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Pathfinder Bancorp

(NASDAQ) PBHC

Current Price$13.56
Market Cap$81.38M
Since IPO (1995)+613%
5 Year-1%
1 Year-19%
1 Month-1%

Pathfinder Bancorp Financials at a Glance

Market Cap

$81.38M

Revenue (TTM)

$79.15M

Net Income (TTM)

$3.42M

EPS (TTM)

$-0.95

P/E Ratio

-13.83

Dividend

$0.40

Beta (Volatility)

0.12 (Low)

Price

$13.56

Volume

805

Open

$13.56

Previous Close

$13.56

Daily Range

$13.56 - $13.56

52-Week Range

$12.06 - $17.00

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About Pathfinder Bancorp

Industry

Banks

Employees

186

CEO

James A. Dowd, CPA

Headquarters

Oswego, NY 13126, US

PBHC Financials

Key Financial Metrics (TTM)

Gross Margin

39%

Operating Margin

-5%

Net Income Margin

-4%

Return on Equity

-4%

Return on Capital

-0%

Return on Assets

-0%

Earnings Yield

-7.23%

Dividend Yield

0.03%

Payout Ratio

-41.82%

Stock Overview

Market Cap

$81.38M

Shares Outstanding

6.17M

Volume

805

Short Interest

0.00%

Avg. Volume

2.36K

Financials (TTM)

Gross Profit

$30.49M

Operating Income

$4.09M

EBITDA

$1.94M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$288.34M

Total Debt

$107.23M

Pathfinder Bancorp Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$19.61M

-5.7%

Gross Profit

$629.00K

-94.1%

Gross Margin

3.21%

N/A

Market Cap

$81.38M

N/A

Market Cap/Employee

$473.14K

N/A

Employees

172

N/A

Net Income

$7.05M

-280.4%

EBITDA

$8.36M

-240.5%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$181.11M

+10.2%

Accounts Receivable

$873.56M

+12595.3%

Inventory

$0.00

N/A

Long Term Debt

$63.23M

-16.3%

Short Term Debt

$44.00M

-27.9%

Return on Assets

-0.24%

N/A

Return on Invested Capital

-0.30%

N/A

Free Cash Flow

$0.00

+100.0%

Operating Cash Flow

$0.00

+100.0%

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Questions About PBHC

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