Is Pathfinder Bancorp, Inc. PBHC stock halal to invest in?

No, as of August 2026, Pathfinder Bancorp, Inc. stock (PBHC) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Pathfinder Bancorp, Inc. currently does not meet the threshold for the non-permissible income and interest-bearing debt screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Pathfinder Bancorp, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is Pathfinder Bancorp, Inc. PBHC reviewed for Shariah compliance?

Tabadulat reviews Pathfinder Bancorp, Inc. PBHC for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Pathfinder Bancorp, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, Pathfinder Bancorp, Inc. stock (PBHC) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Pathfinder Bancorp, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, Pathfinder Bancorp, Inc. stock (PBHC) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). Pathfinder Bancorp, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Interest Bearing Debt criteria?

No, as of August 2026, Pathfinder Bancorp, Inc. stock (PBHC) does not pass the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. Pathfinder Bancorp, Inc.'s interest-bearing debt currently exceeds this 30% limit, meaning the company relies on riba-based financing beyond the level AAOIFI permits for a halal investment. A company can return to compliance by reducing debt or through changes in market capitalisation, and the screen is reassessed monthly.

What is the dividend purification factor for Pathfinder Bancorp, Inc. PBHC stock?

Pathfinder Bancorp, Inc. (PBHC) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If Pathfinder Bancorp, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Preference Share screen?

Yes, as of August 2026, Pathfinder Bancorp, Inc. stock (PBHC) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Pathfinder Bancorp, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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Pathfinder Bancorp, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

PBHC

About

Pathfinder Bancorp, Inc.

PBHC

Pathfinder Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Pathfinder Bank. Its main function is to provide a wide range of community banking services, focusing on attracting deposits from the public and channeling these funds into loans secured by commercial and residential real estate, as well as commercial business and consumer lending. The company also invests in mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities from both government-sponsored and private issuers. Pathfinder Bancorp Inc. serves its local markets through a network of over a dozen full-service branch offices, primarily in Oswego and Onondaga counties, with an additional limited-purpose office in Oneida County. The company’s loan portfolio includes municipal loans, home equity loans and lines, and various consumer credit products. By concentrating on diversified lending and prudent investment strategies, Pathfinder Bancorp Inc. plays a significant role in supporting economic activity within its regional markets and contributing to the stability and competitiveness of the banking sector.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

172

Website:

https://www.pathfinderbank.com

PBHC

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Pathfinder Bancorp, Inc.

About

Pathfinder Bancorp, Inc.

PBHC

Frequently asked questions

Is Pathfinder Bancorp, Inc. PBHC stock halal to invest in?

How often is Pathfinder Bancorp, Inc. PBHC reviewed for Shariah compliance?

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Non Permissible Income criteria?

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Interest Bearing Investments criteria?

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for Pathfinder Bancorp, Inc. PBHC stock?

Does Pathfinder Bancorp, Inc. PBHC pass the AAOIFI Preference Share screen?

Can I buy Pathfinder Bancorp (PBHC) stock on Tabadulat?

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