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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| PBHC | -10.66% | +67.31% | +10.83% | +707% |
| S&P | +19.89% | +109.18% | +15.89% | +1,040% |
Pathfinder Bancorp, Inc. is a holding company, which engages in the investment in Pathfinder Bank. It offers checking and savings accounts, loans, and digital banking services for retail and business customers through its subsidiary. The firm also provides overdraft protection and mobile payments for individual clients and cash management sweep accounts, remote deposit capture, and merchant card services for business clients. The company was founded on December 31, 1997 and is headquartered in Oswego, NY.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $21.24M | -7.4% |
| Market Cap | $96.69M | 0.1% |
| Market Cap / Employee | $0.52M | 0.0% |
| Employees | 186 | 6.9% |
| Net Income | $0.63M | -17.2% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $66.77M | -24.3% |
| Short Term Debt | $38.00M | -37.1% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.19% | 0.0% |
| Return On Invested Capital | 2.35% | -0.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$0.88M | -223.8% |
| Operating Free Cash Flow | -$0.66M | -141.3% |
| Metric | Q2 2025 | Q3 2025 | YoY Change | ||
|---|---|---|---|---|---|
| Price to Earnings | 164.42 | 87.42 | - | ||
| Price to Book | 0.89 | 0.83 | 0.75 | 0.78 | -3.21% |
| Price to Sales | 1.26 | 1.18 | 1.10 | 1.15 | -0.58% |
| Price to Tangible Book Value | 0.99 | 0.91 | 0.83 | 0.85 | -4.63% |
| Price to Free Cash Flow TTM | 5.38 | 16.16 | 8.92 | 9.73 | 31.93% |
| Free Cash Flow Yield | 18.6% | 6.2% | 11.2% | 10.3% | -24.20% |
| Return on Equity | 2.4% | 2.3% | 2.3% | 2.3% | 8.60% |
| Total Debt | $136.51M | $93.00M | $144.56M | $104.77M | -29.49% |
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