PBHC Pathfinder Bancorp Inc

XNAS
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

PBHC — —

What changed

Recent filings, trades and moves
Key stats
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$0.1B
Employees
187
List Date
1996-05-30
CIK
0001609065
Last Earnings
Jul 29
Headquarters
Oswego, NY
Homepage
https://www.pathfinderbank.com

Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source …

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan3.87%0.23%-2.56%-0.14%-2.23%-3.12%-0.66%
Feb29.69%2.05%4.13%-12.78%2.40%7.98%5.58%
Mar0.69%26.03%-10.10%7.56%-4.47%-5.55%2.36%
Apr2.07%-3.69%-11.71%4.26%-18.64%7.63%-3.35%
May3.02%-1.63%-10.83%2.52%4.90%-3.86%-0.98%
Jun4.24%2.78%7.63%1.54%4.07%17.02%6.21%
Jul-0.06%-2.85%6.25%27.34%-2.60%0.74%4.80%
Aug0.56%0.20%-12.79%0.89%3.90%-2.54%-1.63%
Sep-1.64%1.85%5.02%-0.06%4.85%8.41%3.07%
Oct2.03%-9.22%-9.46%7.71%-2.28%1.74%-1.58%
Nov-1.18%-0.05%-4.16%0.88%-7.16%-0.24%*-1.99%
Dec1.00%-0.21%11.01%1.74%-0.96%--2.52%
Total49.66%12.68%-27.55%44.32%-19.01%29.25%14.89%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $16.90
SMA 50: $16.79
SMA 200: $15.03
Current: $16.71
EMA 12: $16.83
EMA 26: $16.87
MACD: -0.0377 | Signal: -0.0402
BULLISH
ADX (14): 22.48
WEAK TREND
+DI: 29.94
−DI: 28.11

Momentum Oscillators

RSI (14): 47.67
NEUTRAL
Stoch %K: 14.06
Stoch %D: 16.77
Williams %R: -82.81

Volume & Volatility

BB Upper: $17.39
BB Lower: $16.40
NEUTRAL
OBV: 84,620
Vol SMA 20: 2,565
Vol ROC: 892.78%
ATR: $0.40
True Range: $0.38
HV 20: 34.9%
HV 30: 41.8%
HV 60: 34.1%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-08-02T00:00:00 – 2026-11-06T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

News
All PBHC news →
Showing 1–10 of 34
Page 1 of 4

PBHC Options Activity & IV Rank

Loading options activity...
Spread Scanner
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Scanning bull put, bear call, iron condor and calendar spreads…

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Loading the implied volatility surface…

Volatility Smile

Loading the implied volatility smile…

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis

Risk Metrics

Beta: 0.0984
Alpha: 18.50%
Correlation: 0.0370
R-Squared: 0.1%
Stock Volatility: 37.2%
Market Volatility: 14.0%

Analysis Details

Benchmark: SPY
Data Points: 208
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time

PBHC Institutional Ownership (13F)

Filings for 2026-06-30 · 4 already for 2026-09-30

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

20 filers1,153,296 shares$16.91M value
# Filer Shares Value % of Total % of Float Period
1 AllianceBernstein L.P. 478,169 $6.10M 36.07% — 2026-06-30
2 Minerva Advisors LLC 262,204 $4.16M 24.62% — 2026-06-30
3 Vanguard Capital Management LLC 130,641 $2.07M 12.27% — 2026-06-30
4 Oppenheimer & Close, LLC 95,179 $1.51M 8.94% — 2026-06-30
5 Hamilton Point Investment Advisors, LLC 38,429 $648.68K 3.84% — 2026-09-30
6 Geode Capital Management, LLC Custodian 31,581 $533.21K 3.15% — 2026-09-30
7 Dimensional Fund Advisors LP Custodian 21,248 $358.67K 2.12% — 2026-09-30
8 Susquehanna International Group, LLP Custodian 19,388 $307.88K 1.82% — 2026-06-30
9 Vanguard Fiduciary Trust Co 14,784 $234.77K 1.39% — 2026-06-30
10 CALDWELL SUTTER CAPITAL, INC. 14,773 $234.59K 1.39% — 2026-06-30
11 BlackRock, Inc. Custodian 13,067 $207.50K 1.23% — 2026-06-30
12 OSAIC HOLDINGS, INC. Custodian 12,895 $204.78K 1.21% — 2026-06-30
13 BRIDGEWAY CAPITAL MANAGEMENT, LLC 10,200 $161.98K 0.96% — 2026-06-30
14 Royal Bank of Canada Custodian 5,866 $93.00K 0.55% — 2026-06-30
15 UBS Group AG Custodian 2,654 $42.15K 0.25% — 2026-06-30
16 Vanguard Global Advisers, LLC 1,636 $25.98K 0.15% — 2026-06-30
17 Morgan Stanley Custodian 495 $7.87K 0.05% — 2026-06-30
18 Tower Research Capital LLC (TRC) Custodian 85 $1.35K <0.01% — 2026-06-30
19 Citigroup Inc. Custodian 1 $17 <0.01% — 2026-09-30
20 Wells Fargo & Company Custodian 1 $9 <0.01% — 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

