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Pathfinder Bancorp, Inc. is projected to rise to $23.22 by 2027, a +42% move from its current price of $16.35. PBHC is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean strong buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 8/3/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Aug 5 | $16.16 | $16.37 | $16.58 | +0.10% |
| Aug 6 | $16.09 | $16.38 | $16.68 | +0.20% |
| Aug 7 | $16.04 | $16.40 | $16.76 | +0.29% |
| Aug 8 | $16.00 | $16.41 | $16.84 | +0.39% |
| Aug 9 | $15.97 | $16.43 | $16.91 | +0.49% |
| Aug 10 | $15.94 | $16.45 | $16.97 | +0.59% |
| Aug 11 | $15.92 | $16.46 | $17.03 | +0.69% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $15.92 | $16.46 | $17.03 | +0.69% |
| Week 2 | $15.80 | $16.58 | $17.39 | +1.38% |
| Week 3 | $15.74 | $16.69 | $17.69 | +2.08% |
| Week 4 | $15.71 | $16.80 | $17.98 | +2.78% |
| Week 5 | $15.69 | $16.92 | $18.25 | +3.49% |
| Week 6 | $15.69 | $17.04 | $18.50 | +4.20% |
| Week 7 | $15.69 | $17.15 | $18.76 | +4.92% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
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 primarily serves individuals, families, small to mid-size businesses, and municipalities.
Its 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; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business.
Pathfinder Bancorp was founded in 1859 and is headquartered in Oswego, New York.
Pathfinder Bancorp, Inc. (PBHC) trades as a Financial Services stock. The current price is $16.39 with a market capitalization of $102.54M and a rank of 3926.
The price outlook shows a rising trajectory across the years, with the 2026 average price at $16.39 and continued growth through 2050, when the average price is forecast at $202.20. Notable yearly averages include $23.31 in 2027, $26.36 in 2028, $31.79 in 2029, $33.61 in 2030, $93.14 in 2040, and $202.20 in 2050. The forecast also lists corresponding ROIs, with 0% in 2026, rising to 105.1% in 2030, 468.3% by 2040, and 1133.7% by 2050.
A major floor 22.0% below — a decisive break under it would weaken the trend.
Price is testing support right now (2.9% away) — a key level to hold.
The nearest ceiling, 3.2% above — a clean break opens room to run.
A major ceiling 6.2% above — clearing it would confirm fresh momentum.
Key PBHC support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of PBHC market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $16.13 | Buy | $16.18 | Buy |
| MA 10 | $16.05 | Buy | $16.12 | Buy |
| MA 20 | $16.09 | Buy | $16.04 | Buy |
| MA 50 | $15.40 | Buy | $15.50 | Buy |
| MA 100 | $14.42 | Buy | $14.92 | Buy |
| MA 200 | $14.31 | Buy | $14.66 | Buy |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 60.85 | Neutral |
| Stoch RSI (14) | 66.36 | Neutral |
| CCI (20) | 108.63 | Buy |
| Williams %R (14) | -27.42 | Info |
| MACD (12,26,9) | -0.04 | Sell |
| ROC (12) | 0.68 | Buy |
| Bollinger %B (20,2) | 0.85 | Neutral |
| Stochastic %K (14) | 72.58 | Neutral |
| TRIX (15) | 0.19 | Buy |
| Awesome (5,34) | 0.06 | Buy |
| Ultimate (7,14,28) | 70.62 | Sell |
| Momentum (10) | -0.04 | Sell |
| Aroon Osc (25) | 36.00 | Buy |
| Hull MA (9) | 16.23 | Buy |
| ADX (14) | 16.26 | Neutral |
| ATR (14) | 0.15 | Info |
The 30-day technical picture is bullish. RSI14 is 60, with a 50-day moving average of $14.90 and a 200-day moving average of $14.28. The stock sits above a support level of $13.87 and below a resistance level of $16.87. The 30-day price range runs from $14.75 to $18.21. Annualized volatility is 30%.
Overall, the near-term setup suggests guarded upside with the price currently approaching resistance near $16.87 while maintaining a bullish tilt in the broader trend.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $12.16 | $16.35 | $22.64 | 0% | Neutral | |
| $19.04 | $23.22 | $29.58 | +42% | Bullish | |
| $20.80 | $25.85 | $33.84 | +58% | Bullish | |
| $24.59 | $31.03 | $41.50 | +90% | Bullish | |
| $26.12 | $33.41 | $45.49 | +104% | Bullish | |
| $26.67 | $34.53 | $47.78 | +111% | Bullish | |
| $30.55 | $40.00 | $56.13 | +145% | Bullish | |
| $34.80 | $46.06 | $65.48 | +182% | Bullish | |
| $41.47 | $55.43 | $79.74 | +239% | Bullish | |
| $46.08 | $62.17 | $90.44 | +280% | Bullish | |
| $63.25 | $89.02 | $135.72 | +444% | Bullish | |
| $129.56 | $195.58 | $319.68 | +11.0x | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| August 2026 | $12.16 | $16.35 | $20.06 | +0.00% |
| September 2026 | $15.11 | $17.71 | $21.22 | +8.31% |
| October 2026 | $15.18 | $17.88 | $21.59 | +0.97% |
| November 2026 | $15.17 | $17.94 | $21.79 | +0.33% |
| December 2026 | $15.62 | $18.53 | $22.64 | +3.32% |
Click any year to see its month-by-month PBHC forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
By 2026, PBHC could reach as high as $22.64, with a base case around $16.35 and support toward $12.16 — roughly 0% from $16.35. Price action looks broadly range-bound.
Expect PBHC to range from $19.04 to $29.58 through 2027. The $23.22 average target implies a +42% move from current prices. That is up +42% on the projected 2026 average. Buyers look set to stay in control over this stretch.
The PBHC price prediction for 2028 points to an average of $25.85 (low $20.80, high $33.84) — a potential gain of +58% on today's $16.35. Momentum favours further upside here.
In 2029, PBHC is projected to trade between $24.59 and $41.50, averaging $31.03 — a potential gain of +90% from today's $16.35. That is up +20% on the projected 2028 average. Buyers look set to stay in control over this stretch.
Pathfinder Bancorp, Inc.'s 2030 outlook centres on $33.41, within a $26.12 to $45.49 range. That is up +8% on the projected 2029 average. That marks a +104% change versus current levels. Momentum favours further upside here.
By 2031, PBHC could reach as high as $47.78, with a base case around $34.53 and support toward $26.67 — roughly +111% from $16.35. Buyers look set to stay in control over this stretch.
Expect PBHC to range from $30.55 to $56.13 through 2032. The $40.00 average target implies a +145% move from current prices. That is up +16% on the projected 2031 average. Momentum favours further upside here.
The PBHC price prediction for 2033 points to an average of $46.06 (low $34.80, high $65.48) — a potential gain of +182% on today's $16.35. Buyers look set to stay in control over this stretch.
In 2034, PBHC is projected to trade between $41.47 and $79.74, averaging $55.43 — a potential gain of +239% from today's $16.35. That is up +20% on the projected 2033 average. Momentum favours further upside here.
Pathfinder Bancorp, Inc.'s 2035 outlook centres on $62.17, within a $46.08 to $90.44 range. That is up +12% on the projected 2034 average. That marks a +280% change versus current levels. Buyers look set to stay in control over this stretch.
By 2040, PBHC could reach as high as $135.72, with a base case around $89.02 and support toward $63.25 — roughly +444% from $16.35. Momentum favours further upside here.
Expect PBHC to range from $129.56 to $319.68 through 2050. The $195.58 average target implies a +11.0x move from current prices. That is up +120% on the projected 2040 average. Buyers look set to stay in control over this stretch.
Investing $1,000 in PBHC today (≈ 61.16208 PBHC) could be worth
$11,962.29
+$10,962.29 (+1096%) by 2050 · US Dollar
Based on the average projected PBHC price of $195.58 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in PBHCwould be worth at today's price.
$1,000 invested in PBHC on Jul 31, 2025 (≈ 68.352699 PBHC) would be worth
$1,117.57
+$117.57 (+11.8%) today · 1.12× · US Dollar
Based on a PBHC entry price of $14.63 vs. today's $16.35.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $15.9 | $1,028.3 | +2.8% |
| 1 month ago | $16.23 | $1,007.39 | +0.7% |
| 3 months ago | $14.25 | $1,147.37 | +14.7% |
| 6 months ago | $13.68 | $1,195.18 | +19.5% |
| 1 year ago | $14.63 | $1,117.57 | +11.8% |
| All time (5.0y) ago | $16.28 | $1,004.3 | +0.4% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our PBHC forecast.
Our base-case forecast reaches $33.00 around 2030.
Implied market cap at $33.00: $160.92M
The multi-year forecast shows a bullish trajectory with rising averages and increasing ROIs. For 2027 the average price is $23.31 with an implied ROI of 42.2; for 2028 the average is $26.36 with a 60.8 ROI; for 2029 the average is $31.79 with a 94 ROI; and for 2030 the average is $33.61 with a 105.1 ROI. The path continues higher through 2031 ($35.12 avg, 114.3 ROI) and 2032 ($41.42 avg, 152.7 ROI), then accelerates in 2033 ($47.09 avg, 187.3 ROI) and 2034 ($56.92 avg, 247.3 ROI).
By 2040 the average is $93.14 with a 468.3 ROI, and by 2050 the average reaches $202.20 with a 1133.7 ROI. The sentiment remains BULLISH across these later years. These figures are estimates and not guarantees, and actual results may differ due to market conditions and other factors.
Tap a question to reveal the answer.
The 2030 forecast shows an average price of $33.61 with a minimum of $26.27 and a maximum of $45.80, and an ROI of 105.1. The sentiment is BULLISH.
Forecasts show rising averages and bullish sentiment in successive years, with 2027 avg $23.31, 2028 avg $26.36, 2029 avg $31.79, 2030 avg $33.61, 2040 avg $93.14, and 2050 avg $202.20, along with positive ROIs such as 42.2 in 2027, 60.8 in 2028, 94 in 2029, 105.1 in 2030, 468.3 in 2040, and 1133.7 in 2050. These are estimates and not guarantees.
Yes. The 2031 forecast shows an average $35.12 with a maximum of $48.62, indicating a potential to exceed $40 in that year (2031) with a bullish sentiment.
Current price is $16.39 and market cap is $102.54M.
The 2040 forecast shows a minimum of $66.15, an average of $93.14, and a maximum of $142.04, with an ROI of 468.3 and a bullish sentiment.
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