Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $104.04 million. The enterprise value is $265.39 million.
| Market Cap | 104.04M |
| Enterprise Value | 265.39M |
Important Dates
The last earnings date was Monday, November 2, 2026, before market open.
| Earnings Date | Nov 2, 2026 |
| Ex-Dividend Date | Oct 16, 2026 |
Share Statistics
PBHC has 6.28 million shares outstanding. The number of shares has increased by 2.04% in one year.
| Current Share Class | 4.90M |
| Shares Outstanding | 6.28M |
| Shares Change (YoY) | +2.04% |
| Shares Change (QoQ) | +0.62% |
| Owned by Insiders (%) | 14.37% |
| Owned by Institutions (%) | 23.22% |
| Float | 3.59M |
Valuation Ratios
The trailing PE ratio is 64.33.
| PE Ratio | 64.33 |
| Forward PE | n/a |
| PS Ratio | 2.89 |
| Forward PS | n/a |
| PB Ratio | 0.88 |
| P/TBV Ratio | 0.96 |
| P/FCF Ratio | 9.45 |
| P/OCF Ratio | 8.80 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 163.42 |
| EV / Sales | 7.36 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 24.10 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.71 |
| Debt / EBITDA | n/a |
| Debt / FCF | 18.44 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 1.29%.
| Return on Equity (ROE) | 1.29% |
| Return on Assets (ROA) | 0.11% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.65% |
| Revenue Per Employee | $198,110 |
| Profits Per Employee | $8,923 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.39M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +9.74% 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 | +9.74% |
| 50-Day Moving Average | 16.80 |
| 200-Day Moving Average | 15.06 |
| Relative Strength Index (RSI) | 45.69 |
| Average Volume (20 Days) | 3,065 |
Short Selling Information
The latest short interest is 8,634, so 0.14% of the outstanding shares have been sold short.
| Short Interest | 8,634 |
| Short Previous Month | 8,978 |
| Short % of Shares Out | 0.14% |
| Short % of Float | 0.24% |
| Short Ratio (days to cover) | 4.65 |
Income Statement
In the last 12 months, PBHC had revenue of $36.06 million and earned $1.62 million in profits. Earnings per share was $0.26.
| Revenue | 36.06M |
| Gross Profit | 36.06M |
| Operating Income | 1.25M |
| Pretax Income | 198,000 |
| Net Income | 1.62M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.26 |
Balance Sheet
The company has $41.70 million in cash and $203.05 million in debt, with a net cash position of -$161.35 million or -$25.70 per share.
| Cash & Cash Equivalents | 41.70M |
| Total Debt | 203.05M |
| Net Cash | -161.35M |
| Net Cash Per Share | -$25.70 |
| Equity (Book Value) | 118.77M |
| Book Value Per Share | 18.92 |
| 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 | 3.47% |
| Pretax Margin | 0.55% |
| Profit Margin | 4.40% |
| 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 2.41%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.41% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 5 |
| Payout Ratio | 155.29% |
| FCF Payout Ratio | 22.81% |
| Buyback Yield | -2.04% |
| Shareholder Yield | 0.38% |
| Earnings Yield | 1.55% |
| FCF Yield | 10.58% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |