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Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.71
+0.41 (2.52%)
Sep 9, 2026, 4:00 PM EDT - Market closed

Pathfinder Bancorp Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
1058710785114101
Market Cap Growth
13.42%-18.39%25.42%-25.29%12.65%89.20%
Last Close Price
16.7113.8216.7113.0017.3615.30

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
613.54-32.209.3511.7210.89
PS Ratio
3.112.862.702.072.562.33
PB Ratio
0.830.710.880.711.020.91
P/FCF Ratio
9.538.3611.676.326.905.34
P/OCF Ratio
8.877.469.525.525.245.02

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
1.440.871.121.761.370.99
Debt / FCF Ratio
16.4410.1714.9215.719.235.79
Net Debt / Equity Ratio
1.200.600.811.320.960.66
Net Debt / FCF Ratio
13.727.0310.8111.756.513.84
Return on Equity (ROE)
0.11%-1.58%3.99%8.13%11.73%12.01%
Return on Assets (ROA)
0.01%-0.13%0.33%0.66%0.97%1.00%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
0.16%-2.22%3.17%10.92%11.35%12.27%
FCF Yield
10.49%11.96%8.57%15.82%14.50%18.73%
Dividend Yield
2.39%2.89%2.39%2.77%2.07%1.83%
Payout Ratio
1465.31%-70.29%23.53%15.75%12.90%
Buyback Yield / Dilution
-1.86%-1.92%-1.01%-1.58%-13.71%-13.35%
Total Shareholder Return
0.53%0.97%1.38%1.19%-11.63%-11.52%
SEC Filings: 10-K · 10-Q