Pathfinder Bancorp, Inc. (PBHC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 17.70
30Y Low8.4·High55.6
P/FCF
↑
9.57
↓-20% vs avg
5yr avg: 11.97
30Y Low1.1·High47.7
P/B Ratio
↑
0.85
+17% vs avg
5yr avg: 0.73
30Y Low0.5·High3.7
ROE
↓
-2.8%
↑-145% vs avg
5yr avg: 6.3%
30Y Low-3%·High12%
Debt/EBITDA
↑
N/A
—
5yr avg: 13.15
30Y Low3.5·High48.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PBHC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Pathfinder Bancorp, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 9.6x P/FCF, 20% below the 5-year average of 12.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $100M | $90M | $107M | $65M | $87M | $77M | $52M | $62M | $67M | $65M | $57M |
| Enterprise Value | $195M | $185M | $212M | $228M | $205M | $149M | $133M | $153M | $174M | $131M | $108M |
| P/E Ratio → | -30.00 | — | 41.67 | 9.28 | 8.99 | 8.29 | 9.65 | 17.38 | 16.66 | 21.39 | 17.29 |
| P/S Ratio | 1.26 | 1.13 | 1.28 | 0.91 | 1.55 | 1.51 | 1.08 | 1.35 | 1.77 | 1.98 | 2.00 |
| P/B Ratio | 0.85 | 0.74 | 0.88 | 0.54 | 0.78 | 0.69 | 0.53 | 0.68 | 1.04 | 1.04 | 0.97 |
| P/FCF | 9.57 | 8.60 | 37.08 | 4.84 | 5.28 | 4.06 | 1.15 | 13.72 | 20.30 | 13.26 | 11.28 |
| P/OCF | 8.54 | 7.67 | 9.51 | 4.22 | 4.02 | 3.81 | 1.12 | 7.64 | 7.44 | 9.43 | 8.87 |
P/E links to full P/E history page with 30-year chart
PBHC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.34 | 2.53 | 3.18 | 3.63 | 2.93 | 2.75 | 3.33 | 4.61 | 4.04 | 3.82 |
| EV / EBITDA | — | — | 32.57 | 17.38 | 12.48 | 8.38 | 13.64 | 21.80 | 30.27 | 24.24 | 19.81 |
| EV / EBIT | — | — | 41.00 | 19.35 | 13.04 | 9.33 | 15.89 | 28.03 | 38.23 | 30.26 | 24.51 |
| EV / FCF | — | 17.79 | 73.57 | 16.94 | 12.38 | 7.89 | 2.93 | 33.77 | 52.92 | 27.01 | 21.58 |
PBHC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Pathfinder Bancorp, Inc. earns an operating margin of -5.2%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 16.4% to -5.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -2.8% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.5% | 38.5% | 42.1% | 55.9% | 77.9% | 83.2% | 67.7% | 66.2% | 72.1% | 75.3% | 83.2% |
| Operating Margin | -5.2% | -5.2% | 6.2% | 16.4% | 27.8% | 31.4% | 17.3% | 11.9% | 12.1% | 13.3% | 15.6% |
| Net Profit Margin | -4.3% | -4.3% | 4.1% | 12.9% | 22.9% | 24.3% | 14.4% | 9.3% | 10.7% | 10.7% | 11.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.8% | -2.8% | 2.8% | 8.0% | 11.6% | 11.9% | 7.4% | 5.5% | 6.4% | 5.8% | 5.0% |
| ROA | -0.2% | -0.2% | 0.2% | 0.6% | 1.0% | 1.0% | 0.6% | 0.4% | 0.4% | 0.4% | 0.5% |
| ROIC | -1.3% | -1.3% | 1.3% | 3.0% | 4.9% | 5.4% | 3.0% | 2.0% | 2.0% | 2.3% | 2.5% |
| ROCE | -0.5% | -0.5% | 2.4% | 5.5% | 7.3% | 7.2% | 4.0% | 3.1% | 3.1% | 3.9% | 4.3% |
PBHC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $96M ($107M total debt minus $12M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.89 | 0.89 | 1.12 | 1.76 | 1.37 | 0.99 | 1.27 | 1.22 | 2.07 | 1.43 | 1.27 |
| Debt / EBITDA | — | — | 21.01 | 16.12 | 9.31 | 6.15 | 12.76 | 15.82 | 23.23 | 16.40 | 13.56 |
