Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Ratios and Metrics

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

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	92	85	115	102	52	65
Market Cap Growth	-27.51%	-25.60%	12.18%	96.94%	-20.55%	-4.12%
Enterprise Value	236	248	232	175	133	156
PE Ratio	10.56	9.20	8.88	8.25	7.48	18.29
PS Ratio	2.25	2.08	2.58	2.35	1.56	2.10
PB Ratio	0.75	0.72	1.03	0.93	0.53	0.72
P/FCF Ratio	11.64	6.35	6.56	5.34	1.15	14.46
P/OCF Ratio	9.25	5.54	5.29	5.08	1.12	8.06
EV/Sales Ratio	5.79	6.03	5.21	4.02	3.96	5.01
EV/EBITDA Ratio	19.07	19.11	14.25	9.87	13.77	22.31
EV/EBIT Ratio	21.35	21.31	14.89	11.00	16.07	28.70
EV/FCF Ratio	29.98	18.44	13.25	9.12	2.93	34.52
Debt / Equity Ratio	1.42	1.77	1.37	0.99	1.27	1.23
Debt / EBITDA Ratio	14.03	16.28	9.37	6.19	12.88	15.85
Debt / FCF Ratio	22.06	15.71	8.71	5.72	2.74	24.51
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03
Return on Equity (ROE)	7.50%	8.10%	11.90%	11.80%	7.50%	4.30%
Return on Assets (ROA)	0.60%	0.70%	0.90%	1.00%	0.60%	0.30%
Return on Capital (ROIC)	3.01%	2.84%	4.94%	5.68%	3.18%	2.13%
Earnings Yield	9.63%	10.87%	11.26%	12.12%	13.37%	5.47%
FCF Yield	8.59%	15.76%	15.25%	18.72%	87.13%	6.91%
Dividend Yield	2.67%	2.60%	1.80%	1.60%	2.10%	1.70%
Payout Ratio	28.17%	23.80%	16.00%	13.00%	20.50%	30.00%
Buyback Yield / Dilution	-1.13%	-1.64%	-0.63%	-31.68%	3.80%	-8.02%
Total Shareholder Return	1.54%	0.96%	1.17%	-30.08%	5.90%	-6.32%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).