Pathfinder Bancorp, Inc. (PBHC) Stock Total Returns
Growth of $10,000 chart
2021-06-03 to 2026-06-03 to
$
%
%
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Investment Performance
Final Value
$9,552
Total Return
-4.48%
CAGR
-0.91%
Dividends
$1,217.90
Yield on Cost
12.18%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.15% |
| Median | +0.26% |
| Best | +38.48% |
| Worst | -23.94% |
| % of Windows Positive | 52.2% |
1-Year (252 Trading Days)
| Average | +0.03% |
| Median | -2.75% |
| Best | +51.06% |
| Worst | -39.08% |
| % of Windows Positive | 46.0% |
3-Year (756 Trading Days)
| Average | -9.63% |
| Median | -15.42% |
| Best | +23.21% |
| Worst | -31.93% |
| % of Windows Positive | 34.6% |
Risk Metrics
| Maximum Drawdown | -46.26% |
| Average Drawdown | -22.23% |
| Drawdown Duration | 930 Trading Days (Unrecovered) |
| Sortino Ratio | 0.20 |
| Calmar Ratio | -0.02 |
| CVaR (5%) | -4.81% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | -2.15% (-5.02% ann.) | $214.91 | $142.14 | $28.43 | $0.23 |
| 2025 | -17.70% | $1770.31 | $230.30 | $46.06 | $0.37 |
| 2024 | +27.63% | +$2763.26 | $280.87 | $56.17 | $0.45 |
| 2023 | -25.45% | $2544.80 | $189.27 | $37.85 | $0.30 |
| 2022 | +13.06% | +$1305.84 | $199.11 | $39.82 | $0.32 |
| 2021 | +51.73% | +$5172.76 | $236.56 | $47.31 | $0.38 |
| 2020 | -15.93% | $1593.08 | $173.76 | $34.75 | $0.28 |
| 2019 | -9.99% | $998.72 | $154.04 | $30.81 | $0.25 |
| 2018 | +2.95% | +$294.98 | $155.26 | $31.05 | $0.25 |
| 2017 | +15.46% | +$1546.20 | $154.87 | $30.97 | $0.25 |
| 2016 | +5.97% | +$597.50 | $155.81 | $31.16 | $0.25 |
| 2015 | +33.01% | +$3300.70 | $143.43 | $28.69 | $0.23 |
| 2014 | +20.33% | +$2033.16 | $89.12 | $17.82 | $0.14 |
| 2013 | +32.08% | +$3208.00 | $116.87 | $23.37 | $0.19 |
| 2012 | +16.75% | +$1675.03 | $135.20 | $27.04 | $0.22 |
| 2011 | +5.93% | +$593.41 | $141.74 | $28.35 | $0.23 |
| 2010 | +53.89% | +$5389.05 | $215.43 | $43.09 | $0.34 |
| 2009 | -8.33% | $832.66 | $311.17 | $62.24 | $0.49 |
| 2008 | -36.72% | $3671.76 | $406.73 | $81.34 | $0.65 |
| 2007 | -19.24% | $1924.45 | $318.96 | $63.79 | $0.51 |
| 2006 | +2.44% | +$243.74 | $318.59 | $63.72 | $0.51 |
| 2005 | -20.23% | $2022.83 | $186.54 | $37.31 | $0.30 |
| 2004 | -7.53% | $753.37 | $221.62 | $44.33 | $0.35 |
| 2003 | +27.37% | +$2737.12 | $274.14 | $54.83 | $0.44 |
| 2002 | +13.65% | +$1364.62 | $229.21 | $45.84 | $0.36 |
| 2001 | +117.50% | +$11750.13 | $424.22 | $84.85 | $0.68 |
| 2000 | -28.36% | $2836.42 | $272.90 | $54.58 | $0.44 |
| 1999 | -0.84% | $83.77 | $253.81 | $50.76 | $0.40 |
| 1998 | -54.06% | $5406.48 | $75.14 | $15.03 | $0.12 |
| 1997 | +221.41% | +$22140.59 | $149.52 | $29.90 | $0.23 |
| 1996 | -10.71% | $1071.43 | $0.00 | $0.00 | $0.00 |
| 1995 partial | +16.67% (+270.39% ann.) | +$1666.67 | $0.00 | $0.00 | $0.00 |
Market Regimes
about| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania partial | November 16, 1995 – March 10, 2000 | +25.32% | +5.37% | +$2532.50 | $900.74 | $180.14 | $1.40 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +57.41% | +19.28% | +$5740.93 | $849.61 | $169.92 | $1.36 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | -8.54% | -1.77% | $854.42 | $1685.96 | $337.20 | $2.70 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -39.32% | -29.79% | $3932.17 | $603.07 | $120.61 | $0.96 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +118.60% | +26.07% | +$11859.73 | $899.02 | $179.80 | $1.45 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +147.57% | +12.73% | +$14757.21 | $2150.40 | $430.07 | $3.44 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -29.58% | -98.17% | $2958.15 | $0.00 | $0.00 | $0.00 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | +13.71% | +22.97% | +$1371.42 | $180.90 | $36.18 | $0.29 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +57.35% | +53.74% | +$5735.28 | $247.78 | $49.55 | $0.40 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | +15.91% | +16.97% | +$1591.06 | $203.50 | $40.70 | $0.33 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | -13.51% | -7.53% | $1350.55 | $341.84 | $68.37 | $0.55 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – June 3, 2026 | -12.10% | -7.28% | $1209.98 | $441.17 | $88.23 | $0.71 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 1997-10-01 | $0.0283 | 0.32% |
| 1997-12-29 | $0.0283 | 0.23% |
| 1998-03-27 | $0.0304 | 0.23% |
| 1998-07-14 | $0.0304 | 0.24% |
| 1998-09-28 | $0.0304 | 0.42% |
| 1999-01-15 | $0.0304 | 0.49% |
| 1999-03-29 | $0.0364 | 0.57% |
| 1999-07-26 | $0.0364 | 0.74% |
| 1999-10-18 | $0.0364 | 0.75% |
| 2000-01-24 | $0.0364 | 0.80% |
| 2000-03-29 | $0.0364 | 0.86% |
| 2000-09-27 | $0.0364 | 0.80% |
| 2000-12-27 | $0.0364 | 1.09% |
| 2001-03-28 | $0.0364 | 0.89% |
| 2001-06-27 | $0.0364 | 0.67% |
| 2001-09-26 | $0.0425 | 0.56% |
| 2001-12-27 | $0.0425 | 0.53% |
| 2002-03-26 | $0.0425 | 0.54% |
| 2002-06-26 | $0.0425 | 0.52% |
| 2002-09-26 | $0.0486 | 0.64% |
| 2002-12-27 | $0.0486 | 0.53% |
| 2003-03-27 | $0.0607 | 0.69% |
| 2003-06-26 | $0.0607 | 0.68% |
| 2003-10-09 | $0.0607 | 0.62% |
| 2003-12-29 | $0.0607 | 0.54% |
| 2004-03-29 | $0.0607 | 0.54% |
| 2004-07-09 | $0.0607 | 0.65% |
| 2004-10-04 | $0.0613 | 0.63% |
| 2004-12-29 | $0.0625 | 0.61% |
| 2005-03-29 | $0.0625 | 0.58% |
| 2005-07-01 | $0.0625 | 0.72% |
| 2005-10-12 | $0.0625 | 0.79% |
| 2006-01-11 | $0.0625 | 0.79% |
| 2006-04-11 | $0.0625 | 0.86% |
| 2006-07-12 | $0.0625 | 0.85% |
| 2006-10-11 | $0.0625 | 0.73% |
| 2007-01-10 | $0.0625 | 0.79% |
| 2007-04-11 | $0.0625 | 0.78% |
| 2007-07-11 | $0.0625 | 0.83% |
| 2007-10-10 | $0.0625 | 1.05% |
| 2008-01-09 | $0.0625 | 0.85% |
| 2008-04-11 | $0.0625 | 0.94% |
| 2008-07-11 | $0.0625 | 1.46% |
| 2008-10-10 | $0.0625 | 1.24% |
| 2009-01-14 | $0.0625 | 1.65% |
| 2009-05-13 | $0.0182 | 0.42% |
| 2009-07-13 | $0.0182 | 0.50% |
| 2009-10-13 | $0.0182 | 0.53% |
| 2010-01-12 | $0.0182 | 0.47% |
| 2010-04-13 | $0.0182 | 0.38% |
| 2010-07-13 | $0.0182 | 0.50% |
| 2010-10-13 | $0.0182 | 0.38% |
| 2011-01-12 | $0.0182 | 0.36% |
| 2011-04-12 | $0.0182 | 0.29% |
| 2011-07-13 | $0.0182 | 0.34% |
| 2011-10-12 | $0.0182 | 0.33% |
| 2012-01-11 | $0.0182 | 0.33% |
| 2012-04-11 | $0.0182 | 0.32% |
