PBHC NASDAQ Week ended 07 Aug 2026

Weekly Investor Report

Pathfinder Bancorp Inc · Financial Services · Banks - Regional

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Latest close 16.50 USD
0.9% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 15.4% above the Trend Line and sits at 85.1% of its 52-week range. The latest completed week returned 0.9%, after a 3.8% four-week move. The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive. The latest news-sentiment score is 51/100. Near-term considerations: volume confirmation is below normal.

Setup score 52 out of 100
Latest Close 16.50 USD 7 Aug 2026
1W Return 0.9% latest completed week
4W Return 3.8% short-term follow-through
12W Return 22.3% quarterly tape
Trend Breadth 21.2% 11 of 52 weeks active
Volume Ratio 0.4x vs 13-week average
What is working
  • The trend backdrop is active with a 8-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • Next-week expectancy is negative at 44.66% based on similar historical setup states.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 0.9% Latest completed week; four-week move 3.8%. Indicator stack 39/69 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Negative 44.66% Historical one-week expectancy contributes to the evidence score when direction is confirmed. News sentiment 51/100 26 relevant articles in the latest sentiment read.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 15.4% above the Trend Line and sits at 85.1% of its 52-week range. The latest completed week returned 0.9%, after a 3.8% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 0.4x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul 7 Aug
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.8212-week average 0.50

12-week confirmation

Trend active8/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership4/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.82Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers

No recent accumulation markers. No reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 3.8% over four weeks, 22.3% over 12 weeks, and 16.3% over one year. The current trend has remained active for 8 consecutive weeks.

Performance by holding period

1W0.9%
4W3.8%
12W22.3%
26W28.2%
52W16.3%
Active trend streak8 weeks
Active weeks in one year11
Trend breadth21.2%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.23Latest activity-pressure read.
Pressure change-33.4%Four-week change in activity pressure.
Leadership0.41Latest relative-leadership reading.
RS change109.3%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive.

Open full factor analysis
Factor week 09 Aug 2026 Financial statements through 30 Jun 2026 Field coverage 91% Model confidence 91%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength49/100Blend of value, momentum, and quality. Underlying universe rank 52; rank 1 is best.
Value78/100Relative valuation strength. Underlying universe rank 23; rank 1 is best.
Quality10/100Profitability and accounting quality. Underlying universe rank 91; rank 1 is best.
Momentum27/100Medium-term price momentum. Underlying universe rank 74; rank 1 is best.
Growth21/100Revenue and earnings growth. Underlying universe rank 80; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
-
Price divided by trailing earnings.
Price / sales
1.3x
Market value relative to trailing revenue.
EV / EBITDA
-
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
4.6%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
43.0%
Gross profit retained from each unit of revenue.
Operating margin
-1.3%
Operating profit retained from revenue.
Free-cash-flow margin
15.9%
Free cash flow generated from revenue.
Return on invested capital
-0.3%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
-3.4%
Latest one-year revenue growth.
EPS growth
-
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
4/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
2.4%
Cash dividends relative to market value.
Buyback yield
-0.6%
Net share repurchases relative to market value.
Shareholder yield
1.8%
Dividend yield plus net buyback yield.
Net debt / EBITDA
-4348.4x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Insider activity5 / 4

5 acquisitions and 4 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment51/100

Weighted news tone is neutral across 26 relevant articles.

6 positive · 14 neutral · 6 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings-No event is currently stored.
Options expected move-Nearest-chain priced movement where available.
52-week drawdown-4.6%Distance below the 52-week high.
13-week volatility4.3%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher13 of 2613 weeks finished lower.
Best week+10.8%Week of 12 Jun.
Worst week-4.8%Week of 20 Mar.
Latest week+0.9%Week of 7 Aug.

Shape of recent returns

Strong gains5
Modest gains8
Flat weeks0
Modest losses12
Sharp losses1
Recent vol4.3%13-week weekly-return volatility.
Base vol3.3%52-week weekly-return volatility.
Up/down split26/26Count of positive and negative weeks in the 52-week window.
Average skew2.9% / -2.2%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape48/100

Trend, activity pressure, participation, and risk combine to a 48/100 tape read.

 Indicator analysis67/100

Latest 12-week confirmation: trend 8/12, activity pressure 12/12, relative leadership 4/12.

Activity pressure 0.82; No reversal markers Next-Week ExpectancyNegative 44.66%

Next-week expectancy is negative with a 44.66% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors40/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 76; Small Cap Core rank 27 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Sentiment51/100

Weighted news tone is neutral across 26 relevant articles.

Price to book forward of Pathfinder Bancorp, Inc. – NASDAQ:PBHC Insiders5 / 4

5 acquisitions and 4 disposals in the latest 180-day insider tape.

 Earnings50/100

No stored earnings event is currently attached to this ticker.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
7 Aug 202616.50 USD0.9%14.30 USD14.14 USD1.230.4121.0KOn
31 Jul 202616.35 USD2.8%14.22 USD14.12 USD1.454.3920.9KOn
24 Jul 202615.90 USD-3.0%14.14 USD14.11 USD1.591.9045.1KOn
17 Jul 202616.39 USD3.1%14.06 USD14.10 USD1.823.11124.7KOn
10 Jul 202615.90 USD-0.9%13.98 USD14.08 USD1.84-4.37148.0KOn
3 Jul 202616.05 USD-1.5%13.94 USD14.06 USD1.85-2.1044.3KOn
26 Jun 202616.30 USD-2.8%13.87 USD14.04 USD1.69-0.07128.3KOn
19 Jun 202616.77 USD9.2%13.79 USD14.02 USD1.53-2.1251.6KOn
12 Jun 202615.36 USD10.8%13.69 USD13.99 USD1.26-8.3089.1KOff
5 Jun 202613.87 USD1.2%13.67 USD13.98 USD1.06-15.8218.8KOff
29 May 202613.70 USD-1.4%13.70 USD13.96 USD1.18-21.1152.5KOff
22 May 202613.90 USD3.0%13.74 USD13.96 USD1.19-18.328.0KOff
15 May 202613.49 USD-3.6%13.77 USD13.94 USD1.00-20.4118.7KOff
8 May 202613.99 USD-1.8%13.81 USD13.93 USD0.82-18.3434.1KOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.

Evidence context