Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $85.09 million. The enterprise value is $158.27 million.
Important Dates
The next estimated earnings date is Thursday, April 30, 2026, after market close.
| Earnings Date | Apr 30, 2026 |
| Ex-Dividend Date | Apr 17, 2026 |
Share Statistics
PBHC has 6.26 million shares outstanding. The number of shares has increased by 1.92% in one year.
| Current Share Class | 4.88M |
| Shares Outstanding | 6.26M |
| Shares Change (YoY) | +1.92% |
| Shares Change (QoQ) | -0.69% |
| Owned by Insiders (%) | 14.78% |
| Owned by Institutions (%) | 22.90% |
| Float | 3.54M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | n/a |
| PS Ratio | 2.79 |
| Forward PS | n/a |
| PB Ratio | 0.68 |
| P/TBV Ratio | 0.76 |
| P/FCF Ratio | 8.16 |
| P/OCF Ratio | 7.28 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 5.19 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.19 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.17 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -1.58%.
| Return on Equity (ROE) | -1.58% |
| Return on Assets (ROA) | -0.13% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.17% |
| Revenue Per Employee | $167,516 |
| Profits Per Employee | -$10,412 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -2.16M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -12.15% in the last 52 weeks. The beta is 0.11, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.11 |
| 52-Week Price Change | -12.15% |
| 50-Day Moving Average | 13.47 |
| 200-Day Moving Average | 14.52 |
| Relative Strength Index (RSI) | 48.74 |
| Average Volume (20 Days) | 2,978 |
Short Selling Information
The latest short interest is 6,793, so 0.11% of the outstanding shares have been sold short.
| Short Interest | 6,793 |
| Short Previous Month | 6,120 |
| Short % of Shares Out | 0.11% |
| Short % of Float | 0.19% |
| Short Ratio (days to cover) | 3.53 |
Income Statement
In the last 12 months, PBHC had revenue of $30.49 million and -$1.90 million in losses. Loss per share was -$0.31.
| Revenue | 30.49M |
| Gross Profit | 30.49M |
| Operating Income | -3.38M |
| Pretax Income | -4.09M |
| Net Income | -1.90M |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$0.31 |
Full Income StatementBalance Sheet
The company has $32.68 million in cash and $105.92 million in debt, giving a net cash position of -$73.25 million or -$11.71 per share.
| Cash & Cash Equivalents | 32.68M |
| Total Debt | 105.92M |
| Net Cash | -73.25M |
| Net Cash Per Share | -$11.71 |
| Equity (Book Value) | 122.45M |
| Book Value Per Share | 19.80 |
| Working Capital | -1.19B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $11.68 million and capital expenditures -$1.26 million, giving a free cash flow of $10.42 million.
| Operating Cash Flow | 11.68M |
| Capital Expenditures | -1.26M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -29.99M |
| Free Cash Flow | 10.42M |
| FCF Per Share | $1.66 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | -11.10% |
| Pretax Margin | -13.42% |
| Profit Margin | -6.34% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 34.17% |