Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $99.54 million. The enterprise value is $133.10 million.
| Market Cap | 99.54M |
| Enterprise Value | 133.10M |
Important Dates
The next estimated earnings date is Wednesday, July 29, 2026, after market close.
| Earnings Date | Jul 29, 2026 |
| Ex-Dividend Date | Jul 17, 2026 |
Share Statistics
PBHC has 6.26 million shares outstanding. The number of shares has increased by 0.91% in one year.
| Current Share Class | 4.88M |
| Shares Outstanding | 6.26M |
| Shares Change (YoY) | +0.91% |
| Shares Change (QoQ) | +1.39% |
| Owned by Insiders (%) | 14.42% |
| Owned by Institutions (%) | 23.20% |
| Float | 3.56M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | n/a |
| PS Ratio | 3.32 |
| Forward PS | n/a |
| PB Ratio | 0.81 |
| P/TBV Ratio | 0.88 |
| P/FCF Ratio | 20.45 |
| P/OCF Ratio | 17.34 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 4.44 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 27.34 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 15.43 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -2.01%.
| Return on Equity (ROE) | -2.01% |
| Return on Assets (ROA) | -0.17% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.84% |
| Revenue Per Employee | $164,681 |
| Profits Per Employee | -$13,429 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -2.37M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +6.00% in the last 52 weeks. The beta is 0.13, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.13 |
| 52-Week Price Change | +6.00% |
| 50-Day Moving Average | 14.62 |
| 200-Day Moving Average | 14.43 |
| Relative Strength Index (RSI) | 57.20 |
| Average Volume (20 Days) | 15,346 |
Short Selling Information
The latest short interest is 8,936, so 0.14% of the outstanding shares have been sold short.
| Short Interest | 8,936 |
| Short Previous Month | 7,321 |
| Short % of Shares Out | 0.14% |
| Short % of Float | 0.25% |
| Short Ratio (days to cover) | 1.02 |
Income Statement
In the last 12 months, PBHC had revenue of $29.97 million and -$2.44 million in losses. Loss per share was -$0.40.
| Revenue | 29.97M |
| Gross Profit | 29.97M |
| Operating Income | -4.20M |
| Pretax Income | -4.87M |
| Net Income | -2.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$0.40 |
Balance Sheet
The company has $41.55 million in cash and $75.11 million in debt, with a net cash position of -$33.56 million or -$5.36 per share.
| Cash & Cash Equivalents | 41.55M |
| Total Debt | 75.11M |
| Net Cash | -33.56M |
| Net Cash Per Share | -$5.36 |
| Equity (Book Value) | 123.58M |
| Book Value Per Share | 19.75 |
| Working Capital | -1.17B |
Cash Flow
In the last 12 months, operating cash flow was $5.74 million and capital expenditures -$871,000, giving a free cash flow of $4.87 million.
| Operating Cash Flow | 5.74M |
| Capital Expenditures | -871,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -17.25M |
| Free Cash Flow | 4.87M |
| FCF Per Share | $0.78 |
Margins
| Gross Margin | n/a |
| Operating Margin | -14.00% |
| Pretax Margin | -16.24% |
| Profit Margin | -8.32% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 16.24% |
Dividends & Yields
This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.51%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.51% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 5 |
| Payout Ratio | n/a |
| Buyback Yield | -0.91% |
| Shareholder Yield | 1.60% |
| Earnings Yield | -2.46% |
| FCF Yield | 4.89% |
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 | 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 |