Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $92.53 million. The enterprise value is $203.95 million.

Market Cap	92.53M
Enterprise Value	203.95M

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025, after market close.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Jul 18, 2025

Share Statistics

PBHC has 6.17 million shares outstanding. The number of shares has increased by 1.26% in one year.

Current Share Class	4.79M
Shares Outstanding	6.17M
Shares Change (YoY)	+1.26%
Shares Change (QoQ)	+1.01%
Owned by Insiders (%)	16.36%
Owned by Institutions (%)	21.61%
Float	3.37M

Valuation Ratios

The trailing PE ratio is 53.44.

PE Ratio	53.44
Forward PE	n/a
PS Ratio	2.35
Forward PS	n/a
PB Ratio	0.74
P/TBV Ratio	0.81
P/FCF Ratio	9.91
P/OCF Ratio	8.30
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	118.17
EV / Sales	5.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	21.85

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	15.49
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.93%.

Return on Equity (ROE)	2.93%
Return on Assets (ROA)	0.25%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$214,368
Profits Per Employee	$9,484
Employee Count	182
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PBHC has paid $70,000 in taxes.

Income Tax	70,000
Effective Tax Rate	1.88%

Stock Price Statistics

The stock price has decreased by -6.36% in the last 52 weeks. The beta is 0.17, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.17
52-Week Price Change	-6.36%
50-Day Moving Average	14.87
200-Day Moving Average	15.96
Relative Strength Index (RSI)	57.58
Average Volume (20 Days)	3,953

Short Selling Information

The latest short interest is 4,904, so 0.08% of the outstanding shares have been sold short.

Short Interest	4,904
Short Previous Month	4,769
Short % of Shares Out	0.08%
Short % of Float	0.15%
Short Ratio (days to cover)	1.56

Income Statement

In the last 12 months, PBHC had revenue of $39.02 million and earned $1.73 million in profits. Earnings per share was $0.28.

Revenue	39.02M
Gross Profit	39.02M
Operating Income	4.50M
Pretax Income	11.04M
Net Income	1.73M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.28

Balance Sheet

The company has $33.14 million in cash and $144.56 million in debt, giving a net cash position of -$111.43 million or -$18.06 per share.

Cash & Cash Equivalents	33.14M
Total Debt	144.56M
Net Cash	-111.43M
Net Cash Per Share	-$18.06
Equity (Book Value)	124.41M
Book Value Per Share	20.17
Working Capital	-1.26B

Cash Flow

In the last 12 months, operating cash flow was $11.15 million and capital expenditures -$1.81 million, giving a free cash flow of $9.34 million.

Operating Cash Flow	11.15M
Capital Expenditures	-1.81M
Free Cash Flow	9.34M
FCF Per Share	$1.51

Margins

Gross Margin	n/a
Operating Margin	11.54%
Pretax Margin	9.53%
Profit Margin	5.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.93%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.67%.

Dividend Per Share	$0.40
Dividend Yield	2.67%
Dividend Growth (YoY)	5.26%
Years of Dividend Growth	4
Payout Ratio	142.51%
Buyback Yield	-1.26%
Shareholder Yield	1.40%
Earnings Yield	1.87%
FCF Yield	10.09%

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