PBHCNasdaqState Commercial BanksFiscal year ends December 31
Pathfinder Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$17.24+0.54 (+3.23%)
Close on Oct 19, 2026
- Market cap
- –
- P/E (TTM)
- –
- Dividend yield
- 2.32%
Pathfinder Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Market Cap | $108.24M | $679.86M |
| Enterprise Value | $215.57M | $408.94M |
| PS Ratio | 2.25 | 3.59 |
| PB Ratio | 0.86 | 1.18 |
| P/TBV Ratio | 0.94 | 1.41 |
| P/FCF Ratio | 9.83 | 10.89 |
| P/OCF Ratio | 9.16 | 10.01 |
Enterprise value
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| EV / Sales | 4.48 | 2.76 |
| EV / FCF | 19.58 | 8.23 |
Income (trailing twelve months)
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Revenue | $48.15M | $170.85M |
| Pretax Income | -$1.65M | $70.12M |
| Net Income | $143.00K | $54.33M |
Margins
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Pretax Margin | -3.43% | 36.5% |
| Profit Margin | 0.30% | 29.1% |
| FCF Margin | 22.9% | 33.2% |
Returns
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 0.11% | 10.6% |
| Return on Assets (ROA) | 0.01% | 1.12% |
Growth
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -4.88% | 11.8% |
| Net Income Growth (YoY) | -93.7% | 23.2% |
| FCF Growth (YoY) | 17.9% | 28.5% |
| Revenue Growth (3Y CAGR) | -0.34% | 5.82% |
| Revenue Growth (5Y CAGR) | 4.20% | 6.17% |
Balance sheet
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $26.05M | $205.54M |
| Total Debt | $133.37M | $177.19M |
| Net Cash (Debt) | -$107.32M | $164.40M |
| Net Cash Per Share | -$17.09 | $8.13 |
| Equity (Book Value) | $125.74M | $563.88M |
| Book Value Per Share | $20.03 | $28.47 |
| Tangible Book Value | $115.64M | $475.36M |
Financial position
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Debt / Equity | 1.06 | 0.20 |
| Debt / FCF | 12.11 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $11.82M | $61.52M |
| Capital Expenditures | -$812.00K | -$4.08M |
| Free Cash Flow | $11.01M | $52.15M |
| FCF Per Share | $1.75 | $3.05 |
Efficiency
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $257.50K | $353.78K |
| Profits Per Employee | $765 | $107.28K |
| Employee Count | 187 | 489 |
Dividends and yields
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 0.13% | 8.13% |
| FCF Yield | 10.2% | 8.91% |
| Dividend Yield | 2.32% | 2.48% |
| Shareholder Yield | 2.32% | 3.13% |
| Dividend Per Share | $0.40 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 1346.9% | 29.3% |
| FCF Payout Ratio | 17.5% | 26.0% |
Shares
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 6,278,640 | 18,839,100 |
| Float | 5,497,300 | 17,061,900 |
| Shares Held by Insiders | 12.4% | 5.89% |
| Shares Held by Institutions | 18.3% | 61.9% |
Taxes
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Income Tax | -$1.80M | $14.50M |
Scores
| Measure | Pathfinder Bancorp | Industry median |
|---|---|---|
| Altman Z-Score | 0.15 | 0.21 |
Calculated by StockData from Pathfinder Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.