Home › Calculator › PBHC Dividend Calculator 2026
PBHC DRIP Calculator & Dividend Yield 2026
2.39% YieldFinancial ServicesPathfinder Bancorp, Inc. · NASDAQ
Price: $16.72 · Annual div: $0.4000/share · Frequency: quarterly · Payout ratio: N/A · Ex-div: 2026-10-16
Calculator settings
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
PBHC Dividend Yield
PBHC (Pathfinder Bancorp, Inc.) has a dividend yield of 2.39%, based on an annual dividend of $0.4000 per share and a price of $16.72. Over the last 12 months it paid $0.4000 per share — a trailing yield of 2.39%. Dividends are paid quarterly.
Yield history: over the last 12 payments, PBHC's 12-month yield ranged from 2.34% to 3.77%. Full PBHC dividend history ↓
Yield on cost: if PBHC's dividend keeps growing 4.5% a year, a purchase at today's price would yield 2.98% after 5 years, 3.72% after 10 years and 5.77% after 20 years on the original investment.
PBHC DRIP Rate: How Many Shares Your Dividends Buy
With dividends reinvested, a PBHC position grows its share count by about 2.42% in the first year at today's price and yield.
💡 What-if scenarios
Click to apply scenario to the calculator
🎯 When PBHC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
PBHC Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-10-16Latest | 2026-11-06 | $0.1000 | 2.99% | $16.71 |
| 2026-07-17 | 2026-08-07 | $0.1000 | 3.08% | $16.23 |
| 2026-04-17 | 2026-05-08 | $0.1000 | 3.10% | $12.92 |
| 2026-01-16 | 2026-02-06 | $0.1000 | 3.54% | $14.12 |
| 2025-10-17 | 2025-11-07 | $0.1000 | 3.25% | $15.37 |
| 2025-07-18 | 2025-08-08 | $0.1000 | 3.33% | $15.02 |
| 2025-04-17 | 2025-05-09 | $0.1000 | 2.97% | $16.85 |
| 2025-01-17 | 2025-02-07 | $0.1000 | 2.34% | $17.06 |
| 2024-10-18 | 2024-11-08 | $0.1000 | 2.46% | $15.83 |
| 2024-07-19 | 2024-08-09 | $0.1000 | 2.88% | $13.19 |
| 2024-04-18 | 2024-05-10 | $0.1000 | 3.77% | $12.20 |
| 2024-01-11 | 2024-02-02 | $0.0900 | 3.22% | $13.97 |
| 2023-10-19 | 2023-11-10 | $0.0900 | 2.52% | $14.27 |
| 2023-07-20 | 2023-08-11 | $0.0900 | 2.55% | $14.10 |
| 2023-04-21 | 2023-05-19 | $0.0900 | 2.07% | $17.42 |
| 2023-01-13 | 2023-02-10 | $0.0900 | 1.88% | $19.14 |
| 2022-10-13 | 2022-11-11 | $0.0900 | 2.00% | $20.50 |
| 2022-07-14 | 2022-08-12 | $0.0900 | 1.95% | $20.00 |
| 2022-04-21 | 2022-05-06 | $0.0900 | 1.42% | $21.11 |
| 2022-01-13 | 2022-02-04 | $0.0700 | 1.98% | $17.18 |
| 2021-10-14 | 2021-11-05 | $0.0700 | 2.03% | $16.25 |
| 2021-07-15 | 2021-08-13 | $0.0700 | 2.00% | $16.01 |
| 2021-04-14 | 2021-05-07 | $0.0700 | 2.14% | $14.50 |
| 2021-01-14 | 2021-02-05 | $0.0600 | 2.61% | $11.48 |
| 2020-10-15 | 2020-11-06 | $0.0600 | — | — |
| 2020-07-16 | 2020-08-14 | $0.0600 | — | — |
