Compliance Status
Not Halal
Screened on Oct 9, 2026 · AAOIFI Standard 21
Non-Compliant
Is Pathfinder Bancorp, Inc. (PBHC) halal? Not Halal. Based on AAOIFI screening, Pathfinder Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates Pathfinder Bancorp, Inc. (PBHC) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 9, 2026. Source: https://halalscreener.app/en/stock/PBHC
Business activity
Involved in prohibited business activities.
Company debt
How much the company borrows, compared to its total value. AAOIFI allows up to 30%.
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding PBHC
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
PBHC: Is Pathfinder Bancorp, Inc. Halal?
Pathfinder Bancorp, Inc.
$16.96
Market Cap: 106.1M
Get an email if PBHC's halal status changes
We re-screen Pathfinder Bancorp, Inc. daily. If the verdict moves, you hear about it the same day.
Free. One click sets it up, and you can unsubscribe any time.
About Pathfinder Bancorp, Inc.
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.
Sector: Financial Services · Industry: Banks - Regional
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.
Shariah Compliance Status
See which ratio caused the failure.
See the exact debt ratio, interest income %, and prohibited revenue that caused the failure. Know before you sell or hold.
AI Compliance Insight
PROInstitutional-grade Shariah analysis
See why PBHC is rated Not Halal with institutional-grade analysis
Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: Banks - Regional
Compliance History
Not Halal, unchanged since Aug 2026.
No status changes recorded since we began tracking.
Tracked since Aug 2026. Updates automatically on each re-screen.
Halal Alternatives in Financial Services
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
More Financial Services Stocks
Know the day PBHC's verdict changes
A free account keeps watch on 3 stocks and emails you when a verdict moves. You also get 3 questions for the AI Scholar. No card needed.
Frequently Asked Questions
Is Pathfinder Bancorp, Inc. (PBHC) halal to invest in?
Why did Pathfinder Bancorp, Inc. get a F compliance rating?
What could change Pathfinder Bancorp, Inc.'s Shariah verdict?
How often is Pathfinder Bancorp, Inc. re-screened for Shariah compliance?
Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.
Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.