NASDAQ : PBHC
Pathfinder Bancorp, Inc. — Key statistics
Financials · Banks - Regional · United States
Last price 17.19 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 107.93M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 106.74M |
| Enterprise Value | 268.09M |
Dates
| Measure | Value |
|---|
| Earnings Date | Nov 2, 2026 |
| Ex-Dividend Date | Oct 16, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | 4.90M |
| Shares Outstanding | 6.28M |
| Shares Change (YoY) | +1.62% |
| Shares Change (QoQ) | -0.91% |
| Owned by Insiders (%) | 14.37% |
| Owned by Institutions (%) | 23.20% |
| Float | 3.59M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 65.73 |
| Forward PE | n/a |
| PS Ratio | 2.96 |
| Forward PS | n/a |
| PB Ratio | 0.90 |
| P/TBV Ratio | 0.98 |
| P/FCF Ratio | 9.69 |
| P/OCF Ratio | 9.03 |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 165.08 |
| EV / Sales | 7.44 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 24.35 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.71 |
| Debt / EBITDA | n/a |
| Debt / FCF | 18.44 |
| Interest Coverage | n/a |
Financialefficiency
| Measure | Value |
|---|
| 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) | 1.69% |
| Revenue Per Employee | $198,110 |
| Profits Per Employee | $8,923 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | -1.39M |
| Effective Tax Rate | n/a |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.12 |
| 52-Week Price Change | +13.18% |
| 50-Day Moving Average | 16.77 |
| 200-Day Moving Average | 15.01 |
| Relative Strength Index (RSI) | 51.24 |
| Average Volume (20 Days) | 1,284 |
Shortselling
| Measure | Value |
|---|
| 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 |
Incomestatement
| Measure | Value |
|---|
| 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 |
Balancesheet
| Measure | Value |
|---|
| 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 |
Cashflow
| Measure | Value |
|---|
| 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
| Measure | Value |
|---|
| 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
| Measure | Value |
|---|
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.33% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 5 |
| Payout Ratio | 1,465.31% |
| FCF Payout Ratio | 22.81% |
| Buyback Yield | -1.62% |
| Shareholder Yield | 0.74% |
| Earnings Yield | 1.52% |
| FCF Yield | 10.32% |
Analystforecasts
| Measure | Value |
|---|
| 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 |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | Oct 17, 2014 |
| Split Type | Forward |
| Split Ratio | 1.6472:1 |
Scores
| Measure | Value |
|---|
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |