Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 20, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	107	85	114	101	53	64
Market Cap Growth	15.29%	-25.29%	12.65%	89.21%	-16.14%	-3.36%
Last Close Price	17.61	13.62	18.18	16.02	10.52	12.46
PE Ratio	70.35	12.12	11.72	10.89	9.89	17.81
PS Ratio	3.02	2.07	2.56	2.32	1.60	2.04
PB Ratio	0.89	0.71	1.02	0.91	0.55	0.70
P/FCF Ratio	5.27	6.32	6.89	5.34	1.18	14.09
P/OCF Ratio	4.82	5.52	5.24	5.02	1.15	7.85
Debt / Equity Ratio	1.23	1.76	1.37	0.99	1.28	1.23
Debt / FCF Ratio	7.29	15.71	9.23	5.79	2.75	24.66
Return on Equity (ROE)	1.82%	8.13%	11.73%	12.01%	7.48%	5.53%
Return on Assets (ROA)	0.15%	0.66%	0.97%	1.00%	0.61%	0.42%
Earnings Yield	1.42%	10.92%	11.35%	12.27%	13.00%	6.71%
FCF Yield	18.97%	15.82%	14.50%	18.73%	84.75%	7.10%
Dividend Yield	2.27%	2.64%	1.98%	1.75%	2.28%	1.93%
Payout Ratio	159.79%	23.53%	15.75%	12.90%	20.35%	28.77%
Buyback Yield / Dilution	-1.29%	-1.58%	-13.71%	-13.35%	-3.23%	-4.64%
Total Shareholder Return	0.98%	1.06%	-11.73%	-11.60%	-0.94%	-2.71%

Source: S&P Capital IQ. Banks template. Financial Sources.