| 2012-07-11 | $0.0182 | 0.32% |
| 2012-10-10 | $0.0182 | 0.27% |
| 2013-01-09 | $0.0182 | 0.29% |
| 2013-04-11 | $0.0182 | 0.22% |
| 2013-07-11 | $0.0182 | 0.23% |
| 2013-10-10 | $0.0182 | 0.22% |
| 2014-01-13 | $0.0182 | 0.22% |
| 2014-04-11 | $0.0182 | 0.21% |
| 2014-07-11 | $0.0182 | 0.21% |
| 2014-10-10 | $0.0182 | 0.18% |
| 2015-01-13 | $0.0300 | 0.30% |
| 2015-04-13 | $0.0300 | 0.30% |
| 2015-07-13 | $0.0300 | 0.26% |
| 2015-10-09 | $0.0500 | 0.45% |
| 2016-01-07 | $0.0500 | 0.39% |
| 2016-04-14 | $0.0500 | 0.43% |
| 2016-07-14 | $0.0500 | 0.43% |
| 2016-10-12 | $0.0500 | 0.41% |
| 2017-01-11 | $0.0500 | 0.37% |
| 2017-04-11 | $0.0500 | 0.34% |
| 2017-07-12 | $0.0530 | 0.35% |
| 2017-10-12 | $0.0550 | 0.36% |
| 2018-01-11 | $0.0580 | 0.38% |
| 2018-04-19 | $0.0600 | 0.40% |
| 2018-07-19 | $0.0600 | 0.38% |
| 2018-10-18 | $0.0600 | 0.40% |
| 2019-01-17 | $0.0600 | 0.41% |
| 2019-04-17 | $0.0600 | 0.44% |
| 2019-07-18 | $0.0600 | 0.40% |
| 2019-10-17 | $0.0600 | 0.46% |
| 2020-01-16 | $0.0600 | 0.43% |
| 2020-04-15 | $0.0600 | 0.63% |
| 2020-07-16 | $0.0600 | 0.61% |
| 2020-10-15 | $0.0600 | 0.56% |
| 2021-01-14 | $0.0600 | 0.48% |
| 2021-04-14 | $0.0700 | 0.45% |
| 2021-07-15 | $0.0700 | 0.44% |
| 2021-10-14 | $0.0700 | 0.43% |
| 2022-01-13 | $0.0700 | 0.41% |
| 2022-04-21 | $0.0900 | 0.46% |
| 2022-07-14 | $0.0900 | 0.46% |
| 2022-10-13 | $0.0900 | 0.44% |
| 2023-01-13 | $0.0900 | 0.47% |
| 2023-04-21 | $0.0900 | 0.57% |
| 2023-07-20 | $0.0900 | 0.60% |
| 2023-10-19 | $0.0900 | 0.66% |
| 2024-01-11 | $0.0900 | 0.68% |
| 2024-04-18 | $0.1000 | 0.82% |
| 2024-07-19 | $0.1000 | 0.70% |
| 2024-10-18 | $0.1000 | 0.61% |
| 2025-01-17 | $0.1000 | 0.61% |
| 2025-04-17 | $0.1000 | 0.65% |
| 2025-07-18 | $0.1000 | 0.66% |
| 2025-10-17 | $0.1000 | 0.65% |
| 2026-01-16 | $0.1000 | 0.70% |
| 2026-04-17 | $0.1000 | 0.74% |
| Total | 114 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-06-03 to 2026-06-03. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-07-15 | $44.64 | $8.93 | $0.07 | 2.2291 |
| 2021-10-14 | $44.80 | $8.96 | $0.07 | 2.1957 |
| 2022-01-13 | $44.95 | $8.99 | $0.07 | 2.1087 |
| 2022-04-21 | $57.99 | $11.60 | $0.09 | 2.3148 |
| 2022-07-14 | $58.19 | $11.64 | $0.09 | 2.4288 |
| 2022-10-13 | $58.41 | $11.68 | $0.09 | 2.2783 |
| 2023-01-13 | $58.62 | $11.72 | $0.09 | 2.4490 |
| 2023-04-21 | $58.84 | $11.77 | $0.09 | 2.9434 |
| 2023-07-20 | $59.10 | $11.82 | $0.09 | 3.1480 |
| 2023-10-19 | $59.39 | $11.88 | $0.09 | 3.5122 |
| 2024-01-11 | $59.70 | $11.94 | $0.09 | 3.5975 |
| 2024-04-18 | $66.70 | $13.34 | $0.11 | 4.4338 |
| 2024-07-19 | $67.14 | $13.43 | $0.11 | 3.5736 |
| 2024-10-18 | $67.50 | $13.50 | $0.11 | 2.8498 |
| 2025-01-17 | $67.78 | $13.56 | $0.11 | 3.2838 |
| 2025-04-17 | $68.11 | $13.62 | $0.11 | 3.5083 |
| 2025-07-18 | $68.46 | $13.69 | $0.11 | 3.5842 |
| 2025-10-17 | $68.82 | $13.76 | $0.11 | 3.6484 |
| 2026-01-16 | $69.18 | $13.84 | $0.11 | 3.8519 |
| 2026-04-17 | $69.57 | $13.91 | $0.11 | 4.0932 |
| Total | $1217.90 | $243.57 | $1.95 | 62.0324 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.