Pathfinder Bancorp Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 9, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	100	87	107	85	115	103
Market Cap Growth	12.48%	-18.58%	25.45%	-25.98%	12.38%	97.49%
Last Close Price	15.91	14.11	17.50	14.01	19.14	17.17
PE Ratio	-	-	32.41	9.28	8.99	8.29
PS Ratio	3.32	2.86	2.71	2.08	2.59	2.36
PB Ratio	0.81	0.71	0.88	0.72	1.04	0.93
P/TBV Ratio	0.17	0.61	0.75	0.75	1.09	0.97
P/FCF Ratio	20.45	8.38	11.72	6.35	6.99	5.42
P/OCF Ratio	17.34	7.47	9.56	5.54	5.31	5.10
Debt / Equity Ratio	0.34	0.36	0.47	0.66	0.77	0.85
Debt / FCF Ratio	8.74	4.25	6.25	5.93	5.17	4.97
Net Debt / Equity Ratio	0.34	0.36	0.47	0.67	0.77	0.85
Net Debt / FCF Ratio	8.74	4.25	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)	-2.03%	-1.58%	3.99%	8.13%	11.73%	12.01%
Earnings Yield	-	-	3.09%	10.78%	11.13%	12.06%
FCF Yield	4.89%	11.94%	8.53%	15.76%	14.31%	18.44%
Dividend Yield	2.51%	3.72%	2.94%	2.59%	1.79%	1.41%
Payout Ratio	-	-129.85%	71.74%	24.02%	16.08%	11.74%
Buyback Yield / Dilution	-0.91%	-2.48%	23.40%	-1.37%	-1.30%	-0.90%
Total Shareholder Return	1.60%	1.24%	26.35%	1.22%	0.49%	0.51%

SEC Filings: 10-K · 10-Q