Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $84.12 million. The enterprise value is $158.88 million.

Market Cap	84.12M
Enterprise Value	158.88M

Important Dates

The last earnings date was Thursday, January 29, 2026, after market close.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Jan 16, 2026

Share Statistics

PBHC has 6.19 million shares outstanding. The number of shares has increased by 1.92% in one year.

Current Share Class	4.81M
Shares Outstanding	6.19M
Shares Change (YoY)	+1.92%
Shares Change (QoQ)	-0.69%
Owned by Insiders (%)	14.36%
Owned by Institutions (%)	25.20%
Float	3.51M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	2.75
Forward PS	n/a
PB Ratio	0.70
P/TBV Ratio	0.76
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	5.21
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is -2.82%.

Return on Equity (ROE)	-2.82%
Return on Assets (ROA)	-0.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.10%
Revenue Per Employee	$167,516
Profits Per Employee	-$18,775
Employee Count	182
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-676,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -20.33% in the last 52 weeks. The beta is 0.09, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.09
52-Week Price Change	-20.33%
50-Day Moving Average	14.04
200-Day Moving Average	14.86
Relative Strength Index (RSI)	47.99
Average Volume (20 Days)	2,720

Short Selling Information

The latest short interest is 7,876, so 0.13% of the outstanding shares have been sold short.

Short Interest	7,876
Short Previous Month	6,192
Short % of Shares Out	0.13%
Short % of Float	0.22%
Short Ratio (days to cover)	1.18

Income Statement

In the last 12 months, PBHC had revenue of $30.49 million and -$3.42 million in losses. Loss per share was -$0.55.

Revenue	30.49M
Gross Profit	30.49M
Operating Income	-3.38M
Pretax Income	-4.09M
Net Income	-3.42M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$0.55

Balance Sheet

The company has $31.17 million in cash and $105.92 million in debt, with a net cash position of -$74.75 million or -$12.08 per share.

Cash & Cash Equivalents	31.17M
Total Debt	105.92M
Net Cash	-74.75M
Net Cash Per Share	-$12.08
Equity (Book Value)	120.97M
Book Value Per Share	19.56
Working Capital	-1.18B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	-11.10%
Pretax Margin	-13.42%
Profit Margin	-11.21%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.94%.

Dividend Per Share	$0.40
Dividend Yield	2.94%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	5
Payout Ratio	n/a
Buyback Yield	-1.92%
Shareholder Yield	1.02%
Earnings Yield	-4.06%
FCF Yield	n/a

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	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

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	n/a