Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	61	68	107	85	115	103
Market Cap Growth	-40.05%	-36.48%	24.92%	-25.98%	12.38%	97.49%
Enterprise Value	136.02	112.03	163.93	166.05	201.44	197.24
Last Close Price	-	14.11	17.50	14.01	19.14	17.17
PE Ratio	-	-26.13	32.41	9.28	8.99	8.29
PS Ratio	2.01	2.22	2.70	2.08	2.59	2.36
PB Ratio	0.65	0.56	0.88	0.72	1.04	0.93
P/TBV Ratio	-	0.56	0.68	-	-	-
P/FCF Ratio	-	4.15	11.67	6.35	6.99	5.42
P/OCF Ratio	-	4.15	9.52	5.54	5.31	5.10
EV/Sales Ratio	4.46	3.67	4.14	4.03	4.52	4.53
EV/EBITDA Ratio	-	-	172.01	54.66	61.85	31.72
EV/FCF Ratio	-	6.86	17.92	12.33	12.19	10.41
Debt / Equity Ratio	0.37	0.37	0.47	0.66	0.77	0.85
Debt / EBITDA Ratio	-	-	60.00	26.28	26.22	15.14
Debt / FCF Ratio	2.71	2.71	6.25	5.93	5.17	4.97
Net Debt / Equity Ratio	0.37	0.37	0.47	0.67	0.77	0.85
Net Debt / EBITDA Ratio	-	-	60.00	26.28	26.22	15.14
Net Debt / FCF Ratio	2.71	2.71	6.25	5.93	5.17	4.97
Asset Turnover	0.02	0.02	0.03	0.03	0.03	0.03
Return on Equity (ROE)	-2.82%	-2.82%	3.99%	8.13%	11.73%	12.01%
Earnings Yield	-5.58%	-3.83%	3.09%	10.78%	11.13%	12.06%
FCF Yield	-	24.10%	8.57%	15.76%	14.31%	18.44%
Dividend Yield	3.14%	0.00%	2.94%	0.00%	0.00%	0.00%
Payout Ratio	-	0.00%	71.74%	24.02%	16.08%	11.74%
Buyback Yield / Dilution	-1.92%	-2.48%	-	-	-	-
Total Shareholder Return	1.22%	-2.48%	2.94%	0.00%	0.00%	0.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q