Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $91.69 million. The enterprise value is $155.88 million.

Market Cap	91.69M
Enterprise Value	155.88M

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 0.93% in one year.

Current Share Class	4.79M
Shares Outstanding	6.17M
Shares Change (YoY)	+0.93%
Shares Change (QoQ)	-0.34%
Owned by Insiders (%)	14.11%
Owned by Institutions (%)	23.44%
Float	3.51M

Valuation Ratios

The trailing PE ratio is 13.57.

PE Ratio	13.57
Forward PE	n/a
PS Ratio	2.06
Forward PS	n/a
PB Ratio	0.73
P/TBV Ratio	0.79
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.20
EV / Sales	3.53
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 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	$242,599
Profits Per Employee	$36,923
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 -15.82% in the last 52 weeks. The beta is 0.10, so PBHC's price volatility has been lower than the market average.

Beta (5Y)	0.10
52-Week Price Change	-15.82%
50-Day Moving Average	15.16
200-Day Moving Average	15.46
Relative Strength Index (RSI)	41.78
Average Volume (20 Days)	2,668

Short Selling Information

The latest short interest is 3,918, so 0.06% of the outstanding shares have been sold short.

Short Interest	3,918
Short Previous Month	3,556
Short % of Shares Out	0.06%
Short % of Float	0.11%
Short Ratio (days to cover)	1.18

Income Statement

In the last 12 months, PBHC had revenue of $44.15 million and earned $6.72 million in profits. Earnings per share was $1.09.

Revenue	44.15M
Gross Profit	44.15M
Operating Income	10.91M
Pretax Income	10.18M
Net Income	6.72M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.09

Balance Sheet

The company has $40.57 million in cash and $104.77 million in debt, giving a net cash position of -$64.19 million or -$10.40 per share.

Cash & Cash Equivalents	40.57M
Total Debt	104.77M
Net Cash	-64.19M
Net Cash Per Share	-$10.40
Equity (Book Value)	126.34M
Book Value Per Share	20.46
Working Capital	-1.22B

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	24.70%
Pretax Margin	23.05%
Profit Margin	17.07%
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 2.69%.

Dividend Per Share	$0.40
Dividend Yield	2.69%
Dividend Growth (YoY)	2.56%
Years of Dividend Growth	4
Payout Ratio	36.55%
Buyback Yield	-0.93%
Shareholder Yield	1.77%
Earnings Yield	7.33%
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
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	2