Pathfinder Bancorp, Inc.
PBHCFinancial Services · Stock · quarterly payer
Forward Yield
2.44%
Annual Dividend
$0.40
Payout Ratio
33%
5-Yr Growth
10.8%
Ex-Date
Jul 17, 2026
Frequency
Quarterly
Summary
As of July 2026, Pathfinder Bancorp, Inc. (PBHC) yields 2.44% ($0.40 per share annually), with a blended fair-value estimate of $36.35 — +122% upside, so it screens as undervalued. Dividend safety grade: A (87/100). 5 years of dividend growth.
Is PBHC a good dividend stock?
YesPathfinder Bancorp, Inc. (PBHC) pays a quarterly dividend yielding 2.44% ($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
- Comfortable payout ratio (33%)
- Strong 10.8% 5-yr dividend growth
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
Key Data
- Dividend Yield
- 2.44%
- Payout Ratio
- 33%
- Annual Dividend
- $0.40
- 5-Yr Avg Growth
- 10.8%
- Ex-Dividend Date
- Jul 17, 2026
- Years of Growth
- 5
- Frequency
- quarterly
- Beta
- 0.13
- Market Cap
- $100.4M
- P/E Ratio
- —
- 5-Yr Total Return
- 1%
- 52-Week Range
- $12.06 – $17.40
- Dividend Safety
- A · 87/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
PBHC Price — Last 12 Months
Daily close
Price Return
1 Year
+10%
3 Years
+23%
5 Years
+1%
52-Week Range
$12.06 – $17.40
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is PBHC worth?
Undervaluedlow confidenceOur blended fair-value estimate for Pathfinder Bancorp, Inc. is $36.35 per share, versus a market price of $16.39. That implies 122% of upside — a margin of safety of about 55%.
Fair Value
$36.35
Current Price
$16.39
Upside
+122%
Margin of Safety
55%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 10.8% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 10.8% stage-1 growth, 2.5% terminal growth, -$0.41 EPS, $0.40 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
PBHC Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 17, 2026 | — | $0.1000 | regular |
| Apr 17, 2026 | — | $0.1000 | regular |
| Jan 16, 2026 | — | $0.1000 | regular |
| Oct 17, 2025 | — | $0.1000 | regular |
| Jul 18, 2025 | — | $0.1000 | regular |
| Apr 17, 2025 | — | $0.1000 | regular |
| Jan 17, 2025 | — | $0.1000 | regular |
| Oct 18, 2024 | — | $0.1000 | regular |
| Jul 19, 2024 | — | $0.1000 | regular |
| Apr 18, 2024 | — | $0.1000 | regular |
| Jan 11, 2024 | — | $0.0900 | regular |
| Oct 19, 2023 | — | $0.0900 | regular |
| Jul 20, 2023 | — | $0.0900 | regular |
| Apr 21, 2023 | — | $0.0900 | regular |
Income Calculator
At $0.40 / yr per share
