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Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
US Market

Pathfinder Bancorp (PBHC) Stock Statistics & Valuation Metrics

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Total Valuation

Pathfinder Bancorp has a market cap or net worth of $83.45M. The enterprise value is $178.41M.
Market Cap$83.45M
Enterprise Value$178.41M

Share Statistics

Pathfinder Bancorp has 4,794,225 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,794,225
Owned by Insiders16.25%
Owned by Institutions11.00%

Financial Efficiency

Pathfinder Bancorp’s return on equity (ROE) is -0.03 and return on invested capital (ROIC) is -0.28%.
Return on Equity (ROE)-0.03
Return on Assets (ROA)>-0.01
Return on Invested Capital (ROIC)-0.28%
Return on Capital Employed (ROCE)>-0.01
Revenue Per Employee460.16K
Profits Per Employee-19.87K
Employee Count172
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Pathfinder Bancorp is ―. Pathfinder Bancorp’s PEG ratio is 0.11.
PE Ratio
PS Ratio1.12
PB Ratio0.73
Price to Fair Value0.73
Price to FCF0.00
Price to Operating Cash Flow9.34
PEG Ratio0.11

Income Statement

In the last 12 months, Pathfinder Bancorp had revenue of 79.15M and earned -3.42M in profits. Earnings per share was -0.54.
Revenue79.15M
Gross Profit30.49M
Operating Income-4.09M
Pretax Income-4.09M
Net Income-3.42M
EBITDA-1.94M
Earnings Per Share (EPS)-0.54

Cash Flow

In the last 12 months, operating cash flow was 9.01M and capital expenditures 0.00, giving a free cash flow of 9.01M billion.
Operating Cash Flow9.01M
Free Cash Flow9.01M
Free Cash Flow per Share1.88

Dividends & Yields

Pathfinder Bancorp pays an annual dividend of $0.1, resulting in a dividend yield of 2.86%
Dividend Per Share$0.1
Dividend Yield2.86%
Payout RatioN/A
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta-0.06
52-Week Price Change-19.52%
50-Day Moving Average13.87
200-Day Moving Average14.53
Relative Strength Index (RSI)46.39
Average Volume (3m)6.34K

Important Dates

Pathfinder Bancorp upcoming earnings date is May 4, 2026, TBA (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateMay 4, 2026
Ex-Dividend Date

Financial Position

Pathfinder Bancorp as a current ratio of 26.41, with Debt / Equity ratio of 88.64%
Current Ratio26.41
Quick Ratio26.41
Debt to Market Cap1.01
Net Debt to EBITDA-49.33
Interest Coverage Ratio-0.13

Taxes

In the past 12 months, Pathfinder Bancorp has paid -676.00K in taxes.
Income Tax-676.00K
Effective Tax Rate0.17

Enterprise Valuation

Pathfinder Bancorp EV to EBITDA ratio is -95.10, with an EV/FCF ratio of 0.00.
EV to Sales2.33
EV to EBITDA-95.10
EV to Free Cash Flow0.00
EV to Operating Cash Flow0.00

Balance Sheet

Pathfinder Bancorp has $288.34M in cash and marketable securities with $107.23M in debt, giving a net cash position of $181.11M billion.
Cash & Marketable Securities$288.34M
Total Debt$107.23M
Net Cash$181.11M
Net Cash Per Share$37.78
Tangible Book Value Per Share$17.57

Margins

Gross margin is 38.52%, with operating margin of -5.17%, and net profit margin of -4.32%.
Gross Margin38.52%
Operating Margin-5.17%
Pretax Margin-5.17%
Net Profit Margin-4.32%
EBITDA Margin-2.45%
EBIT Margin-5.17%

Analyst Forecast

The average price target for Pathfinder Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast0.84%
EPS Growth Forecast

Scores

Smart Score3
AI Score