Pathfinder Bancorp Statistics
Total Valuation
PBHC has a market cap or net worth of $102.61 million. The enterprise value is $136.16 million.
Important Dates
The next estimated earnings date is Wednesday, July 29, 2026, after market close.
| Earnings Date | Jul 29, 2026 |
| Ex-Dividend Date | Apr 17, 2026 |
Share Statistics
PBHC has 6.26 million shares outstanding. The number of shares has increased by 0.91% in one year.
| Current Share Class | 4.88M |
| Shares Outstanding | 6.26M |
| Shares Change (YoY) | +0.91% |
| Shares Change (QoQ) | +1.39% |
| Owned by Insiders (%) | 14.42% |
| Owned by Institutions (%) | 23.20% |
| Float | 3.56M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | n/a |
| PS Ratio | 3.42 |
| Forward PS | n/a |
| PB Ratio | 0.83 |
| P/TBV Ratio | 0.91 |
| P/FCF Ratio | 21.08 |
| P/OCF Ratio | 17.88 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 4.54 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 27.97 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 15.43 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -2.01%.
| Return on Equity (ROE) | -2.01% |
| Return on Assets (ROA) | -0.17% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.96% |
| Revenue Per Employee | $164,681 |
| Profits Per Employee | -$13,429 |
| Employee Count | 182 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -2.37M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +12.33% in the last 52 weeks. The beta is 0.16, so PBHC's price volatility has been lower than the market average.
| Beta (5Y) | 0.16 |
| 52-Week Price Change | +12.33% |
| 50-Day Moving Average | 14.21 |
| 200-Day Moving Average | 14.39 |
| Relative Strength Index (RSI) | 67.27 |
| Average Volume (20 Days) | 14,595 |
Short Selling Information
The latest short interest is 8,936, so 0.14% of the outstanding shares have been sold short.
| Short Interest | 8,936 |
| Short Previous Month | 7,321 |
| Short % of Shares Out | 0.14% |
| Short % of Float | 0.25% |
| Short Ratio (days to cover) | 1.02 |
Income Statement
In the last 12 months, PBHC had revenue of $29.97 million and -$2.44 million in losses. Loss per share was -$0.40.
| Revenue | 29.97M |
| Gross Profit | 29.97M |
| Operating Income | -4.20M |
| Pretax Income | -4.87M |
| Net Income | -2.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$0.40 |
Full Income StatementBalance Sheet
The company has $41.55 million in cash and $75.11 million in debt, giving a net cash position of -$33.56 million or -$5.36 per share.
| Cash & Cash Equivalents | 41.55M |
| Total Debt | 75.11M |
| Net Cash | -33.56M |
| Net Cash Per Share | -$5.36 |
| Equity (Book Value) | 123.58M |
| Book Value Per Share | 19.75 |
| Working Capital | -1.17B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $5.74 million and capital expenditures -$871,000, giving a free cash flow of $4.87 million.
| Operating Cash Flow | 5.74M |
| Capital Expenditures | -871,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -17.25M |
| Free Cash Flow | 4.87M |
| FCF Per Share | $0.78 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | -14.00% |
| Pretax Margin | -16.24% |
| Profit Margin | -8.32% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 16.24% |