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Pathfinder Bancorp, Inc.

Data quality: 83%
PBHC
NASDAQ Financial Services Depository Institutions
$13.72
▲ $0.21 (1.55%)
Mkt Cap: 84.53 M
Price
$13.51
Mkt Cap
84.53 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Earnings declined -157.14% over the past year
Debt/Equity of 0.45 — conservative balance sheet
Generating 10.42 M in free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-157.14%
FCF Growth (3Y)-12.05%

Quality

Return on Equity
-1.54%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.45
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
-43.73
Below sector avg (11.14)
P/B Ratio0.67
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E -43.7 11.1
P/B 0.7 1.2
ROE % -1.5 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.5 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 1 quarter
Quarter Est. EPS Actual EPS Surprise
Q12014 N/A $0.12 —

ETFs Holding This Stock

BOSVX BOSVX
0.02% weight

Dividend History

Ex-Date Payment Date Amount Yield
Jan 16, 2026 — $0.10 N/A
Oct 17, 2025 — $0.10 N/A
Jul 18, 2025 — $0.10 N/A
Apr 17, 2025 — $0.10 N/A
Jan 17, 2025 — $0.10 N/A
Oct 18, 2024 — $0.10 N/A
Jul 19, 2024 — $0.10 N/A
Apr 18, 2024 — $0.10 N/A
Jan 11, 2024 — $0.09 N/A
Oct 19, 2023 — $0.09 N/A
Jul 20, 2023 — $0.09 N/A
Apr 21, 2023 — $0.09 N/A
Jan 13, 2023 — $0.09 N/A
Oct 13, 2022 — $0.09 N/A
Jul 14, 2022 — $0.09 N/A
Apr 21, 2022 — $0.09 N/A
Jan 13, 2022 — $0.07 N/A
Oct 14, 2021 — $0.07 N/A
Jul 15, 2021 — $0.07 N/A
Apr 14, 2021 — $0.07 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -157.14% Earnings Growth (3Y) N/A
Revenue Growth (5Y) N/A Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) N/A Net Income (TTM) -1.93 M
ROE -1.54% ROA -0.13%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 10.42 M
ROIC N/A FCF Growth (3Y) -12.05%
Safety
Debt / Equity 0.45 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 115.77 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -43.73 Forward P/E N/A
P/B Ratio 0.67 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 12.32%
Market Cap 84.53 M Enterprise Value 141.23 M
Per Share
EPS (Diluted TTM) N/A Revenue / Share N/A
FCF / Share 1.67 OCF / Share 1.87
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion -538.90%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income -1.93 M 3.38 M 9.29 M 12.93 M 12.41 M
EPS (Diluted) — — — — —
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 44.34 M 40.99 M 28.74 M 9.70 M 7.53 M
Income Tax -2.16 M 332,000.0 2.36 M 2.66 M 3.50 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.43 B 1.47 B 1.47 B 1.40 B 1.29 B
Total Liabilities 1.30 B 1.35 B 1.35 B 1.29 B 1.17 B
Shareholders' Equity 122.45 M 121.48 M 119.50 M 111.00 M 110.29 M
Total Debt 58.07 M 88.07 M 175.60 M 116.00 M 77.10 M
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —