Pathfinder Bancorp Announces $0.10 Dividend, EPS Expected to Fall by 24.8%

Pathfinder Bancorp will pay a $0.10 dividend on November 7th, but the company's dividend yield of 2.6% is typical. However, Pathfinder Bancorp has a history of paying dividends for over 10 years, but its last earnings report showed it went over its net earnings in its total dividend distribution, which is concerning. The company's EPS could fall by 24.8% over the next year, and the payout ratio in 12 months could be 207%, which is high and unsustainable.

Pathfinder Bancorp, Inc. (NASDAQ: PBHC), a holding company for Pathfinder Bank, has declared a quarterly cash dividend of $0.10 per share for the third quarter of 2025. The dividend, payable on November 7, 2025, to shareholders of record as of October 17, 2025, represents a 2.61% yield at the current stock price of $15.34 Pathfinder Bancorp declares $0.10 quarterly dividend^[1].

This announcement follows a series of recent dividend declarations by Pathfinder Bancorp, including a $0.10 per share dividend for the second quarter of 2025, payable on August 8, 2025 Pathfinder Bancorp declares $0.10 quarterly dividend^[1]. The company has maintained dividend payments for 30 consecutive years, with increases in the last four years Pathfinder Bancorp declares $0.10 quarterly dividend^[1].

However, the latest earnings report has raised concerns. Pathfinder Bancorp's net earnings in its total dividend distribution exceeded its net earnings, which is a worrying sign. Additionally, the company's earnings per share (EPS) is projected to fall by 24.8% over the next year, and the payout ratio could reach 207% within 12 months, which is considered high and unsustainable Pathfinder Bancorp, Inc. Stock^[2].

The company's dividend yield of 2.6% is typical, but the high payout ratio suggests that the company may be relying heavily on dividends to return value to shareholders, which could potentially strain its financial health. Investors should closely monitor the company's financial performance and dividend policy to ensure the sustainability of its dividend payments.