| 2020-04-15 | 2020-05-08 | $0.0600 | — | — |
| 2020-01-16 | 2020-02-07 | $0.0600 | — | — |
| 2019-10-17 | 2019-11-08 | $0.0600 | — | — |
| 2019-07-18 | 2019-08-09 | $0.0600 | — | — |
| 2019-04-17 | 2019-05-10 | $0.0600 | — | — |
| 2019-01-17 | 2019-02-08 | $0.0600 | — | — |
| 2018-10-18 | 2018-11-09 | $0.0600 | — | — |
| 2018-07-19 | 2018-08-10 | $0.0600 | — | — |
| 2018-04-19 | 2018-05-11 | $0.0600 | — | — |
| 2018-01-11 | 2018-02-02 | $0.0575 | — | — |
| 2017-10-12 | 2017-11-03 | $0.0550 | — | — |
| 2017-07-12 | 2017-08-04 | $0.0525 | — | — |
| 2017-04-11 | 2017-05-05 | $0.0500 | — | — |
| 2017-01-11 | 2017-02-03 | $0.0500 | — | — |
| 2016-10-12 | 2016-11-04 | $0.0500 | — | — |
| 2016-07-14 | 2016-08-08 | $0.0500 | — | — |
| 2016-04-14 | 2016-05-09 | $0.0500 | — | — |
| 2016-01-07 | 2016-02-01 | $0.0500 | — | — |
| 2015-10-09 | 2015-11-03 | $0.0500 | — | — |
| 2015-07-13 | 2015-08-03 | $0.0300 | — | — |
| 2015-04-13 | 2015-05-04 | $0.0300 | — | — |
| 2015-01-13 | 2015-02-02 | $0.0300 | — | — |
| 2014-10-10 | 2014-11-04 | $0.0182 | — | — |
| 2014-07-11 | 2014-08-04 | $0.0182 | — | — |
| 2014-04-11 | 2014-05-05 | $0.0182 | — | — |
| 2014-01-13 | 2014-02-07 | $0.0182 | — | — |
| 2013-10-10 | 2013-11-04 | $0.0182 | — | — |
| 2013-07-11 | 2013-08-02 | $0.0182 | — | — |
| 2013-04-11 | 2013-05-03 | $0.0182 | — | — |
| 2013-01-09 | 2013-01-31 | $0.0182 | — | — |
| 2012-10-10 | 2012-11-01 | $0.0182 | — | — |
| 2012-07-11 | 2012-08-01 | $0.0182 | — | — |
| 2012-04-11 | 2012-05-01 | $0.0182 | — | — |
| 2012-01-11 | 2012-02-01 | $0.0182 | — | — |
| 2011-10-12 | 2011-11-01 | $0.0182 | — | — |
| 2011-07-13 | 2011-08-01 | $0.0182 | — | — |
| 2011-04-12 | 2011-04-29 | $0.0182 | — | — |
| 2011-01-12 | 2011-02-03 | $0.0182 | — | — |
| 2010-10-13 | 2010-11-03 | $0.0182 | — | — |
| 2010-07-13 | 2010-08-02 | $0.0182 | — | — |
| 2010-04-13 | 2010-05-03 | $0.0182 | — | — |
| 2010-01-12 | 2010-01-30 | $0.0182 | — | — |
| 2009-10-13 | 2009-10-30 | $0.0182 | — | — |
| 2009-07-13 | 2009-07-31 | $0.0182 | — | — |
| 2009-05-13 | 2009-05-29 | $0.0182 | — | — |
| 2009-01-14 | 2009-01-30 | $0.0625 | — | — |
| 2008-10-10 | 2008-10-31 | $0.0625 | — | — |
| 2008-07-11 | 2008-07-31 | $0.0625 | — | — |
| 2008-04-11 | 2008-04-30 | $0.0625 | — | — |
| 2008-01-09 | 2008-01-31 | $0.0625 | — | — |
| 2007-10-10 | 2007-10-31 | $0.0625 | — | — |
| 2007-07-11 | 2007-07-31 | $0.0625 | — | — |
| 2007-04-11 | 2007-04-30 | $0.0625 | — | — |
| 2007-01-10 | 2007-01-26 | $0.0625 | — | — |
About Pathfinder Bancorp, Inc. (PBHC) — Dividend Analysis 2026
Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.
PBHC Dividend & DRIP — Frequently Asked Questions
What is PBHC's dividend yield?
