Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Statistics

Total Valuation

PBHC has a market cap or net worth of $84.90 million. The enterprise value is $158.96 million.

Market Cap	84.90M
Enterprise Value	158.96M

Important Dates

The next estimated earnings date is Thursday, April 30, 2026, after market close.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	Apr 17, 2026

Share Statistics

PBHC has 6.26 million shares outstanding. The number of shares has increased by 1.92% in one year.

Current Share Class	4.88M
Shares Outstanding	6.26M
Shares Change (YoY)	+1.92%
Shares Change (QoQ)	-0.69%
Owned by Insiders (%)	14.78%
Owned by Institutions (%)	22.90%
Float	3.54M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	2.81
Forward PS	n/a
PB Ratio	0.69
P/TBV Ratio	0.77
P/FCF Ratio	8.23
P/OCF Ratio	7.34
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	5.21
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.26

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	10.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -1.58%.

Return on Equity (ROE)	-1.58%
Return on Assets (ROA)	-0.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.18%
Revenue Per Employee	$167,516
Profits Per Employee	-$10,412
Employee Count	182
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-2.16M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -10.49% 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	-10.49%
50-Day Moving Average	13.51
200-Day Moving Average	14.55
Relative Strength Index (RSI)	52.06
Average Volume (20 Days)	3,861

Short Selling Information

The latest short interest is 6,793, so 0.11% of the outstanding shares have been sold short.

Short Interest	6,793
Short Previous Month	6,120
Short % of Shares Out	0.11%
Short % of Float	0.19%
Short Ratio (days to cover)	2.43

Income Statement

In the last 12 months, PBHC had revenue of $30.49 million and -$1.90 million in losses. Loss per share was -$0.31.

Revenue	30.49M
Gross Profit	30.49M
Operating Income	-3.38M
Pretax Income	-4.09M
Net Income	-1.90M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$0.31

Balance Sheet

The company has $32.68 million in cash and $105.92 million in debt, with a net cash position of -$73.25 million or -$11.71 per share.

Cash & Cash Equivalents	32.68M
Total Debt	105.92M
Net Cash	-73.25M
Net Cash Per Share	-$11.71
Equity (Book Value)	122.45M
Book Value Per Share	19.80
Working Capital	-1.19B

Cash Flow

In the last 12 months, operating cash flow was $11.68 million and capital expenditures -$1.26 million, giving a free cash flow of $10.42 million.

Operating Cash Flow	11.68M
Capital Expenditures	-1.26M
Depreciation & Amortization	n/a
Net Borrowing	-29.99M
Free Cash Flow	10.42M
FCF Per Share	$1.66

Margins

Gross Margin	n/a
Operating Margin	-11.10%
Pretax Margin	-13.42%
Profit Margin	-6.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	34.17%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.95%.

Dividend Per Share	$0.40
Dividend Yield	2.95%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	5
Payout Ratio	n/a
Buyback Yield	-1.92%
Shareholder Yield	1.00%
Earnings Yield	-2.21%
FCF Yield	12.15%

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	2