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Pathfinder Bancorp (PBHC)
NASDAQ:PBHC
US Market
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Pathfinder Bancorp (PBHC) Stock Statistics & Valuation Metrics

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Total Valuation

Pathfinder Bancorp has a market cap or net worth of $89.17M. The enterprise value is $222.70M.
Market Cap$89.17M
Enterprise Value$222.70M

Share Statistics

Pathfinder Bancorp has 4,761,182 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,761,182
Owned by Insiders16.18%
Owned by Institutions10.94%

Financial Efficiency

Pathfinder Bancorp’s return on equity (ROE) is 0.03 and return on invested capital (ROIC) is 1.79%.
Return on Equity (ROE)0.03
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)1.79%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee485.35K
Profits Per Employee19.67K
Employee Count172
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Pathfinder Bancorp is 155.6. Pathfinder Bancorp’s PEG ratio is ―.
PE Ratio155.6
PS Ratio
PB Ratio
Price to Fair Value0.88
Price to FCF
Price to Operating Cash Flow4.37
PEG Ratio

Income Statement

In the last 12 months, Pathfinder Bancorp had revenue of 83.48M and earned 3.38M in profits. Earnings per share was 0.42.
Revenue83.48M
Gross Profit35.14M
Operating Income5.16M
Pretax Income5.16M
Net Income3.38M
EBITDA6.50M
Earnings Per Share (EPS)0.42

Cash Flow

In the last 12 months, operating cash flow was 16.40M and capital expenditures -8.74M, giving a free cash flow of 7.66M billion.
Operating Cash Flow16.40M
Free Cash Flow7.66M
Free Cash Flow per Share1.61

Dividends & Yields

Pathfinder Bancorp pays an annual dividend of $0.1, resulting in a dividend yield of 2.72%
Dividend Per Share$0.1
Dividend Yield2.72%
Payout RatioN/A
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.01
52-Week Price Change-6.28%
50-Day Moving Average14.83
200-Day Moving Average15.89
Relative Strength Index (RSI)48.16
Average Volume (3m)3.10K

Important Dates

Pathfinder Bancorp upcoming earnings date is Oct 29, 2025, TBA (Confirmed).
Last Earnings DateJul 30, 2025
Next Earnings DateOct 29, 2025
Ex-Dividend DateJul 18, 2025

Financial Position

Pathfinder Bancorp as a current ratio of 0.24, with Debt / Equity ratio of 116.20%
Current Ratio0.24
Quick Ratio0.24
Debt to Market Cap1.11
Net Debt to EBITDA16.15
Interest Coverage Ratio0.14

Taxes

In the past 12 months, Pathfinder Bancorp has paid 332.00K in taxes.
Income Tax332.00K
Effective Tax Rate0.06

Enterprise Valuation

Pathfinder Bancorp EV to EBITDA ratio is 32.57, with an EV/FCF ratio of 73.57.
EV to Sales2.53
EV to EBITDA32.57
EV to Free Cash Flow73.57
EV to Operating Cash Flow18.88

Balance Sheet

Pathfinder Bancorp has $335.52M in cash and marketable securities with $93.00M in debt, giving a net cash position of -$242.52M billion.
Cash & Marketable Securities$335.52M
Total Debt$93.00M
Net Cash-$242.52M
Net Cash Per Share-$50.94
Tangible Book Value Per Share$18.12

Margins

Gross margin is 21.75%, with operating margin of 6.18%, and net profit margin of 4.05%.
Gross Margin21.75%
Operating Margin6.18%
Pretax Margin6.18%
Net Profit Margin4.05%
EBITDA Margin7.78%
EBIT Margin6.18%

Analyst Forecast

The average price target for Pathfinder Bancorp is $15.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$15.50
Price Target Upside6.02% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast8.19%
EPS Growth Forecast

Scores

Smart Score2
AI Score58.9
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