Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $87.12 million. The enterprise value is $150.04 million.

Market Cap	87.12M
Enterprise Value	150.04M

Important Dates

The last earnings date was Thursday, October 30, 2025, after market close.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Oct 17, 2025

Share Statistics

PBHC has 6.17 million shares outstanding. The number of shares has increased by 1.56% in one year.

Current Share Class	4.79M
Shares Outstanding	6.17M
Shares Change (YoY)	+1.56%
Shares Change (QoQ)	+0.50%
Owned by Insiders (%)	14.19%
Owned by Institutions (%)	23.86%
Float	3.51M

Valuation Ratios

The trailing PE ratio is 13.13.

PE Ratio	13.13
Forward PE	n/a
PS Ratio	1.96
Forward PS	n/a
PB Ratio	0.69
P/TBV Ratio	0.75
P/FCF Ratio	17.69
P/OCF Ratio	13.71
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	22.60
EV / Sales	3.40
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	30.47

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	21.27
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.19%.

Return on Equity (ROE)	7.19%
Return on Assets (ROA)	0.60%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$242,604
Profits Per Employee	$36,473
Employee Count	182
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PBHC has paid $1.29 million in taxes.

Income Tax	1.29M
Effective Tax Rate	12.66%

Stock Price Statistics

The stock price has decreased by -17.00% in the last 52 weeks. The beta is 0.11, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.11
52-Week Price Change	-17.00%
50-Day Moving Average	14.99
200-Day Moving Average	15.43
Relative Strength Index (RSI)	37.88
Average Volume (20 Days)	3,579

Short Selling Information

The latest short interest is 4,581, so 0.07% of the outstanding shares have been sold short.

Short Interest	4,581
Short Previous Month	3,918
Short % of Shares Out	0.07%
Short % of Float	0.13%
Short Ratio (days to cover)	1.18

Income Statement

In the last 12 months, PBHC had revenue of $44.15 million and earned $6.64 million in profits. Earnings per share was $1.07.

Revenue	44.15M
Gross Profit	44.15M
Operating Income	10.91M
Pretax Income	10.18M
Net Income	6.64M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.07

Balance Sheet

The company has $41.84 million in cash and $104.77 million in debt, giving a net cash position of -$62.92 million or -$10.19 per share.

Cash & Cash Equivalents	41.84M
Total Debt	104.77M
Net Cash	-62.92M
Net Cash Per Share	-$10.19
Equity (Book Value)	126.34M
Book Value Per Share	20.46
Working Capital	-1.22B

Cash Flow

In the last 12 months, operating cash flow was $6.35 million and capital expenditures -$1.43 million, giving a free cash flow of $4.93 million.

Operating Cash Flow	6.35M
Capital Expenditures	-1.43M
Free Cash Flow	4.93M
FCF Per Share	$0.80

Margins

Gross Margin	n/a
Operating Margin	24.70%
Pretax Margin	23.05%
Profit Margin	17.07%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	11.15%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.83%.

Dividend Per Share	$0.40
Dividend Yield	2.83%
Dividend Growth (YoY)	2.56%
Years of Dividend Growth	4
Payout Ratio	37.23%
Buyback Yield	-1.56%
Shareholder Yield	1.28%
Earnings Yield	7.62%
FCF Yield	5.65%

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	3