Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 21, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	105	107	85	114	101	53
Market Cap Growth	25.42%	25.42%	-25.29%	12.65%	89.21%	-16.14%
Last Close Price	17.24	17.39	13.54	18.07	15.93	10.46
PE Ratio	27.94	28.39	12.12	11.72	10.89	9.89
PS Ratio	2.63	2.67	2.07	2.56	2.32	1.60
PB Ratio	0.86	0.88	0.71	1.02	0.91	0.55
P/FCF Ratio	-	-	6.32	6.89	5.34	1.18
P/OCF Ratio	-	-	5.52	5.24	5.02	1.15
Debt / Equity Ratio	1.12	1.12	1.76	1.37	0.99	1.28
Debt / FCF Ratio	-	-	15.71	9.23	5.79	2.75
Return on Equity (ROE)	4.30%	4.30%	8.13%	11.73%	12.01%	7.48%
Return on Assets (ROA)	0.35%	0.35%	0.66%	0.97%	1.00%	0.61%
Earnings Yield	3.58%	3.52%	10.92%	11.35%	12.27%	13.00%
FCF Yield	-	15.82%	14.50%	18.73%	84.75%
Dividend Yield	2.32%	2.30%	2.66%	1.99%	1.76%	2.29%
Payout Ratio	64.83%	-	23.53%	15.75%	12.90%	20.35%
Buyback Yield / Dilution	-1.01%	-1.01%	-1.58%	-13.71%	-13.35%	-3.23%
Total Shareholder Return	1.31%	1.29%	1.08%	-11.72%	-11.59%	-0.93%

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