $1.43B

Total Debt

-34.1% YoY

$58.1MFY 2025

FY22 $116.0MFY23 $175.6MFY24 $88.1MFY25 $58.1M

Op. Cash Flow

+4.2% YoY

$11.7MFY 2025

FY22 $21.7MFY23 $15.4MFY24 $11.2MFY25 $11.7M

Free Cash Flow

+13.9% YoY

$10.4MFY 2025

FY22 $19.8MFY23 $13.5MFY24 $9.1MFY25 $10.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$372.0M +91.8%	$194.0M +339.8%	$44.1M -6.8%	$47.3M +6.3%	$44.5M +16.8%	$38.1M
Net Income	$-1.9M -157.1%	$3.4M -63.6%	$9.3M -28.1%	$12.9M +4.2%	$12.4M +78.5%	$7.0M
EPS (Diluted)	—	—	—	—	—	$1.17
Total Assets	$1.43B -3.3%	$1.47B +0.6%	$1.47B +4.7%	$1.40B +8.9%	$1.29B +4.7%	$1.23B
Total Debt	$58.1M -34.1%	$88.1M -49.8%	$175.6M +51.4%	$116.0M +50.5%	$77.1M -6.0%	$82.0M
Operating Cash Flow	$11.7M +4.2%	$11.2M -27.4%	$15.4M -29.0%	$21.7M +7.8%	$20.2M -56.7%	$46.6M
Free Cash Flow	$10.4M +13.9%	$9.1M -32.1%	$13.5M -32.1%	$19.8M +4.7%	$18.9M -58.2%	$45.3M

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Available Research

13F Pro tracks comprehensive data for Pathfinder Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PBHC

ALLIANCEBERNSTEIN L.P.
$6.1M478,169 sh
Minerva Advisors LLC
$4.2M262,204 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.1M130,641 sh
Oppenheimer & Close, LLC
$1.5M95,179 sh
Hamilton Point Investment Advisors, LLC
$610.3K38,429 sh
GEODE CAPITAL MANAGEMENT, LLC
$442.8K27,877 sh
DIMENSIONAL FUND ADVISORS LP
$324.7K20,445 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$307.9K19,388 sh
VANGUARD FIDUCIARY TRUST CO
$234.8K14,784 sh
CALDWELL SUTTER CAPITAL, INC.
$234.6K14,773 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$6.1M	478,169
Minerva Advisors LLC	$4.2M	262,204
VANGUARD CAPITAL MANAGEMENT LLC	$2.1M	130,641
Oppenheimer & Close, LLC	$1.5M	95,179
Hamilton Point Investment Advisors, LLC	$610.3K	38,429
GEODE CAPITAL MANAGEMENT, LLC	$442.8K	27,877
DIMENSIONAL FUND ADVISORS LP	$324.7K	20,445
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$307.9K	19,388
VANGUARD FIDUCIARY TRUST CO	$234.8K	14,784
CALDWELL SUTTER CAPITAL, INC.	$234.6K	14,773

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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. PBHC is classified as a small company.

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.