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Pathfinder Bancorp, Inc. PBHC

Nasdaq · stock · State Commercial Banks · website · IPO 1954-11-05 · LEI

Pathfinder Bancorp, Inc. statistics & valuation

Market cap$102.6M
P / B0.8×
P / FCF9.8×
Dividend yield1.86%
Return on equity-1.6%
Net debt$14.1M
Enterprise value USD$116.7M

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.60% 5.60% 6.30% 4.70% 7.10% 11.20% 11.60% 7.70% 2.80% -1.60% 2016201720182019202020212022202320242025
Shares outstanding
4.2M 4.3M 4.4M 4.7M 4.6M 6.0M 4.7M 4.7M 4.7M 4.7M 2016201720182019202020212022202320242025
Net debt ($)
-$5.4M $21.3M $79.5M $68.0M $78.0M $64.6M $55.7M $49.9M $27.1M $14.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.40% 0.40% 0.40% 0.40% 0.60% 1.00% 0.90% 0.60% 0.20% -0.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.29× 0.70× 1.23× 0.75× 0.80× 0.58× 0.50× 0.42× 0.22× 0.11× 2016201720182019202020212022202320242025
EPS ($)
$0.78 $0.83 $0.94 $0.80 $1.17 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Pathfinder Bancorp, Inc. trades at about 13.9× earnings — below its 10-year norm (10-year range 10.3×–18.8×, median 17.5×).

10.3× 18.8×

Shaded band = 10-year range (10.3×–18.8×); dot = today's 13.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets-0.1%0.2%0.6%0.9%1.0%0.6%0.4%0.4%0.4%0.4%
Return on equity-1.6%2.8%7.7%11.6%11.2%7.1%4.7%6.3%5.6%5.6%
Debt / equity0.11×0.22×0.42×0.50×0.58×0.80×0.75×1.23×0.70×0.29×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.