PBHC (Pathfinder Bancorp, Inc.) has a dividend yield of 2.39%, based on an annual dividend of $0.4000 per share and a price of $16.72. Over the last 12 months it paid $0.4000 per share — a trailing yield of 2.39%. Dividends are paid quarterly.
How much does $10,000 in PBHC pay in dividends?
$10,000 in PBHC at a 2.39% yield pays about $239 a year ($20 a month) before taxes. With DRIP, reinvested dividends buy more shares and that income compounds.
What is the DRIP rate for PBHC?
With dividends reinvested, a PBHC position grows its share count by about 2.42% in the first year at today's price and yield.
How do I calculate PBHC dividend reinvestment (DRIP) returns?
Enter your starting amount, monthly contribution and time horizon in the PBHC DRIP calculator at the top of this page. It reinvests each payout into new shares at the projected price, grows the dividend at the rate you choose and shows yearly income, share count, portfolio value and yield on cost. You can switch DRIP off to compare.
When is PBHC's next ex-dividend date?
PBHC's next ex-dividend date has not been announced yet; the most recent one was 2026-10-16. PBHC pays dividends quarterly. Buy before the ex-dividend date to receive the next payment.
What is PBHC's dividend growth rate?
PBHC's dividend changed 0.0% over the last year and 4.6% a year on average over five years.
Similar dividend stocks to PBHC
Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
Get Your Full PBHC DRIP Report by Email
We'll send you a full breakdown of your projections, DRIP tips, and how to enable dividend reinvestment with your broker.
Free forever. No spam. Unsubscribe anytime. · Privacy Policy
Ready to invest? Open PBHC position with:
🌍 PBHC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PBHC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.39% | -0.41% | $239 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.03% | -0.77% | $203 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.91% | -0.89% | $191 / yr |
| 🇬🇧 UK ISA | 0% | 2.39% | -0.41% | $239 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.18% | -0.62% | $218 / yr |
| 🇨🇦 TFSA | 0% | 2.39% | -0.41% | $239 / yr |
| 🇨🇦 CA Taxable | 25% | 1.79% | -1.01% | $179 / yr |
| 🇦🇺 Super (pension) | 15% | 2.03% | -0.77% | $203 / yr |
| 🇦🇺 AU Taxable | 30% | 1.67% | -1.13% | $167 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.76% | -1.04% | $176 / yr |
| 🇫🇷 FR Taxable | 30% | 1.67% | -1.13% | $167 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PBHC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.40/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PBHC Dividend Payment Schedule
PBHC pays quarterly — 4 times per year. Ex-div: 2026-10-16.
📊 PBHC vs Financial Services Benchmarks
How PBHC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PBHC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PBHC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-06-15 | 1,000 | $15.88 | $15.9K | ||
| Buy | 2026-06-02 | 1,400 | $13.69 | $19.2K | ||
| M-Exempt | 2026-05-04 | 8,787 | $11.35 | $99.7K | ||
| M-Exempt | 2026-05-04 | 7,913 | $13.48 | $106.7K | ||
| M-Exempt | 2026-05-04 | 8,787 | $11.35 | $99.7K | ||
| M-Exempt | 2026-05-04 | 7,908 | $11.35 | $89.8K | ||
| M-Exempt | 2026-05-04 | 7,908 | $11.35 | $89.8K | ||
| M-Exempt | 2026-05-04 | 2,816 | $11.35 | $32.0K | ||
| M-Exempt | 2026-05-04 | 2,816 | $11.35 | $32.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Peer Group
Similar companies in the same sectorCompare PBHC with peers: PBHC vs AUBN · PBHC vs CFSB · PBHC vs DTSQ
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PBHC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Pathfinder Bancorp, Inc. (PBHC) is currently trading at $16.72, 9% below its 52-week high. The current dividend yield is 2.39% based on an annual payout of $0.4000 per share.
PBHC (Pathfinder Bancorp, Inc.) — 2.39% Dividend Yield Analysis
Pathfinder Bancorp, Inc. (PBHC) is a financial services stock currently trading at $16.72 with a dividend yield of 2.39%. It pays an annual dividend of $0.4000 per share. Over the past 5 years, PBHC has grown its dividend at a compound annual rate of 4.6%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest PBHC News
LiveHow investors use the PBHC dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.