PBHC Insider Trading (Form 4)

Latest: 2026-06-16
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-06-16 Joseph Polniak FVP, General Counsel Buy (P) +1,000 $15.88 $15.9K EDGAR
2026-06-04 James A. Dowd President and CEO Buy (P) +1,400 $13.69 $19.2K EDGAR
2026-05-06 Melanie Littlejohn Director Exer (M) +874 $12.36 -$6.9K EDGAR
2026-05-06 James A. Dowd President and CEO Exer (M) +2,816 $11.35 $32.0K EDGAR
2026-05-06 William D O'Brien Senior Vice President Exer (M) +7,908 $11.35 $89.8K EDGAR
2026-04-10 Regina E Bass First Vice President — — — EDGAR
2026-04-10 James A. Dowd President and CEO — — — EDGAR
2026-04-10 Joseph Paul McManus Senior Vice President, CIO — — — EDGAR
2026-04-10 Joseph F Serbun Senior Vice President — — — EDGAR
2026-04-10 Robert G. Butkowski Jr. Senior Vice President — — — EDGAR
2026-04-10 Justin K. Bigham Executive Vice President, CFO — — — EDGAR
2026-04-10 Ronald G. Tascarella Senior Vice President — — — EDGAR
2026-04-10 William D O'Brien Senior Vice President — — — EDGAR
2026-04-02 Joseph Polniak FVP, General Counsel Award (A) +8,000 — EDGAR
2026-03-13 David A. Ayoub Director Exer (M) +8,787 $11.35 $99.7K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

PBHC Insider Holdings

17 insiders · @ $16.71
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Adam C. Gagas Director 184,252 $3.08M $192.9K 12 2026-03-13
2 James A. Dowd President and CEO 90,972 $1.52M $159.4K 28 2026-06-04
3 William A Barclay Director 86,456 $1.44M $459.9K 9 2025-11-21
4 Ronald Tascarella Retired Executive Vice Pres. 56,893 $950.7K $83.6K 38 2025-03-03
5 Chris R Burritt Director 56,691 $947.3K $142.5K 7 2025-05-07
6 Daniel R Phillips Senior Vice President 44,291 $740.1K -$120.3K 21 2025-02-04
7 David A. Ayoub Director 39,986 $668.2K $98.6K 8 2026-03-13
8 William D O'Brien Senior Vice President 34,675 $579.4K -$40.3K 14 2026-05-06
9 Robert G. Butkowski Jr. Senior Vice President 33,727 $563.6K $111.9K 13 2026-04-10
10 Justin K. Bigham Executive Vice President, CFO 24,005 $401.1K $0 2 2026-04-10
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

PBHC Board & Officers

As of SEC filings through Jun 16, 2026

Directors 7

Officers 9

Changes in the last 10 years (37)
Apr 2, 2026Joseph Polniak listed as FVP, General Counsel (previously First Vice President) in SEC filings
Dec 31, 2025Joseph Polniak became First Vice President
May 7, 2025Chris R Burritt reported in an SEC filing no longer being a director
Apr 25, 2025Ronald G. Tascarella listed as Senior Vice President (previously 1st Vice President) in SEC filings
Apr 25, 2025Joseph Paul McManus listed as Senior Vice President, CIO (previously Senior Vice President) in SEC filings
Mar 3, 2025Ronald Tascarella reported in an SEC filing no longer being Retired Executive Vice Pres.
Feb 24, 2025Ronald Tascarella listed as Retired Executive Vice Pres. (previously Executive Vice President) in SEC filings
Feb 4, 2025Daniel R Phillips reported in an SEC filing no longer being Senior Vice President
Nov 1, 2024Joseph Paul McManus became Senior Vice President
Sep 26, 2024Joseph F Serbun became Senior Vice President
Jul 1, 2024Justin K. Bigham became Senior Vice President, CFO
May 2, 2024The company announced the departure of Walter Rusnak as Senior Vice President, CFO in an SEC filing
Mar 13, 2024James A. Dowd listed as President and CEO (previously Interim President, CEO and COO) in SEC filings
Mar 7, 2024Robert G. Butkowski Jr. listed as Senior Vice President (previously First Vice President) in SEC filings
Jan 17, 2024Regina E Bass became First Vice President
Jan 2, 2024George P Joyce reported in an SEC filing no longer being a director
Jan 2, 2024Calvin Corriders reported in an SEC filing no longer being First Vice President
Jun 30, 2023Tony Scavuzzo became a director
Mar 22, 2023James A. Dowd listed as Interim President, CEO and COO (previously EVP, COO) in SEC filings
Oct 6, 2022Thomas W Schneider reported in an SEC filing no longer being President and CEO
Not reported recently (3)
  • Lloyd Stemple · Last reported as a director in an SEC filing dated Jun 6, 2024
  • John Funiciello · Last reported as a director in an SEC filing dated Jun 6, 2024
  • Tony Scavuzzo · Last reported as a director in an SEC filing dated Jun 6, 2024
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

