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During the past 3 years, the average Dividends Per Share Growth Rate was 5.60% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 11.20% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 9.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Pathfinder Bancorp was 91.30% per year. The lowest was -33.60% per year. And the median was 9.10% per year.
During the past 13 years, the highest Dividend Payout Ratio of Pathfinder Bancorp was 0.72. The lowest was 0.13. And the median was 0.25.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Pathfinder Bancorp Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.100000
2026-07-17
2026-07-17
2026-08-07
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.100000
2026-04-17
2026-04-17
2026-05-08
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.100000
2026-01-16
2026-01-16
2026-02-06
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.100000
2025-10-17
2025-10-17
2025-11-07
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Pathfinder Bancorp's Dividend Yield (%) for Today is calculated as
Current Share Price is $17.11.
Pathfinder Bancorp's Dividends per Share for the trailing twelve months (TTM) ended in Today is $0.4.
During the past 13 years, the highest Dividend Yield of Pathfinder Bancorp was 3.14%. The lowest was 1.27%. And the median was 1.77%.
Warning Sign:
Pathfinder Bancorp Inc stock Dividend Yield % is close to 1-year low.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pathfinder Bancorp 5-Year Dividend Growth Rate Related Terms
PBHC vs BKSC, USMT, CBKM: 5-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's 5-Year Dividend Growth Rate, along with its competitors' market caps and 5-Year Dividend Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pathfinder Bancorp 5-Year Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's 5-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's 5-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with least square regression.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 5-Year Dividend Growth Rate of 11.20% mean?
Pathfinder Bancorp (PBHC) has a 5-Year Dividend Growth Rate of 11.20% as of Jun. 2026. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on Pathfinder Bancorp and its competitors. According to the industry distribution chart, Pathfinder Bancorp ranks #305 out of 727 companies in the Banks industry, placing it in the top 42%.
Is Pathfinder Bancorp's 5-Year Dividend Growth Rate too high?
Pathfinder Bancorp's current 5-Year Dividend Growth Rate is 11.20%. The Banks industry median 5-Year Dividend Growth Rate is 8.60. Pathfinder Bancorp's value of 11.20% is 30.2% above this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #305 out of 727 companies in the Banks industry, which is above the industry midpoint. Overall, Pathfinder Bancorp has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's 5-Year Dividend Growth Rate compare to BKSC and USMT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #305 out of 727 companies for 5-Year Dividend Growth Rate. This puts Pathfinder Bancorp in the upper half of its industry. The industry median 5-Year Dividend Growth Rate is 8.60. Pathfinder Bancorp's value of 11.20% is 30.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Dividend Growth Rate for a Banks company?
The median 5-Year Dividend Growth Rate among Banks companies is 8.60, based on 727 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current 5-Year Dividend Growth Rate of 11.20% is 30.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Dividend Growth Rate mean?
A high 5-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median 5-Year Dividend Growth Rate is 8.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current 5-Year Dividend Growth Rate is 11.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pathfinder Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pathfinder Bancorp (PBHC) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.56, compared to a current price of $17.11 — trading 17.5% above its estimated fair value. The current 5-Year Dividend Growth Rate is 11.20% and 30.2% above the Banks industry median of 8.60. Pathfinder Bancorp's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Dividend Growth Rate calculated?
5-Year Dividend Growth Rate is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current 5-Year Dividend Growth Rate is 11.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pathfinder Bancorp (PBHC) Overvalued in 2026?
Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued.
The current stock price of $17.11 is trading 17.5% above its estimated GF Value™ of $14.56.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
5-Year Dividend Growth Rate: 11.20%
GF Value™: $14.56 vs. price of $17.11 (17.5% above fair value)
Industry Position: 30.2% above the Banks median (#305 of 727)
No single metric tells the full story. See the PBHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 of income is interest on loans and investment securities.
54GF Score
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5-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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