PBHC 10 Year Annualized Return and Average Annual Return

The PBHC 10 year annualized return is 5.37% with dividends reinvested through 10/09/2026. Investors often use annualized return to compare long-term performance because it shows the average yearly compounded return over a full period rather than just the headline total gain.

This page shows PBHC average annual return, total return, start and end dates, and the growth of a hypothetical $10,000 investment with dividends reinvested.

Quick links: Annualized Return Table  |  Performance Chart  |  FAQ
PBHC Average Annual Return Chart 10 Years
Growth of $10,000.00
With Dividends Reinvested Into PBHC

Also see:
• PBHC stock yearly return 2016
• PBHC stock yearly return 2017
• PBHC stock yearly return 2018
• PBHC stock yearly return 2019
• PBHC stock yearly return 2020
• PBHC stock yearly return 2021
• PBHC stock yearly return 2022
• PBHC stock yearly return 2023
• PBHC stock yearly return 2024
• PBHC stock yearly return 2025
• PBHC YTD return
Average Annual Return Benchmarks
Compare PBHC average annual return versus benchmarks:

S&P Average Annual Return
Dow Average Annual Return
Nasdaq 100 Average Annual Return
Russell 2000 Average Annual Return
Gold Average Annual Return
10 Year Treasury Average Annual Return
PBHC Share Performance
PBHC Average Annual Return Table 10 Years
Start date: 10/12/2016
End date: 10/09/2026
Start price/share: $12.34
End price/share: $16.96
Starting shares: 810.37
Ending shares: 994.79
Dividends reinvested/share: $3.04
Total return: 68.72%
PBHC Average Annual Return: 5.37%
Starting investment: $10,000.00
Ending investment: $16,869.71


PBHC average annual return is presented with the assumption of reinvestments of any dividends on ex-date.
About Pathfinder Bancorp Inc. (MD)
Pathfinder Bancorp, Inc. is a holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public, and investing such deposits, in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. Co. also invests in mortgage-backed securities issued or guaranteed by U.S. Government sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. The PBHC average annual return 10 years is shown above.

The Average Annual Return on the PBHC average annual return 10 years page and across the coverage universe of our site, is a measure of the annualized return over the past ten years (or specified start date) for a given investment (up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window to capture long-term trends.

Thus, researching Average Annual Returns is good practice for investors — whether PBHC average annual return 10 years or other benchmarks/peers — and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors by performing the PBHC average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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Average Annual Return Peers
Pathfinder Bancorp (PBHC) is categorized under the Financials sector; to help you further research average annual return performance across stocks, below are some other companies in the same sector:

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What has the average annual return been for PBHC over the past ten years?
✔️Accepted answer: The ten year PBHC average annual return has been 5.37% with dividends reinvested.

When you say 'with dividends reinvested' what does that mean?
✔️Accepted answer: That means that each time the stock goes ex-dividend, the average annual return calculation then factors in how that dividend amount could have been reinvested into more shares of PBHC at the then-current price — often this is referred to as 'compounding' and is very important when considering average annual return over a long period like a full decade.

What start date was used in your PBHC average annual return calculation?
✔️Accepted answer: The start date was 10/12/2016.

What end date was used in your PBHC average annual return calculation?
✔️Accepted answer: The end date was 10/09/2026.

If I had invested $10,000 into PBHC ten years ago, how much would I have today?
✔️Accepted answer: With dividends reinvested, as of 10/09/2026, you would have $16,869.71.

What does that work out to on a total return basis?
✔️Accepted answer: The PBHC ten year total return ending 10/09/2026 works out to 68.72%.


Also see:
• PBHC stock yearly return 2016
• PBHC stock yearly return 2017
• PBHC stock yearly return 2018
• PBHC stock yearly return 2019
• PBHC stock yearly return 2020
• PBHC stock yearly return 2021
• PBHC stock yearly return 2022
• PBHC stock yearly return 2023
• PBHC stock yearly return 2024
• PBHC stock yearly return 2025
• PBHC YTD return
 

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