Pathfinder Bancorp, Inc.
Data quality: 83%
PBHC
NASDAQ
Financial Services
Depository Institutions
$13.72
$0.00
(0.00%)
Mkt Cap: 84.53 M
6 months return
—
Momentum
Neutral
1Y earnings growth
-157.14%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
Earnings declined -157.14% over the past year
Debt/Equity of 0.45 — conservative balance sheet
Generating 10.42 M in free cash flow
Dividend yield of 2.96% — meaningful income
20 consecutive years of dividends — reliable payer
Dividends growing 10.76% annually over 5 years
Price History
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 (9.21%)
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 (11.13)
P/B Ratio0.67
EV/EBITDAN/A
Dividend Yield2.96%
Financial Trends
Peer Comparison
vs Financial Services sector median (6628 peers)
Compared with similar companies in Financial Services
Peer Comparison
vs Financial Services sector median (6628 peers) Compared with similar companies in Financial Services| 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
Consensus from analysts covering this stock: typical price target vs today’s price, and how analysts rate it.
No analyst coverage available
Earnings Estimates
Analyst forecasts for EPS and revenue by period. Annual = fiscal years; quarterly = near-term quarters. Figures are consensus (average of analyst estimates).
No forward estimates available
No quarterly estimates available
Earnings Surprises
Last 1 quarter
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| Q12014 | — | $0.12 | — |
ETFs Holding This Stock
BOSVX
BOSVX
0.02% weight
Dividend History
Yield
2.96%
Payout ratio
N/A
Growth (3Y)
5.57%
Growth (5Y)
10.76%
Recent per-share payments (most recent first).
| Ex-dividend | Payment | Amount / share |
|---|---|---|
| Jan 16, 2026 | — | $0.10 |
| Oct 17, 2025 | — | $0.10 |
| Jul 18, 2025 | — | $0.10 |
| Apr 17, 2025 | — | $0.10 |
| Jan 17, 2025 | — | $0.10 |
| Oct 18, 2024 | — | $0.10 |
| Jul 19, 2024 | — | $0.10 |
| Apr 18, 2024 | — | $0.10 |
| Jan 11, 2024 | — | $0.09 |
| Oct 19, 2023 | — | $0.09 |
| Jul 20, 2023 | — | $0.09 |
| Apr 21, 2023 | — | $0.09 |
All Fundamental Metrics
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 | 2.96% | Payout Ratio | N/A |
| Dividend Growth (3Y) | 5.57% | Dividend Growth (5Y) | 10.76% |
| Consecutive Div Years | 20 yrs | ||
| 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
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
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 | — | — | — | — | — |
Strategy Scores
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
#107 of 172
Recent Activity
Entered
Deep Value Investing (Seth Klarman)
Apr 12, 2026
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