Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $104.92 million. The enterprise value is $255.96 million.
| Market Cap | 104.92M |
| Enterprise Value | 255.96M |
Important Dates
The next estimated earnings date is Thursday, October 29, 2026, after market close.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Jul 17, 2026 |
Share Statistics
PBHC has 6.28 million shares outstanding. The number of shares has increased by 1.86% in one year.
| Current Share Class | 4.90M |
| Shares Outstanding | 6.28M |
| Shares Change (YoY) | +1.86% |
| Shares Change (QoQ) | +1.13% |
| Owned by Insiders (%) | 14.37% |
| Owned by Institutions (%) | 23.20% |
| Float | 3.59M |
Valuation Ratios
The trailing PE ratio is 613.54.
| PE Ratio | 613.54 |
| Forward PE | n/a |
| PS Ratio | 3.11 |
| Forward PS | n/a |
| PB Ratio | 0.83 |
| P/TBV Ratio | 0.91 |
| P/FCF Ratio | 9.53 |
| P/OCF Ratio | 8.87 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 1,496.85 |
| EV / Sales | 7.58 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 23.25 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 16.44 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 0.11%.
| Return on Equity (ROE) | 0.11% |
| Return on Assets (ROA) | 0.01% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.81% |
| Revenue Per Employee | $185,648 |
| Profits Per Employee | $940 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.80M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +10.66% in the last 52 weeks. The beta is 0.12, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.12 |
| 52-Week Price Change | +10.66% |
| 50-Day Moving Average | 16.17 |
| 200-Day Moving Average | 14.70 |
| Relative Strength Index (RSI) | 60.91 |
| Average Volume (20 Days) | 6,126 |
Short Selling Information
The latest short interest is 11,821, so 0.19% of the outstanding shares have been sold short.
| Short Interest | 11,821 |
| Short Previous Month | 12,324 |
| Short % of Shares Out | 0.19% |
| Short % of Float | 0.33% |
| Short Ratio (days to cover) | 1.98 |
Income Statement
In the last 12 months, PBHC had revenue of $33.79 million and earned $171,000 in profits. Earnings per share was $0.03.
| Revenue | 33.79M |
| Gross Profit | 33.79M |
| Operating Income | -759,000 |
| Pretax Income | -1.65M |
| Net Income | 171,000 |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.03 |
Balance Sheet
The company has $29.94 million in cash and $180.99 million in debt, with a net cash position of -$151.05 million or -$24.06 per share.
| Cash & Cash Equivalents | 29.94M |
| Total Debt | 180.99M |
| Net Cash | -151.05M |
| Net Cash Per Share | -$24.06 |
| Equity (Book Value) | 125.74M |
| Book Value Per Share | 20.03 |
| Working Capital | -1.26B |
Cash Flow
In the last 12 months, operating cash flow was $11.82 million and capital expenditures -$812,000, giving a free cash flow of $11.01 million.
| Operating Cash Flow | 11.82M |
| Capital Expenditures | -812,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 36.90M |
| Free Cash Flow | 11.01M |
| FCF Per Share | $1.75 |
Margins
| Gross Margin | n/a |
| Operating Margin | -2.25% |
| Pretax Margin | -4.89% |
| Profit Margin | 0.42% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.59% |
Dividends & Yields
This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.39%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.39% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 5 |
| Payout Ratio | 1,465.31% |
| Buyback Yield | -1.86% |
| Shareholder Yield | 0.53% |
| Earnings Yield | 0.16% |
| FCF Yield | 10.49% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |