Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $93.35 million. The enterprise value is $131.77 million.
Important Dates
The next estimated earnings date is Monday, July 28, 2025, after market close.
| Earnings Date | Jul 28, 2025 |
| Ex-Dividend Date | Apr 17, 2025 |
Share Statistics
PBHC has 6.14 million shares outstanding. The number of shares has increased by 0.83% in one year.
| Current Share Class | 4.76M |
| Shares Outstanding | 6.14M |
| Shares Change (YoY) | +0.83% |
| Shares Change (QoQ) | +0.28% |
| Owned by Insiders (%) | 16.38% |
| Owned by Institutions (%) | 21.17% |
| Float | 3.35M |
Valuation Ratios
The trailing PE ratio is 28.85.
| PE Ratio | 28.85 |
| Forward PE | n/a |
| PS Ratio | 2.25 |
| Forward PS | n/a |
| PB Ratio | 0.76 |
| P/TBV Ratio | 0.82 |
| P/FCF Ratio | 6.70 |
| P/OCF Ratio | 5.69 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 40.96 |
| EV / Sales | 3.19 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.46 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.67 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.55%.
| Return on Equity (ROE) | 4.55% |
| Return on Assets (ROA) | 0.38% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $227,016 |
| Profits Per Employee | $17,676 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PBHC has paid $544,000 in taxes.
| Income Tax | 544,000 |
| Effective Tax Rate | 8.81% |
Stock Price Statistics
The stock price has increased by +20.56% in the last 52 weeks. The beta is 0.13, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.13 |
| 52-Week Price Change | +20.56% |
| 50-Day Moving Average | 15.49 |
| 200-Day Moving Average | 16.48 |
| Relative Strength Index (RSI) | 48.98 |
| Average Volume (20 Days) | 7,798 |
Short Selling Information
The latest short interest is 4,322, so 0.07% of the outstanding shares have been sold short.
| Short Interest | 4,322 |
| Short Previous Month | 2,255 |
| Short % of Shares Out | 0.07% |
| Short % of Float | 0.13% |
| Short Ratio (days to cover) | 0.85 |
Income Statement
In the last 12 months, PBHC had revenue of $41.32 million and earned $3.22 million in profits. Earnings per share was $0.53.
| Revenue | 41.32M |
| Gross Profit | 41.32M |
| Operating Income | 7.19M |
| Pretax Income | 11.04M |
| Net Income | 3.22M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.53 |
Full Income StatementBalance Sheet
The company has $54.58 million in cash and $93.00 million in debt, giving a net cash position of -$38.42 million or -$6.26 per share.
| Cash & Cash Equivalents | 54.58M |
| Total Debt | 93.00M |
| Net Cash | -38.42M |
| Net Cash Per Share | -$6.26 |
| Equity (Book Value) | 124.90M |
| Book Value Per Share | 19.93 |
| Working Capital | -1.23B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $16.40 million and capital expenditures -$2.47 million, giving a free cash flow of $13.93 million.
| Operating Cash Flow | 16.40M |
| Capital Expenditures | -2.47M |
| Free Cash Flow | 13.93M |
| FCF Per Share | $2.27 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 17.39% |
| Pretax Margin | 14.94% |
| Profit Margin | 10.25% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 33.72% |