PBHC Proposed Insider Sales (Form 144)

Latest: 2026-05-04
Last 30d: 0 filings  ·  Last 90d: 0 filings

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-05-04 MELANIE LITTLEJOHN Director 7,913 $106.7K 2026-05-04 Morgan Stanley Smith Barney LLC … — EDGAR
2025-06-12 WALTER F RUSNAK Officer 16,000 $241.4K 2025-06-12 Morgan Stanley Smith Barney LLC … — EDGAR
2025-06-03 WALTER F. RUSNAK Officer 191 $2.8K 2025-06-03 Morgan Stanley Smith Barney LLC … — EDGAR
2025-06-02 WALTER F. RUSNAK Officer 8,116 $119.9K 2025-06-02 Morgan Stanley Smith Barney LLC … — EDGAR
2024-12-05 Eric Allyn Affiliate 14,293 $243.0K 2024-12-05 J.P. Morgan Securities LLC — EDGAR
2024-09-16 DANIEL PHILLIPS Officer 5,000 $78.2K 2024-09-16 Morgan Stanley Smith Barney LLC … — EDGAR
2023-09-11 Daniel Phillips Officer 4,000 $52.0K 2023-09-11 Morgan Stanley Smith Barney LLC … — EDGAR
2023-08-15 CALVIN CORRIDERS Officer 10,000 $139.6K 2023-08-15 Morgan Stanley Smith Barney LLC — EDGAR
2023-08-14 CALVIN CORRIDERS Officer 3,000 $42.9K 2023-08-14 Morgan Stanley Smith Barney LLC — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-11-02
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Filing Date Event Link
2026-11-02 Earnings results EDGAR
2026-09-28 Other events EDGAR
2026-07-30 Earnings results EDGAR
2026-06-29 Other events EDGAR
2026-06-04 Shareholder vote results EDGAR
2026-06-04 Regulation FD disclosure EDGAR
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
Filing Date Accession Link
Quarterly report — unaudited financials and MD&A. Filed 40–45 days after each of the first three fiscal quarters.
Filing Date Accession Link
2026-08-13 0001193125-26-349125 EDGAR
ETF Holders
8 ETFs hold PBHC
8 shown · $2.61M total exposure · 0.01% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $1.6M — 2026-09-30
2 VXF Vanguard Extended Market ETF Vanguard 0.00% $501,792 — 2026-09-30
3 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.02% $180,865 $1.2B 2026-11-06
4 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $162,110 — 2026-11-05
5 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $81,323 — 2026-11-05
6 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $26,081 — 2026-11-05
7 DFSU Dimensional US Sustainability Core 1 ETF Dimensional 0.00% $3,582 $2.3B 2026-11-05
8 DFMC Dimensional US Micro Cap ETF Dimensional 0.00% $1,674 — 2026-11-05
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

PBHC vs Peers

Related companies, largest first
Company Market cap P/E Revenue growth YTD IV rank
BNS Bank of Nova Scotia $111.6B — — +25.2% 77
BNY Bank of New York Mellon Corporation $99.4B — — +1391.4% 33
ITUB Itau Unibanco Holding S.A. American Depo $81.5B — — +4.6% 20
DB Deutsche Bank Aktiengesellschaft $64.6B — — −7.6% 52
FITB Fifth Third Bancorp $47.9B 18.6 +24.5% +13.9% 47
STT State Street Corporation $45.0B 13.9 +2.8% +32.4% 19
MTB M&T Bank Corp. $31.3B 12.5 −0.1% +9.2% 51
PBHC Pathfinder Bancorp Inc $105M — — +18.3% —
Peer median $64.6B 13.9 +2.8% +13.9% 47

P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.