Pathfinder Bancorp, Inc. (PBHC) P/E Ratio History
Historical price-to-earnings valuation from 1998 to 2025
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PBHC Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Pathfinder Bancorp, Inc. (PBHC) trades at a price-to-earnings ratio of -25.7x, with a stock price of $13.88 and trailing twelve-month earnings per share of $-0.54.
The current P/E is 272% below its 5-year average of 14.9x. Over the past five years, PBHC's P/E has ranged from a low of 7.6x to a high of 49.5x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, PBHC trades at a 296% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, PBHC trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PBHC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PBHC P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $203M | 14.4 | 2.85 | +9% | |
| $339M | 7.5Lowest | 0.22Best | -8% | |
| $415M | 11.7 | 0.27 | +262%Best | |
| $2B | 13.5 | 1.92 | +13% | |
| $858M | 14.9 | 4.11 | +26% | |
| $697M | 9.8 | 1.04 | +231% | |
| $331M | 22.0 | - | -37% | |
| $588M | 19.5 | - | -16% | |
| $508M | 19.2 | - | +130% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
PBHC Historical P/E Data (1998–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $15.68 | $1.21 | 13.0x | -51% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $15.34 | $0.35 | 43.2x | +62% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $16.44 | $0.67 | 24.5x | -8% |
| FY2024 Q4 | $17.50 | $0.60 | 29.2x | +9% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $15.83 | $0.32 | 49.5x | +85% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $13.19 | $1.42 | 9.3x | -65% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $12.38 | $1.42 | 8.7x | -67% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $14.01 | $1.51 | 9.3x | -65% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $13.80 | $1.68 | 8.2x | -69% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $14.10 | $1.85 | 7.6x | -71% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $17.27 | $2.07 | 8.3x | -69% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $19.14 | $2.13 | 9.0x | -66% |
Average P/E for displayed period: 26.7x
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Start ComparisonPBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
Is PBHC stock overvalued or undervalued?
PBHC trades at -25.7x P/E, below its 5-year average of 14.9x. At the N/A percentile of historical range, the stock is priced at a discount to its own history.
How does PBHC's valuation compare to peers?
Pathfinder Bancorp, Inc. P/E of -25.7x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is PBHC's PEG ratio?
PBHC PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1998-2025.