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Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.15
+0.15 (0.94%)
Jul 30, 2026, 10:02 AM EDT - Market open

Pathfinder Bancorp Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Cap
1018710785115103
Market Cap Growth
9.71%-18.58%25.45%-25.98%12.38%97.49%
Last Close Price
16.1514.1117.5014.0119.1417.17

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
--32.419.288.998.29
PS Ratio
3.342.862.712.082.592.36
PB Ratio
0.810.710.880.721.040.93
P/TBV Ratio
0.180.610.750.751.090.97
P/FCF Ratio
20.568.3811.726.356.995.42
P/OCF Ratio
17.447.479.565.545.315.10

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.340.360.470.660.770.85
Debt / FCF Ratio
8.744.256.255.935.174.97
Net Debt / Equity Ratio
0.340.360.470.670.770.85
Net Debt / FCF Ratio
8.744.256.255.935.174.97
Asset Turnover
0.020.020.030.030.030.03
Return on Equity (ROE)
-2.03%-1.58%3.99%8.13%11.73%12.01%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
--3.09%10.78%11.13%12.06%
FCF Yield
4.86%11.94%8.53%15.76%14.31%18.44%
Dividend Yield
2.52%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
1.61%1.24%26.35%1.22%0.49%0.51%
SEC Filings: 10-K · 10-Q