Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 811.16 | 13.19 | 9.45 | 8.39 | — | 39.20 | 767.00 | 10.02 | 6.34 | — | 10.30 | 9.10 | 8.54 | 9.86 | 11.02 | 10.04 | 8.25 | 9.78 | 9.23 | 11.21 | 6.71 |
| — | -66.4% | -98.8% | -16.3% | — | — | +7343.2% | +10.1% | -25.8% | — | -6.5% | -9.3% | +3.5% | +0.8% | +19.4% | -10.5% | +23.0% | +35.2% | +15.6% | +10.2% | -22.9% | |
| P/S Ratio | 2.18 | 1.72 | 1.66 | 1.71 | 1.89 | 1.43 | 1.96 | 1.55 | 1.78 | 1.42 | 1.48 | 1.34 | 1.60 | 1.47 | 1.55 | 1.76 | 1.68 | 1.98 | 2.06 | 2.29 | 1.77 |
| — | +20.8% | -15.4% | +10.6% | +6.5% | +0.7% | +32.3% | +15.3% | +11.1% | -3.5% | -4.4% | -23.8% | -4.6% | -25.9% | -24.5% | -23.2% | -5.3% | +21.1% | +32.2% | +41.0% | +28.2% | |
| P/B Ratio | 0.88 | 0.70 | 0.62 | 0.65 | 0.74 | 0.59 | 0.59 | 0.63 | 0.68 | 0.62 | 0.50 | 0.47 | 0.55 | 0.56 | 0.57 | 0.71 | 0.79 | 0.86 | 0.84 | 0.91 | 0.70 |
| — | +18.8% | +5.9% | +3.5% | +8.7% | -3.9% | +17.3% | +31.7% | +24.7% | +9.4% | -12.5% | -33.0% | -30.5% | -34.6% | -31.8% | -22.2% | +12.2% | +26.3% | +21.8% | +40.3% | +31.7% | |
| P/FCF | 10.31 | — | 7.03 | — | 9.35 | 2.36 | — | 3.86 | — | 3.69 | 24.37 | 53.10 | 2.02 | 3.94 | — | 3.39 | 3.78 | 4.86 | 9.12 | 7.19 | 4.50 |
| — | — | — | — | — | -35.9% | — | -92.7% | — | -6.4% | — | +1468.0% | -46.6% | -19.0% | — | -52.9% | -16.0% | +85.2% | +138.2% | +35.4% | -45.2% | |
| EV / EBITDA | 331.07 | 53.43 | 15.97 | 9.85 | — | 23.32 | 84.43 | 6.82 | 7.88 | — | 21.45 | 16.52 | 16.11 | 15.05 | 17.22 | 12.31 | 14.60 | 8.44 | 9.00 | 9.57 | 6.93 |
| — | +129.2% | -81.1% | +44.4% | — | — | +293.6% | -58.7% | -51.1% | — | +24.6% | +34.3% | +10.3% | +78.4% | +91.3% | +28.6% | +110.8% | +70.3% | +7.2% | -13.6% | -49.9% | |
| EV / EBIT | — | 26.66 | 5.74 | 11.99 | — | 51.70 | 1224.28 | 8.04 | 8.16 | — | 24.04 | 18.71 | 18.04 | 16.86 | 19.42 | 13.69 | 13.01 | 9.21 | 9.84 | 10.57 | 7.53 |
| — | -48.4% | -99.5% | +49.1% | — | — | +4992.3% | -57.0% | -54.8% | — | +23.8% | +36.7% | +38.7% | +83.0% | +97.4% | +29.5% | +72.7% | +68.3% | +4.6% | -18.2% | -55.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.1% | 98.1% | 101.3% | 101.4% | 5.3% | 73.3% | 87.1% | 96.4% | 91.5% | 31.9% | 97.2% | 93.4% | 97.4% | 92.4% | 89.2% | 93.9% | 85.6% | 93.9% | 99.5% | 99.1% | 109.5% |
| — | +33.8% | +16.3% | +5.3% | -94.2% | +130.0% | -10.4% | +3.1% | -6.1% | -65.5% | +9.0% | -0.5% | +13.8% | -1.6% | -10.3% | -5.2% | -21.8% | -5.2% | +8.2% | +10.4% | +19.9% | |
| Operating Margin | -8.7% | 20.8% | 27.7% | 25.2% | -72.1% | 5.1% | 0.4% | 29.5% | 49.4% | -44.0% | 23.8% | 25.0% | 30.9% | 25.2% | 23.8% | 29.6% | 30.2% | 33.8% | 36.9% | 34.2% | 45.6% |
| — | +306.3% | +6666.5% | -14.5% | -245.8% | +111.7% | -98.3% | +18.1% | +60.1% | -274.5% | +0.3% | -15.7% | +2.3% | -25.5% | -35.6% | -13.5% | -33.8% | -14.7% | +9.1% | +24.7% | +117.6% | |
| Net Margin | -7.3% | 17.1% | 22.7% | 20.7% | -59.6% | 4.8% | 0.3% | 23.6% | 33.6% | -35.3% | 19.1% | 19.6% | 24.7% | 19.8% | 18.8% | 23.0% | 27.0% | 27.2% | 29.7% | 27.1% | 35.5% |
| — | +257.7% | +6702.7% | -12.3% | -277.5% | +113.5% | -98.3% | +20.6% | +35.9% | -278.0% | +1.7% | -15.0% | -8.5% | -27.0% | -36.6% | -15.3% | -23.8% | -10.4% | +13.0% | +26.0% | +71.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.8% | 1.7% | 2.1% | 2.0% | -5.7% | 0.5% | 0.0% | 2.4% | 3.2% | -3.8% | 1.6% | 1.7% | 2.2% | 1.9% | 1.7% | 2.3% | 3.2% | 2.9% | 3.0% | 2.7% | 3.6% |
| — | +239.0% | +8495.2% | -18.3% | -276.9% | +113.2% | -98.5% | +38.3% | +49.1% | -299.1% | -7.3% | -24.8% | -32.8% | -35.4% | -41.9% | -13.4% | -9.9% | -8.0% | +1.8% | +23.2% | +76.7% | |
| ROA | -0.2% | 0.1% | 0.2% | 0.2% | -0.5% | 0.0% | 0.0% | 0.2% | 0.3% | -0.3% | 0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +229.5% | +8619.0% | -15.4% | -284.1% | +113.3% | -98.5% | +37.9% | +49.3% | -303.5% | -2.7% | -21.6% | -29.9% | -32.4% | -41.7% | -17.9% | -17.1% | -13.7% | +3.7% | +32.8% | +90.2% | |
| ROIC | -1.3% | 0.6% | 1.0% | 1.0% | -2.8% | 0.2% | 0.0% | 1.2% | 1.6% | -1.4% | 0.6% | 0.6% | 0.8% | 0.8% | 0.7% | 1.0% | 1.3% | 1.4% | 1.5% | 1.3% | 1.8% |
| — | +198.7% | +8151.3% | -11.8% | -270.2% | +114.0% | -98.0% | +81.4% | +104.0% | -287.8% | -16.5% | -34.0% | -36.3% | -45.7% | -51.1% | -25.5% | -28.3% | -9.3% | +12.0% | +43.9% | +146.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.89 | 1.71 | 1.44 | 0.61 | 0.89 | 0.83 | 1.16 | 0.74 | 1.12 | 1.23 | 1.69 | 1.41 | 1.76 | 1.28 | 1.45 | 1.21 | 1.37 | 0.91 | 1.00 | 0.86 | 0.99 |
| — | +106.2% | +23.9% | -18.4% | -21.1% | -32.4% | -31.1% | -47.4% | -36.1% | -4.2% | +16.3% | +17.1% | +28.7% | +41.4% | +45.6% | +39.9% | +37.9% | -2.4% | -10.8% | -32.6% | -21.8% | |
| Debt / EBITDA | — | 161.28 | 46.67 | 20.97 | — | 70.31 | 262.36 | 21.22 | 22.92 | — | 74.97 | 56.63 | 59.66 | 47.29 | 58.75 | 36.51 | 43.47 | 22.56 | 24.22 | 23.04 | 20.25 |
| — | +129.4% | -82.2% | -1.2% | — | — | +250.0% | -62.5% | -61.6% | — | +27.6% | +55.1% | +37.2% | +109.6% | +142.5% | +58.5% | +114.7% | +10.9% | -9.1% | -42.7% | -60.9% | |
| Current Ratio | 26.41 | 8.23 | 0.14 | 1.31 | 26.41 | 0.27 | 0.26 | 0.26 | 0.24 | 0.25 | 0.25 | 0.25 | 0.25 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 | 0.21 | 0.21 | 0.22 |
| — | +2945.1% | -45.2% | +394.0% | +10762.4% | +8.1% | +2.5% | +4.1% | -3.6% | +24.6% | +30.6% | +34.5% | +28.4% | -0.8% | -8.6% | -12.0% | -9.7% | -17.1% | +8.6% | +6.9% | +23.4% | |
| Quick Ratio | 26.41 | 8.23 | 0.14 | 1.31 | 26.41 | 0.27 | 0.26 | 0.26 | 0.24 | 0.25 | 0.25 | 0.25 | 0.25 | 0.20 | 0.20 | 0.19 | 0.20 | 0.20 | 0.21 | 0.21 | 0.22 |
| — | +2945.1% | -45.2% | +394.0% | +10762.4% | +8.1% | +2.5% | +4.1% | -3.6% | +24.6% | +30.6% | +34.5% | +28.4% | -0.8% | -8.6% | -12.0% | -9.7% | -17.1% | +8.6% | +6.9% | +23.4% | |
| Interest Coverage | -0.13 | 0.32 | 1.43 | 0.41 | -1.09 | 0.08 | 0.00 | 0.46 | 0.63 | -0.61 | 0.26 | 0.29 | 0.35 | 0.36 | 0.36 | 0.66 | 1.02 | 1.52 | 2.35 | 2.45 | 3.42 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PBHC stock.
Pathfinder Bancorp, Inc.'s current P/E is 811.2x. The average P/E over the last 3 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pathfinder Bancorp, Inc.'s current operating margin is -8.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pathfinder Bancorp, Inc.'s business trajectory between earnings reports.