| Net Debt / Equity | — | 0.79 | 0.86 | 1.35 | 1.05 | 0.66 | 0.82 | 1.00 | 1.66 | 1.08 | 0.88 |
| Net Debt / EBITDA | — | — | 16.15 | 12.41 | 7.16 | 4.07 | 8.28 | 12.95 | 18.66 | 12.34 | 9.45 |
| Debt / FCF | — | 9.19 | 36.49 | 12.10 | 7.10 | 3.83 | 1.78 | 20.06 | 32.62 | 13.76 | 10.29 |
| Interest Coverage | -0.13 | -0.13 | 0.14 | 0.41 | 1.62 | 2.13 | 0.77 | 0.40 | 0.50 | 0.69 | 1.16 |
PBHC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Pathfinder Bancorp, Inc.'s current ratio of 26.41x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.25x to 26.41x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 26.41 | 26.41 | 0.24 | 0.25 | 0.20 | 0.22 | 0.18 | 0.15 | 0.27 | 0.26 | 0.26 |
| Quick Ratio | 26.41 | 26.41 | 0.24 | 0.25 | 0.20 | 0.22 | 0.18 | 0.15 | 0.27 | 0.26 | 0.26 |
| Cash Ratio | 0.26 | 0.26 | 0.02 | 0.04 | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.03 | 0.03 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PBHC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Pathfinder Bancorp, Inc. returns 2.4% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 70.3% | 23.5% | 15.8% | 11.5% | 16.4% | 25.5% | 25.4% | 25.3% | 26.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 2.4% | 10.8% | 11.1% | 12.1% | 10.4% | 5.8% | 6.0% | 4.7% | 5.8% |
| FCF Yield | 10.4% | 11.6% | 2.7% | 20.7% | 18.9% | 24.6% | 87.1% | 7.3% | 4.9% | 7.5% | 8.9% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $6M | $6M | $5M | $5M | $4M | $5M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare PBHC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PBHCYou | $100M | -30.0 | — | 9.6 | 38.5% | -5.2% | -2.8% | -1.3% | — |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 BWFG | $449M | 12.6 | 7.7 | 17.2 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 TRST | $935M | 16.3 | 12.0 | 20.5 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 FISI | $746M | 10.5 | 10.6 | 54.8 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 CHMG | $344M | 22.8 | 14.4 | 7.8 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 GLBZ | $13M | -116.3 | — | — | 67.4% | -4.0% | -0.6% | -1.0% | — |
 NFBK | $601M | 726.3 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 KRNY | $541M | 20.5 | 45.4 | 25.3 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
PBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
What is Pathfinder Bancorp, Inc.'s P/E ratio?
Pathfinder Bancorp, Inc.'s current P/E ratio is -30.0x. The historical average is 22.9x.
What is Pathfinder Bancorp, Inc.'s ROE?
Pathfinder Bancorp, Inc.'s return on equity (ROE) is -2.8%. The historical average is 5.7%.
Is PBHC stock overvalued?
Based on historical data, Pathfinder Bancorp, Inc. is trading at a P/E of -30.0x. Compare with industry peers and growth rates for a complete picture.
What is Pathfinder Bancorp, Inc.'s dividend yield?
Pathfinder Bancorp, Inc.'s current dividend yield is 2.39%.
What are Pathfinder Bancorp, Inc.'s profit margins?
Pathfinder Bancorp, Inc. has 38.5% gross margin and -5.2% operating margin.