Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. (NASDAQ: PBHC) is trading at $17.35, about ₹1,666 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET. Indian residents can buy Pathfinder Bancorp from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$17.05
Today's high
$17.35
52 week low
$12.06
52 week high
$18.30
PBHC opened at $17.35, closed previously at $17.35, and has traded between $12.06 and $18.30 over the past 52 weeks.
About
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.
Key statistics
Avg. volume
10.16K
Market cap
$108.55M
P/E Ratio
-27.42
Price-to-sales ratio
1.37
Enterprise value
$278.14M
Free cash flow yield
11.43%
Debt-to-equity ratio
1.44
Return on equity
-1.08%
ROIC
-0.09%
Beta
0.13
Dividend yield
2.31%
Last dividend
$0.40
Financial overview
Revenue
$79.15M
Earnings per share
-$0.54
Free cash flow
$10.02M
Net profit margin
-1.70%
Gross margin
43.04%
EBITDA
-$1.94M
Revenue growth
-5.19%
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This is not an investment recommendation
How to buy Pathfinder Bancorp from India
Indian residents can buy Pathfinder Bancorp shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Pathfinder Bancorp and place an order
Find Pathfinder Bancorp by name or by its ticker, PBHC, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Pathfinder Bancorp trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Pathfinder Bancorp position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Pathfinder Bancorp from India
Trading and taxes when buying Pathfinder Bancorp from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Pathfinder Bancorp’s current yield is 2.31%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Pathfinder Bancorp stock?
Yes. Pathfinder Bancorp (PBHC) has been listed on NASDAQ since 1995, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Pathfinder Bancorp share cost in rupees?
One Pathfinder Bancorp share is $17.35 — about ₹1,666 at a USD/INR rate of 96.02 on 24 Sep 2026. Both the Pathfinder Bancorp price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Pathfinder Bancorp from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Pathfinder Bancorp?
Yes. One Pathfinder Bancorp share is $17.35, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Pathfinder Bancorp.
How are gains on Pathfinder Bancorp shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Pathfinder Bancorp price. Paasa issues a capital-gains statement for your return.
Does Pathfinder Bancorp pay a dividend, and how is it taxed in India?
Yes. Pathfinder Bancorp pays a dividend and the current yield is 2.31%; the last declared dividend was $0.40 per share, about ₹38.41. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Pathfinder Bancorp from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Pathfinder Bancorp shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Pathfinder Bancorp shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Pathfinder Bancorp holding, its cost and its closing value.
How do I sell Pathfinder Bancorp and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.