Pathfinder Bancorp (PBHC) vs Summit State Bank (SSBI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Pathfinder Bancorp (PBHC) has outperformed Summit State Bank (SSBI) over the past year, gaining 11.1% versus a gain of 1.7%. Over five years, PBHC leads with a +4.7% price change compared with -28.2% for SSBI. Pathfinder Bancorp is the larger company by market cap ($106.5 million vs $82.7 million), about 1.3 times the size.
On valuation, Summit State Bank trades at a lower trailing P/E (37.0x vs 1696.0x for Pathfinder Bancorp). Pathfinder Bancorp pays a dividend yielding 2.36%, while Summit State Bank does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | PBHC | SSBI |
|---|---|---|
| Share price | $16.96 | $12.22 |
| Market cap | $106.49M | $82.69M |
| 1-day change | -3.09% | -3.48% |
| YTD return | +20.20% | +5.07% |
| 1-year return | +11.14% | +1.75% |
| 5-year return | +4.69% | -28.16% |
| P/E ratio (TTM) | — | 37.03 |
| EPS (TTM) | $0.01 | $0.33 |
| Dividend yield | 2.36% | 0.00% |
| Annual dividend | $0.40 | $0.00 |
| 52-week high | $18.30 | $14.00 |
| 52-week low | $12.06 | $10.35 |
| Distance from 52-week high | -7.32% | -12.71% |
| Average volume | 5.97K | 4.88K |
| Shares outstanding | 4.90M | 6.77M |
| Employees | — | 103 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Pathfinder Bancorp offers a meaningfully higher dividend yield (2.36% vs 0.00%).
About Pathfinder Bancorp
PBHC stock →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.
Finance · Major Banks
About Summit State Bank
SSBI stock →Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts.
Finance · Major Banks · 103 employees
PBHC vs SSBI FAQ
Which is bigger, Pathfinder Bancorp or Summit State Bank?
Pathfinder Bancorp (PBHC) is larger, with a market capitalization of $106.49M compared with $82.69M for Summit State Bank (SSBI).
Which stock has performed better over the past year, PBHC or SSBI?
PBHC returned +11.14% over the past 12 months, compared with +1.75% for SSBI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Pathfinder Bancorp or Summit State Bank?
Pathfinder Bancorp pays a dividend yielding 2.36%, while Summit State Bank does not currently pay a regular dividend.
Are Pathfinder Bancorp and Summit State Bank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.