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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 $102.29M. The enterprise value is $270.20.
Market Cap$102.29M
Enterprise Value$270.20

Share Statistics

Pathfinder Bancorp has 4,876,213 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,876,213
Owned by Insiders13.20%
Owned by Institutions0.79%

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 Employee15.15K
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 FCF8.87
Price to Operating Cash Flow14.32
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 5.55M and capital expenditures 116.00K, giving a free cash flow of 5.67M billion.
Operating Cash Flow5.55M
Free Cash Flow5.67M
Free Cash Flow per Share1.16

Dividends & Yields

Pathfinder Bancorp pays an annual dividend of $0.1, resulting in a dividend yield of 2.45%
Dividend Per Share$0.1
Dividend Yield2.45%
Payout Ratio-434.78%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.10
52-Week Price Change16.99%
50-Day Moving Average15.33
200-Day Moving Average14.14
Relative Strength Index (RSI)52.77
Average Volume (3m)6.34K

Important Dates

Pathfinder Bancorp upcoming earnings date is Nov 4, 2026, TBA (Confirmed).
Last Earnings DateJul 30, 2026
Next Earnings DateNov 4, 2026
Ex-Dividend Date

Financial Position

Pathfinder Bancorp as a current ratio of 26.41, with Debt / Equity ratio of 99.41%
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 18.42.
EV to Sales2.33
EV to EBITDA-95.10
EV to Free Cash Flow18.42
EV to Operating Cash Flow16.36

Balance Sheet

Pathfinder Bancorp has $286.89M in cash and marketable securities with $75.11M in debt, giving a net cash position of $211.78M billion.
Cash & Marketable Securities$286.89M
Total Debt$75.11M
Net Cash$211.78M
Net Cash Per Share$43.43
Tangible Book Value Per Share$17.57

Margins

Gross margin is 43.04%, with operating margin of -5.17%, and net profit margin of -4.32%.
Gross Margin43.04%
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 Forecast-7.07%
EPS Growth Forecast151.23%

Scores

Smart Score7
AI Score