Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -25.70 | — | 39.20 | 767.00 | 10.02 | 6.34 | — | 10.30 | 9.10 | 8.54 | 9.86 | 11.02 | 10.04 |
| — | — | — | +7343.2% | +10.1% | -25.8% | — | -6.5% | -9.3% | +3.5% | +0.8% | +19.4% | -10.5% | |
| P/S Ratio | 1.08 | 1.14 | 0.88 | 1.03 | 0.95 | 1.00 | 0.82 | 0.78 | 0.73 | 0.85 | 0.87 | 0.94 | 1.22 |
| — | +14.7% | +6.8% | +33.1% | +30.3% | +17.7% | -4.9% | -17.3% | -40.3% | -34.8% | -46.5% | -47.2% | -39.6% | |
| P/B Ratio | 0.73 | 0.74 | 0.59 | 0.59 | 0.63 | 0.68 | 0.62 | 0.50 | 0.47 | 0.55 | 0.56 | 0.57 | 0.71 |
| — | +8.7% | -3.9% | +17.3% | +31.7% | +24.7% | +9.4% | -12.5% | -33.0% | -30.5% | -34.6% | -31.8% | -22.2% | |
| P/FCF | 8.20 | 19.13 | 2.36 | — | 3.86 | — | 3.69 | 24.37 | 53.10 | 2.02 | 3.94 | — | 3.39 |
| — | — | -35.9% | — | -92.7% | — | -6.4% | — | +1468.0% | -46.6% | -19.0% | — | -52.9% | |
| EV / EBITDA | — | — | 23.32 | 84.43 | 6.82 | 7.88 | — | 21.45 | 16.52 | 16.11 | 15.05 | 17.22 | 12.31 |
| — | — | — | +293.6% | -58.7% | -51.1% | — | +24.6% | +34.3% | +10.3% | +78.4% | +91.3% | +28.6% | |
| EV / EBIT | — | — | 51.70 | 1224.28 | 8.04 | 8.16 | — | 24.04 | 18.71 | 18.04 | 16.86 | 19.42 | 13.69 |
| — | — | — | +4992.3% | -57.0% | -54.8% | — | +23.8% | +36.7% | +38.7% | +83.0% | +97.4% | +29.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Pathfinder Bancorp, Inc.'s operating margin was -43.5% in Q4 2025, down 46.6 pp QoQ and down 71.1 pp YoY. The trailing four-quarter average of -5.5% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 93.7% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.5% | 3.2% | 45.2% | 45.9% | 58.9% | 51.2% | 18.5% | 50.8% | 50.5% | 51.4% | 54.6% | 53.9% | 64.8% |
| — | -93.7% | +143.9% | -9.8% | +16.6% | -0.4% | -66.0% | -5.7% | -22.0% | -22.2% | -29.0% | -37.3% | -25.5% | |
| Operating Margin | -5.2% | -43.5% | 3.2% | 0.2% | 18.0% | 27.7% | -25.6% | 12.5% | 13.5% | 16.3% | 14.9% | 14.4% | 20.4% |
| — | -257.1% | +112.4% | -98.3% | +33.5% | +69.7% | -271.8% | -13.3% | -33.9% | -30.0% | -46.3% | -54.9% | -32.0% | |
| Net Margin | -4.3% | -35.9% | 2.9% | 0.2% | 14.4% | 18.8% | -20.5% | 10.0% | 10.6% | 13.1% | 11.7% | 11.4% | 15.9% |
| — | -291.2% | +114.4% | -98.2% | +36.3% | +44.0% | -275.3% | -12.1% | -33.4% | -37.5% | -47.3% | -55.7% | -33.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.8% | -5.7% | 0.5% | 0.0% | 2.4% | 3.2% | -3.8% | 1.6% | 1.7% | 2.2% | 1.9% | 1.7% | 2.3% |
| — | -276.9% | +113.2% | -98.5% | +38.3% | +49.1% | -299.1% | -7.3% | -24.8% | -32.8% | -35.4% | -41.9% | -13.4% | |
| ROA | -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% |
| — | -284.1% | +113.3% | -98.5% | +37.9% | +49.3% | -303.5% | -2.7% | -21.6% | -29.9% | -32.4% | -41.7% | -17.9% | |
| ROIC | -1.3% | -2.8% | 0.2% | 0.0% | 1.2% | 1.6% | -1.4% | 0.6% | 0.6% | 0.8% | 0.8% | 0.7% | 1.0% |
| — | -270.2% | +114.0% | -98.0% | +81.4% | +104.0% | -287.8% | -16.5% | -34.0% | -36.3% | -45.7% | -51.1% | -25.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 10762.4% YoY to 26.41x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.89 | 0.89 | 0.83 | 1.16 | 0.74 | 1.12 | 1.23 | 1.69 | 1.41 | 1.76 | 1.28 | 1.45 | 1.21 |
| — | -21.1% | -32.4% | -31.1% | -47.4% | -36.1% | -4.2% | +16.3% | +17.1% | +28.7% | +41.4% | +45.6% | +39.9% | |
| Debt / EBITDA | — | — | 70.31 | 262.36 | 21.22 | 22.92 | — | 74.97 | 56.63 | 59.66 | 47.29 | 58.75 | 36.51 |
| — | — | — | +250.0% | -62.5% | -61.6% | — | +27.6% | +55.1% | +37.2% | +109.6% | +142.5% | +58.5% | |
| Current Ratio | 26.41 | 26.41 | 0.27 | 0.26 | 0.26 | 0.24 | 0.25 | 0.25 | 0.25 | 0.25 | 0.20 | 0.20 | 0.19 |
| — | +10762.4% | +8.1% | +2.5% | +4.1% | -3.6% | +24.6% | +30.6% | +34.5% | +28.4% | -0.8% | -8.6% | -12.0% | |
| Quick Ratio | 26.41 | 26.41 | 0.27 | 0.26 | 0.26 | 0.24 | 0.25 | 0.25 | 0.25 | 0.25 | 0.20 | 0.20 | 0.19 |
| — | +10762.4% | +8.1% | +2.5% | +4.1% | -3.6% | +24.6% | +30.6% | +34.5% | +28.4% | -0.8% | -8.6% | -12.0% | |
| Interest Coverage | -0.13 | -1.09 | 0.08 | 0.00 | 0.46 | 0.63 | -0.61 | 0.26 | 0.29 | 0.35 | 0.36 | 0.36 | 0.66 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Pathfinder Bancorp, Inc.'s current P/E is -25.7x. The average P/E over the last 3 quarters is 272.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pathfinder Bancorp, Inc.'s current operating margin is -5.2%. Margins have been compressing 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.