What if you'd held PBHC?
A $1,000 investment in Pathfinder Bancorp, Inc. (PBHC) at the month-end close of 1995-11 would be worth $8,418 at the close of 2026-08 — +741.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $12,733.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1995
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1995 | $1,000 | — |
| 1996 | $894 | -10.6% |
| 1997 | $2,872 | +221.3% |
| 1998 | $1,323 | -53.9% |
| 1999 | $1,319 | -0.3% |
| 2000 | $951 | -27.9% |
| 2001 | $2,084 | +119.1% |
| 2002 | $2,381 | +14.2% |
| 2003 | $3,044 | +27.9% |
| 2004 | $2,827 | -7.1% |
| 2005 | $2,265 | -19.9% |
| 2006 | $2,336 | +3.1% |
| 2007 | $1,903 | -18.6% |
| 2008 | $1,212 | -36.3% |
| 2009 | $1,119 | -7.7% |
| 2010 | $1,730 | +54.5% |
| 2011 | $1,841 | +6.4% |
| 2012 | $2,155 | +17.1% |
| 2013 | $2,850 | +32.2% |
| 2014 | $3,434 | +20.5% |
| 2015 | $4,584 | +33.5% |
| 2016 | $4,872 | +6.3% |
| 2017 | $5,642 | +15.8% |
| 2018 | $5,827 | +3.3% |
| 2019 | $5,261 | -9.7% |
| 2020 | $4,447 | -15.5% |
| 2021 | $6,770 | +52.2% |
| 2022 | $7,681 | +13.5% |
| 2023 | $5,752 | -25.1% |
| 2024 | $7,394 | +28.5% |
| 2025 | $6,115 | -17.3% |
| 2026 | $7,226 | +18.2% |
Best and worst month-end to buy
The best single month-end close to have bought PBHC was 1996-05 ($1.77): $1,000 then is $9,226 today. The worst was 2022-03 ($19.66): $1,000 then is $831.
FAQ
What would $1,000 in PBHC be worth today?
A $1,000 investment in Pathfinder Bancorp, Inc. (PBHC) at the start of 1995 would be worth about $8,418 today, a total return of +741.8%. Dividends are reinvested in these figures.
What were the best and worst years for PBHC?
Pathfinder Bancorp, Inc. (PBHC)'s strongest calendar year since 1995 was 1997, a +221.3% return — $1,000 held through that year became about $3,213 by year-end. Its weakest year was 1998, at -53.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in PBHC have grown?
Investing $100 at the end of every month since 1995-11 would have grown to about $116,423 on $37,000 invested.
Did PBHC beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $12,733. PBHC trailed the S&P 500 by +33.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Pathfinder Bancorp, Inc. (PBHC) historical total-return data from 1995-11 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.