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Pathfinder (PBHC)
:PBHC
US Market

Pathfinder Bancorp (PBHC) Stock Statistics & Valuation Metrics

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Total Valuation

Pathfinder Bancorp has a market cap or net worth of $92.18M. The enterprise value is $214.61M.
Market Cap$92.18M
Enterprise Value$214.61M

Share Statistics

Pathfinder Bancorp has 4,761,182 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,761,182
Owned by Insiders10.93%
Owned by Institutions0.64%

Financial Efficiency

Pathfinder Bancorp’s return on equity (ROE) is 0.00 and return on invested capital (ROIC) is ―.
Return on Equity (ROE)0.00
Return on Assets (ROA)0.00
Return on Invested Capital (ROIC)
Return on Capital Employed (ROCE)0.00
Revenue Per Employee278.46K
Profits Per Employee19.67K
Employee Count172
Asset Turnover0.03
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Pathfinder Bancorp is 0.00. Pathfinder Bancorp’s PEG ratio is 0.15.
PE Ratio0.00
PS Ratio0.00
PB Ratio0.75
Price to Fair Value0.88
Price to FCF31.38
Price to Operating Cash Flow8.13
PEG Ratio0.15

Income Statement

In the last 12 months, Pathfinder Bancorp had revenue of 47.90M and earned 0.00 in profits. Earnings per share was -0.76.
Revenue47.90M
Gross Profit47.90M
Operating Income0.00
Pretax Income0.00
Net Income0.00
EBITDA0.00
Earnings Per Share (EPS)-0.76

Cash Flow

In the last 12 months, operating cash flow was 11.27M and capital expenditures -8.33M, giving a free cash flow of 2.93M billion.
Operating Cash Flow11.27M
Free Cash Flow2.93M
Free Cash Flow per Share0.62

Dividends & Yields

Pathfinder Bancorp pays an annual dividend of $0.4, resulting in a dividend yield of 2.66%
Dividend Per Share$0.4
Dividend Yield2.66%
Payout Ratio83.33%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.04
52-Week Price Change26.05%
50-Day Moving Average15.71
200-Day Moving Average16.30
Relative Strength Index (RSI)48.24
Average Volume (3m)4.07K

Important Dates

Pathfinder Bancorp upcoming earnings date is Aug 4, 2025, TBA Not Confirmed.
Last Earnings DateApr 30, 2025
Next Earnings DateAug 4, 2025
Ex-Dividend DateApr 17, 2025

Financial Position

Pathfinder Bancorp as a current ratio of 19.37, with Debt / Equity ratio of 112.37%
Current Ratio19.37
Quick Ratio19.37
Debt to Market Cap0.88
Net Debt to EBITDA0.00
Interest Coverage Ratio0.00

Taxes

In the past 12 months, Pathfinder Bancorp has paid 0.00 in taxes.
Income Tax0.00
Effective Tax Rate0.00

Enterprise Valuation

Pathfinder Bancorp EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 79.69.
EV to Sales4.79
EV to EBITDA0.00
EV to Free Cash Flow79.69
EV to Operating Cash Flow20.45

Balance Sheet

Pathfinder Bancorp has $283.29M in cash and marketable securities with $136.51M in debt, giving a net cash position of -$146.78M billion.
Cash & Marketable Securities$283.29M
Total Debt$136.51M
Net Cash-$146.78M
Net Cash Per Share-$30.83
Tangible Book Value Per Share$18.12

Margins

Gross margin is 100.00%, with operating margin of 0.00%, and net profit margin of 0.00%.
Gross Margin100.00%
Operating Margin0.00%
Pretax Margin0.00%
Net Profit Margin0.00%
EBITDA Margin0.00%
EBIT Margin0.00%

Analyst Forecast

The average price target for Pathfinder Bancorp is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast11.12%
EPS Growth Forecast

Scores

Smart Score3
AI Score54
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