Stock analysis, trade plans, and proprietary indicators by Trend Edge.
Trend Edge Setup Score
Trend Edge rates PBHC Bearish with a Setup Score of 0, net conviction 31, actionability 0. How the Setup Score works →
Total Setup Score
0
Directional Bias
Bearish
Net Conviction
31
Actionability
0 (no mans land)
Key signals behind this score
Fresh Breakdown — 200wk turn 49w+80wk turn 20w
80wk Downtrend — trend only (sma 14.94 vs px 15.91)
200wk Downtrend — trend only (sma 15.23 vs px 15.91)
Funds Distributing — momZ +1.60 · 0.24→0.23
Short Attack — velZ +1.74 · age 34w×0.92 · 0.25%
About Pathfinder Bancorp Inc
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; ho… Read full Trend Edge analysis →
Sector: Financial Services
Industry: Banks-Regional
Exchange: NASDAQ
IPO Date: May 30, 1996
Headquarters: 214 West First Street, Oswego, NY, United States, 13126
Hidden Gem: Yes — undiscovered relative to its market cap tier
Founder-Led: No
Key Metrics
Current Price
$16.00
Market Cap
$99.5M
Float
3.6M
Shares Outstanding
4.9M
P/E (Forward)
11.29
Price/Sales (TTM)
3.32
Profit Margin
-8.32%
Operating Margin (TTM)
27.13%
Revenue (TTM)
$30.0M
Earnings Growth (YoY)
-19.70%
Dividend Rate
0.4%
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$48.2M
$7.0M
$32.7M
$9.7M
2021
$51.0M
$12.4M
$42.5M
$17.8M
2022
$56.4M
$12.9M
$43.9M
$16.4M
2023
$71.8M
$9.3M
$40.1M
$13.1M
2024
$83.5M
$3.4M
$35.1M
$6.5M
2025
$79.1M
-$3.4M
$30.5M
-$1.9M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Jun 2025
$17.7M
$31,000
Sep 2025
$21.2M
$626,000
Dec 2025
$19.6M
-$7.0M
Mar 2026
$18.8M
$2.4M
Ownership & Float
Insider Ownership
23.0%
Institutional Ownership
33.1%
Short Float
0.3%
% of All Funds Holding
0.23%
Number of Funds Holding
19
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$14.98
Near-term / short-term trend
Weekly
40-Week SMA
$14.23
Medium-term trend
Weekly
80-Week SMA
$14.94
Cyclical trend (business cycle)
Weekly
200-Week SMA
$15.24
Secular trend (multi-year)
Monthly
10-Month SMA
$14.22
Near-term monthly trend
Monthly
20-Month SMA
$14.97
Medium-term monthly trend
Monthly
40-Month SMA
$14.58
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Pathfinder Bancorp Inc
(PBHC) powered by Claude Opus — Anthropic's most capable AI model.
The analysis covers five layers:
technical analysis (near-term, medium-term, cyclical, and secular trend, momentum,
volume shelf support and resistance, breakout and breakdown signals),
qualitative analysis (business model, competitive moat, sector dynamics),
insider sentiment (buy and sell signals from executive and director transactions),
share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and
fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit,
stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward.
Whether you are building a long position, initiating a short, or looking for a reversal setup,
AI Consult identifies the highest-probability signal from the current trend.