SmarterDividends
PBHC

Pathfinder Bancorp, Inc.

PBHC

Financial Services · Banks - Regional · Stock · quarterly payer

$16.70

Overvalued · -31% Add to Portfolio

Forward Yield

2.40%

Annual Dividend

$0.40

Payout Ratio

4000%

5-Yr Growth

10.8%

Ex-Date

Oct 16, 2026

Frequency

Quarterly

Key facts about PBHC's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, Pathfinder Bancorp, Inc. (PBHC) has a forward dividend yield of 2.40%, based on an annual dividend of $0.40 per share and a share price of $16.70.
  • As of Oct 18, 2026, PBHC's dividend safety grade from SmarterDividends is A (80 out of 100), which rates the dividend as very safe.
  • By SmarterDividends' count, Pathfinder Bancorp, Inc. (PBHC) has raised its dividend for 5 consecutive years as of Oct 18, 2026.
  • PBHC last cut its regular dividend in 2009.
  • PBHC's most recent ex-dividend date was Oct 16, 2026, for a dividend of $0.10 per share.
  • PBHC's dividend has grown at an average rate of 10.8% a year over the past five years.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for PBHC is $11.48 per share, 31% below the $16.70 share price, so PBHC screens as overvalued.
  • Pathfinder Bancorp, Inc. (PBHC) pays its dividend quarterly, 4 times a year.
  • Pathfinder Bancorp, Inc. (PBHC) has raised its regular dividend 16 times and cut it 1 time across the 116 payments on record since 1997. Its most recent change was a 11.1% increase to $0.100 per share, going ex-dividend on Apr 18, 2024. The last cut went ex-dividend on May 13, 2009.
Cite this page

SmarterDividends, "PBHC Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/PBHC

Summary

As of Oct 18, 2026, Pathfinder Bancorp, Inc. (PBHC) yields 2.40% ($0.40 a year per share), has a dividend safety grade of A (80/100) and has 5 consecutive years of dividend increases on record.

Is PBHC a good dividend stock?

Yes

Pathfinder Bancorp, Inc. (PBHC) pays a quarterly dividend yielding 2.40% ($0.40/yr), with 5 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Advantages

  • Strong 10.8% 5-yr dividend growth
  • Top-tier dividend safety score

Risks

  • Cut its dividend in 2009
  • Elevated payout ratio (4000%)
  • Share price is down over the past 5 years

Key Data

Dividend Yield
2.40%
Payout Ratio
4000%
Annual Dividend
$0.40
5-Yr Avg Growth
10.8%
Ex-Dividend Date
Oct 16, 2026
Years of Growth
5
Frequency
quarterly
Beta
0.12
Market Cap
$104.9M
P/E Ratio
1670.0
5-Yr Total Return
-1%
52-Week Range
$12.06 – $18.30
Dividend Safety
A · 80/100
Ever Cut?
Yes (2009)

PBHC dividend raises and cuts

Pathfinder Bancorp, Inc. (PBHC) has raised its regular dividend 16 times and cut it 1 time across the 116 payments on record since 1997. Its most recent change was a 11.1% increase to $0.100 per share, going ex-dividend on Apr 18, 2024. The last cut went ex-dividend on May 13, 2009.

Ex-dateChangeOld → newMove
Apr 18, 2024Raise$0.0900 → $0.100+11.1%
Apr 21, 2022Raise$0.0700 → $0.0900+28.6%
Apr 14, 2021Raise$0.0600 → $0.0700+16.7%
Apr 19, 2018Raise$0.0580 → $0.0600+3.4%
Jan 11, 2018Raise$0.0550 → $0.0580+5.5%
Oct 12, 2017Raise$0.0530 → $0.0550+3.8%
Jul 12, 2017Raise$0.0500 → $0.0530+6.0%
Oct 9, 2015Raise$0.0300 → $0.0500+66.7%
Jan 13, 2015Raise$0.0182 → $0.0300+64.7%
May 13, 2009Cut$0.0625 → $0.0182−70.9%
Dec 29, 2004Raise$0.0613 → $0.0625+2.0%
Oct 4, 2004Raise$0.0607 → $0.0613+1.0%
Show all 17 changes since 1998
Ex-dateChangeOld → newMove
Mar 27, 2003Raise$0.0486 → $0.0607+25.0%
Sep 26, 2002Raise$0.0425 → $0.0486+14.3%
Sep 26, 2001Raise$0.0364 → $0.0425+16.7%
Mar 29, 1999Raise$0.0304 → $0.0364+20.0%
Mar 27, 1998Raise$0.0283 → $0.0304+7.1%
Every PBHC payment →Download every raise and cut (CSV)
PBHC ex-dividend date & scheduleNext ex-date Oct 16, 2026 · full ex-dividend historyView →PBHC dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is PBHC a good dividend stock?

Yes. Pathfinder Bancorp, Inc. (PBHC) pays a quarterly dividend yielding 2.40% ($0.40/yr), with 5 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Is PBHC undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, PBHC's fair value is about $11.48 versus a $16.70 share price — so it looks overvalued (-31% vs. fair value).

Is PBHC's dividend safe?

PBHC has a dividend-safety grade of A (80/100), based on its payout coverage, free-cash-flow, 5-year growth streak, a dividend cut in 2009, debt and yield-versus-history.

What is PBHC's fair value?

Our blended fair-value estimate for PBHC is about $11.48 per share, about 31% below the current $16.70 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is PBHC a buy, hold, or sell?

We don't issue formal ratings, but on the data PBHC screens as "yes" and overvalued. Pathfinder Bancorp, Inc. (PBHC) pays a quarterly dividend yielding 2.40% ($0.40/yr), with 5 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding. This is research for your own analysis, not investment advice.

Will PBHC cut its dividend?

PBHC earns a dividend-safety grade of A (80/100), and has cut its dividend before (last in 2009). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does PBHC pay a dividend?

Yes. Pathfinder Bancorp, Inc. pays a quarterly dividend of about $0.40 per share annually, a forward yield of roughly 2.40%.

What is PBHC's dividend yield?

As of Oct 18, 2026, PBHC's forward dividend yield is 2.40%, based on a $0.40 annual dividend and a $16.70 share price.

What is PBHC's dividend per share?

As of Oct 18, 2026, PBHC pays $0.40 per share per year, distributed on a quarterly basis.

What is PBHC's dividend payout ratio?

As of Oct 18, 2026, PBHC's payout ratio is 4000% of trailing 12-month earnings — an elevated level worth watching, as it leaves less cushion if earnings dip.

How many years has PBHC grown its dividend?

As of Oct 18, 2026, PBHC has increased its dividend for 5 consecutive years.

When is the next PBHC ex-dividend date?

As of Oct 18, 2026, PBHC's next ex-dividend date hasn't been announced. The most recent was Oct 16, 2026, for $0.10 per share.

Income Calculator

At $0.40 / yr per share

Per payment (quarterly)$10.00
Annual$40.00
Monthly avg$3.33

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