Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $89.73 million. The enterprise value is $128.15 million.

Market Cap	89.73M
Enterprise Value	128.15M

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 (%)	20.21%
Float	3.35M

Valuation Ratios

The trailing PE ratio is 27.73.

PE Ratio	27.73
Forward PE	n/a
PS Ratio	2.16
Forward PS	n/a
PB Ratio	0.72
P/TBV Ratio	0.79
P/FCF Ratio	6.44
P/OCF Ratio	5.47
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	39.83
EV / Sales	3.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.20

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 +14.59% in the last 52 weeks. The beta is 0.16, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.16
52-Week Price Change	+14.59%
50-Day Moving Average	15.14
200-Day Moving Average	16.43
Relative Strength Index (RSI)	41.33
Average Volume (20 Days)	6,966

Short Selling Information

The latest short interest is 3,811, so 0.06% of the outstanding shares have been sold short.

Short Interest	3,811
Short Previous Month	4,322
Short % of Shares Out	0.06%
Short % of Float	0.11%
Short Ratio (days to cover)	0.50

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 Statement

Balance 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	20.34
Working Capital	-1.23B

Full Balance Sheet

Cash 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 Statement

Margins

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%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.74%.

Dividend Per Share	$0.40
Dividend Yield	2.74%
Dividend Growth (YoY)	8.11%
Years of Dividend Growth	4
Payout Ratio	75.92%
Buyback Yield	-0.83%
Shareholder Yield	1.91%
Earnings Yield	3.59%
FCF Yield	15.53%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 17, 2014. It was a forward split with a ratio of 1.6472:1.

Last Split Date	Oct 17, 2014
Split Type	Forward
Split Ratio	1.6472:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4