Polniak Joseph
Transaction: 06/15/2026
BUY
Change
+1,000
Price
$15.88
Filing
06/16/2026
Type
BUY
Pathfinder Bancorp, Inc.
PBHC • Banks - Regional
$15.79
▲ +0.19 (+1.22%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$77.70M
Growth
8.6%
Cash Flow
5/5
Trend
Stable
Evidence
Positive free cash flow · 1.66Consistent free cash flow · 5/5Manageable debt level · 0.89Healthy liquidity · 26.41Negative growth trend
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 14, 2026, 12:25 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$15.79
Change1.22%
Shares Out4.92M
Market Cap$77.70M
Enterprise Value$-136.32M
52W Range12.06 - 17.40
Beta0.13
P/E-57.94
P/S0.98
P/B0.62
P/FCF6.13
EV/Sales-1.73
Price$15.79
Change1.22%
Shares Out4.92M
Market Cap$77.70M
Enterprise Value$-136.32M
52W Range12.06 - 17.40
Beta0.13
P/E-57.94
P/S0.98
P/B0.62
P/FCF6.13
EV/Sales-1.73
EV/EBITDA201.06
EV/FCF-10.75
Earnings Yield-1.73%
FCF Yield16.32%
Dividend Yield1.95%
Gross Margin38.52%
Oper. Margin-5.17%
Profit Margin-4.32%
Debt/Eq0.89
Current Ratio26.41
Quick Ratio26.41
Revenue 5Y8.60%
FCF 5Y7.21%
Volume8.05K
Avg Volume9.52K
Investment DNA
How strong this company looks for long-term investors
59
out of 100
Business Quality
Margins, moat, returns
27/100
Financial Strength
Debt, cash, stability
70/100
Growth Potential
Revenue and expansion
32/100
Price Attractiveness
Cheap or expensive today
94/100
Why this score▼
Positive free cash flow · 1.66Consistent free cash flow · 5/5Manageable debt level · 0.89Healthy liquidity · 26.41Negative growth trendWeak profitability
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
Dowd James A.
Transaction: 06/02/2026
BUY
Change
+1,400
Price
$13.69
Filing
06/04/2026
Type
BUY
Dowd James A.
Transaction: 05/04/2026
SELL
Change
-2,816
Price
$11.35
Filing
05/06/2026
Type
SELL
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| Polniak Joseph | BUY | +1,000 | $15.88 | 06/15/2026 | 06/16/2026 |
| Dowd James A. | BUY | +1,400 | $13.69 | 06/02/2026 | 06/04/2026 |
| Dowd James A. | SELL | -2,816 | $11.35 | 05/04/2026 | 05/06/2026 |
| Dowd James A. | BUY | +2,816 | $11.35 | 05/04/2026 | 05/06/2026 |
| O'Brien William D | SELL | -7,908 | $11.35 | 05/04/2026 | 05/06/2026 |
| O'Brien William D | BUY | +7,908 | $11.35 | 05/04/2026 | 05/06/2026 |
| Littlejohn Melanie | SELL | -8,787 | $11.35 | 05/04/2026 | 05/06/2026 |
| Littlejohn Melanie | SELL | -7,913 | $13.48 | 05/04/2026 | 05/06/2026 |
| Dowd James A. | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Bigham Justin K. | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Butkowski Robert G. Jr. | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| McManus Joseph Paul | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| O'Brien William D | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Serbun Joseph F | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Tascarella Ronald G. | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Bass Regina E | OTHER | 0 | Not reported | 04/08/2026 | 04/10/2026 |
| Polniak Joseph | BUY | +8,000 | Not reported | 03/31/2026 | 04/02/2026 |
| Gagas Adam C. | SELL | -8,787 | $11.35 | 03/13/2026 | 03/13/2026 |
| Gagas Adam C. | BUY | +8,787 | $11.35 | 03/13/2026 | 03/13/2026 |
| Dowd James A. | SELL | -6,000 | $11.35 | 03/13/2026 | 03/13/2026 |